More than 20 million active users across the Philippines have joined digital lending platform MocaMoca as demand continues to rise for credit services that are regulated, accessible and transparent.
MocaMoca, which is operated by SEC-registered Copperstone Lending Inc., has been serving Filipino borrowers for more than five years.
The platform enables users to apply for collateral-free loans of up to ₱50,000 through a streamlined online process. Applicants need to submit only one valid government ID, while automated approvals are available 24 hours a day.
For qualified borrowers, funds can be securely disbursed in as fast as five minutes. Users can receive their loans and complete repayments through direct integrations with GCash, Maya, Coins.ph and GrabPay.
These features respond to challenges identified in TransUnion’s Q2 2026 Consumer Pulse Study. While nearly half of Filipinos intend to apply for credit, 60% abandon their applications because of cost, eligibility requirements or other barriers.
“Many Filipinos still face barriers when accessing formal credit. Our goal is to remove those barriers through a lending experience that is simple, transparent, and built around the needs of borrowers, while maintaining the highest standards of responsibility and consumer protection,” said David Balamon, Chief Executive Officer of Copperstone Lending Inc.
MocaMoca also uses a structured credit growth path to support borrowers beyond their initial loan. Scalable credit limits, transparent terms and repayment cycles aligned with borrowers’ paydays are designed to encourage responsible financial habits.
The platform’s 20-million-user milestone reflects a growing preference for regulated digital lending, although broader financial inclusion gaps persist.
The Bangko Sentral ng Pilipinas’ 2025 Consumer Finance and Inclusion Survey found that 16% of adult borrowers now choose formal financial institutions. The World Bank’s 2025 Global Findex Report, however, showed that only about half of Filipino adults have a formal financial account, leaving the Philippines below the East Asia and Pacific regional average.
Women comprise more than 60% of MocaMoca’s borrower base. This demonstrates the platform’s reach among women responsible for household and micro-enterprise finances, particularly those who have traditionally had limited access to formal lending channels.
MocaMoca is also among the 10 most-downloaded digital lending applications on Google Play in the Philippines, reflecting sustained interest in its services.
“As digital finance continues to evolve, our focus remains on helping more Filipinos access formal credit responsibly. We’ll continue investing in responsible innovation that makes borrowing more accessible, transparent, and secure, while supporting the country’s broader financial inclusion goals,” Balamon added.