First Loan Apps: Best Promos for New Borrowers
Two apps advertise conditional 0% offers: MoneyCat (as low as 0% interest, fees to confirm, ₱500–₱20,000) and Finbro (0% APR available for new clients based on credit assessment). Both are verified on the January 26, 2026 platforms list. A fee-free MoneyCat first loan was not reconfirmed for this edition; neither headline guarantees zero total cost. Our MoneyCat review documents the promo terms and the 11.9% monthly repeat ceiling. Finbro's review covers the 0-36% APR band.
| App | First-loan offer | Repeat ceiling |
|---|---|---|
| MoneyCat | As low as 0% interest; fees to confirm | ≈11.9%/month |
| Finbro | 0% APR (assessment-based) | 36% APR |
Read the disclosure before accepting. Screenshot the zero: if your offer shows interest where you expected none, walk away. The requirements guide covers the age and ID gates.
Frequently asked questions
Is the MoneyCat first loan really free?
A guaranteed fee-free first loan was not reconfirmed. The homepage retrieved October 26, 2026 says as low as 0% interest and 3–6 months. Check your current offer for interest, mandatory fees, and deductions.
What happens on my second MoneyCat loan?
The promo ends. Repeat borrowing runs up to 11.9% per month. Plan for it before you borrow the first time.
How to choose between them
MoneyCat if you need up to ₱20,000 and your offer confirms an acceptable total cost; do not assume the loan is free. Finbro if you need up to ₱50,000 and your credit assessment qualifies you for the 0% band. Both are financing companies on the January 26, 2026 platforms list. Read the requirements guide for the age and ID gates, then apply through the official channel only. The red flags guide lists the warning signs to watch for.
The timing matters too. Promotional eligibility and availability may change. Interest or fees in your offer mean it is not a zero-cost loan. Check the disclosure screen before you sign anything: it should show ₱0 interest and no processing fee if the promo is active on your account.
Sources used for this review
-
moneycat.ph and finbro.ph disclosures (accessed August 28, 2026)
-
The requirements guide for age and ID gates across all apps
- The hidden fees checklist for where fees hide
What to do after the free loan ends
A promotional rate is temporary and conditional. Before you borrow the first time, check the repeat ceiling: MoneyCat charges up to 11.9% monthly, Finbro caps at 36% APR. Both are disclosed. Compare them against the low-interest ranking so you know your options before the free period expires. If the current or future total cost is too high, compare alternatives before borrowing.