MocaMoca has surpassed 20 million active users and is now among the 10 most-downloaded digital lending applications on Google Play in the Philippines.
The figures point to sustained demand for accessible and regulated digital credit in a market where many consumers continue to experience difficulty obtaining loans from formal providers.
MocaMoca is operated by SEC-registered Copperstone Lending Inc. and has delivered secure and transparent digital lending solutions for more than five years.
The World Bank’s 2025 Global Findex Report found that only about half of Filipino adults have a formal financial account, below the East Asia and Pacific regional average.
Although access remains limited, the use of formal credit providers is increasing. According to the Bangko Sentral ng Pilipinas’ 2025 Consumer Finance and Inclusion Survey, 16% of adult borrowers now choose formal financial institutions over informal sources.
Filipinos also demonstrate considerable interest in applying for credit. TransUnion’s Q2 2026 Consumer Pulse Study showed that nearly half of the population intends to apply. However, 60% abandon the process because of costs, 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 offers loans of up to ₱50,000 without requiring collateral. Its digital application process requires borrowers to submit only one valid government ID.
Automated approvals are available 24/7, enabling qualified users to receive secure fund disbursements in as fast as five minutes. Loan proceeds and repayments can be processed through the platform’s direct integrations with GCash, Maya, Coins.ph and GrabPay.
The platform combines immediate credit access with a structured credit growth path. Borrowers can receive scalable credit limits, transparent lending terms and repayment schedules aligned with their paydays.
More than 60% of MocaMoca’s borrowers are women. This underlines the platform’s importance among women managing household expenses and micro-enterprise finances, particularly those who have traditionally been underserved by formal lending institutions.
“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.