Creditnice review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Creditnice suits Philippine borrowers with poor credit who need a small loan released quickly and can handle a hard credit check. Interest runs at 1% to 2% on loans of PHP 2,000 to PHP 20,000 repayable over 1 to 12, with same day funding and an origination fee of 0.

Key facts

Best for
Fast, small, fixed-rate loans for borrowers with poor credit in the Philippines.
APR
1% to 2% (Source, checked September 26, 2026)
Loan amount
₱2,000 to ₱20,000 (Source, checked September 26, 2026)
Term
1 to 12 months (Source, checked September 26, 2026)
Arrangement fee
0 (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Within 15 minutes (Source, checked September 26, 2026)
Representative example
30,000 Php at 4.5% per month for 3 months, repay 34,050 Php (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Ages 18 and over; applicants in the Philippines (Source, checked September 26, 2026)
Loan types
Credit-line, Debt-consolidation, Payday, Personal (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
ANG INTERNET FINANCE GROUP LLC (Source, checked September 26, 2026)
Headquarters
Ukraine (Source, checked September 26, 2026)
Support channels
Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
creditnice.ph

Pros and cons

Pros

  • Rates sit at 1% to 2% on fixed terms (fixed), so the monthly cost does not move.
  • Money can arrive Within 15 minutes, and same day funding is a listed feature.
  • Loans cover credit line, debt consolidation and payday, so a personal loan and a debt consolidation loan sit under one broker.
  • Poor credit is the stated market (poor), so the hard check is the norm rather than a surprise.

Cons

  • A hard credit check (hard) runs on every application, so the outcome rests on your full credit file.
  • Support runs on email and help centre only, with no phone line listed.
  • Creditnice is a broker (broker), so the lender you end up repaying is chosen for you.
Creditnice

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Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Adults in the Philippines with poor credit who need a small amount fast, since same day funding and Within 15 minutes suit urgent bills.
  • Borrowers who want one clear cost: a fixed rate (fixed) with an origination fee of 0.
  • Anyone able to clear the balance inside 1 to 12 and to accept a hard credit check (hard).

Who should look elsewhere

  • Monzo Flex, listed at an APR of 10% to 23%, serves a different market and a longer repayment profile than 1 to 12.
  • Cashspace, at an APR of PHP 12 to PHP 36, is the alternative to weigh if you want a second quote on Philippine lending.
  • Cashspace ES, at an APR of 0%, suits anyone who wants a free offer rather than a short term.

How your money is protected

Creditnice acts as a broker (broker), so the money comes from a lender selected behind the application rather than from the brand you apply to. The clearest picture of cost comes from the representative example: 30,000 Php at 4.5% per month for 3 months, repay 34,050 Php. Read it as the pattern for any offer quoted, since a rate added monthly to a balance you clear over a short term decides what you hand back.

How Creditnice compares

Where Creditnice is available

Available
Philippines

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can I borrow from Creditnice?+

Loans run from PHP 2,000 to PHP 20,000 in Philippine pesos, which keeps the balance small for a short-term need. You can spread repayments over 1 to 12, so pick the shortest term you can comfortably clear, since interest keeps building on the amount you owe for as long as the loan runs.

What rate will I pay?+

Creditnice quotes a rate of 1% to 2% and lends on a fixed basis, so the rate holds for the life of the loan rather than resetting each period. The representative example, 30,000 Php at 4.5% per month for 3 months, repay 34,050 Php, shows how a monthly rate builds the amount you repay.

Is there an arrangement fee?+

The fee charged on origination, on every loan and credit line it arranges, is 0. Because lending runs on a fixed rate (fixed), interest on the balance is the main cost. A broker (broker) may pass through fees from the lender it introduces, so read the offer before you accept.

How fast do I get the money?+

Speed is the strongest part of this offer. Creditnice lists same day funding and states that money can arrive Within 15 minutes, which is worth weighing above the headline rate. Have your details ready, since the credit check still has to pass before a lender releases anything.

What credit check do you run?+

Creditnice runs a hard credit check (hard) on every application, which fits the profile it targets: poor credit is the stated market, so lenders here expect applicants with that history. A hard check places an enquiry on your file, so apply when you are ready for a full assessment.

Who am I actually dealing with?+

Creditnice is a broker rather than the lender, and the legal entity behind the service is ANG INTERNET FINANCE GROUP LLC, with its headquarters recorded as UA. broker means your application passes to a lender who then holds the loan relationship and the account you repay.

Who can apply?+

Creditnice is open to adults in the Philippines. The stated eligibility is a minimum age plus residency in the Philippines, so an applicant living outside the country is turned away at the first step, and anyone below the minimum age is outside the criteria too.

What kinds of loan can I get?+

Creditnice covers credit line, debt consolidation and payday, so you can ask for a personal loan, a payday loan, a credit line or a debt consolidation loan. The choice goes to the lender, and the rate and limits on the offer follow from what they approve, within the PHP 2,000 to PHP 20,000 range.

How do I get help?+

Support runs on email and help centre only, giving you email and a help centre rather than a phone line. That works for straightforward questions about rates and repayments, though an urgent payment date question is easier to settle in writing, where you keep a record of the answer.

Sources

  • creditnice.ph/en checked September 26, 2026

    Backs: Features, Loan types, Pricing model, Arrangement fee, Rate type, Representative example

    “Get money on the day of application”

  • creditnice.ph/en/aboutus checked September 26, 2026

    Backs: Eligibility

    “The service is intended for persons over 18 years old”

  • creditnice.ph/en/contacts checked September 26, 2026

    Backs: Support channels

    “E-mail addresses: ifycredit@gmail.com”

  • creditnice.ph/en/faq checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Funding time, Term

    “At the first application, up to 2,000-4,000 Php is issued, but up to 10,000-20,000 Php is available to regular borrowers.”

  • creditnice.ph/en/tc checked September 26, 2026

    Backs: Credit check, Headquarters, Legal entity, Lender type

    “Credit checks and credit reference agencies help avoid fraudulent applications, so we ask you to consent to the use of your information”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Creditnice

Creditnice

Fast, small, fixed-rate loans for borrowers with poor credit in the Philippines.

8.8/10See alternatives

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