Is Mocasa legit?

Advisory timeline

SEC advisories in our records that mention this app or the company behind it, oldest first.

No published experiences for this app yet. Be the first — submissions are moderated.

Experiences are submitted by the public and are opinions, not verified facts. They are not an SEC finding and do not change an app’s registration status.

General information for Philippine borrowers. This is not legal advice.

They cannot contact your phonebook

Accessing your contacts and messaging your family, employer or friends about your debt is unlawful harassment. Legitimate lenders do not need your contact list.

They cannot threaten, shame or use profanity

Threats of arrest, fake legal notices, obscene language, or posting your photo online are prohibited debt collection practices under SEC rules.

Unpaid debt is not a crime

Failing to pay a loan is a civil matter, not a criminal one. Nobody can be jailed for an unpaid loan by itself.

All charges must be disclosed up front

Interest, processing fees, penalties and the total amount payable must be disclosed before you accept the loan.

You can report abuse to the SEC

Complaints about harassment or unauthorised lending go to the SEC's Corporate Governance and Finance Department. Keep screenshots, call logs and the app name.

Other apps by Philippine Cashtrout Lending Corporation

One company often runs several apps under different names.

• Cashoyo
• Pesomio

Frequently asked about Mocasa

Is Mocasa legit? (Legit ba ang Mocasa?)

Yes — Mocasa is operated by Philippine Cashtrout Lending Corporation (SEC Reg. No. CS201910407), a lending company registered with the Securities and Exchange Commission of the Philippines. Last cross-checked against SEC records on August 2, 2026.

Who operates Mocasa?

Mocasa is operated by Philippine Cashtrout Lending Corporation, SEC Registration No. CS201910407. In the Philippines a lending app is not a company in itself — it is a product of a registered lending or financing company, and that company is who you are actually borrowing from.

Is Mocasa SEC registered?

Philippine Cashtrout Lending Corporation appears in SEC records as a registered lending company. It holds a Certificate of Authority to operate as a lending company, and the Mocasa platform is recorded on the SEC's list of online lending platforms. Registration is not an endorsement — it only means the company is accountable to the SEC.

Is Mocasa a scam?

We have no SEC advisory in our records naming Mocasa. That is not the same as a guarantee: our list is maintained by hand, is not exhaustive, and statuses change. Always cross-check on the SEC website before you borrow.

What should I do if Mocasa harasses me or contacts my phonebook?

Contacting your phone contacts, shaming you publicly, or threatening you is prohibited debt-collection conduct regardless of whether the lender is registered. Revoke the app's contacts and storage permissions in your phone settings, keep screenshots, and report it to the SEC Enforcement and Investor Protection Department. You can also file a report with us so other borrowers see the pattern.

LegitLend PH is an independent information resource. We are not a lender, we are not affiliated with the SEC, and we do not process loan applications. How to check a lender yourself