Credityes review

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

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Our verdict

Credityes suits borrowers in the Philippines who want a small personal loan for home improvement and need the money quickly. Its origination fee is 0 PHP, but the APR runs to 0% to 48%, so the total cost is the trade-off to weigh.

Key facts

Best for
A small home improvement loan in the Philippines that lands in A few minutes after confirmation.
APR
0% to 48% (Source, checked September 26, 2026)
Loan amount
₱1,000 to ₱25,000 (Source, checked September 26, 2026)
Term
2 to 36 months (Source, checked September 26, 2026)
Arrangement fee
0 PHP (Source, checked September 26, 2026)
Funding time
A few minutes after confirmation (Source, checked September 26, 2026)
Representative example
1,000 PHP for 3 months at 48% per year, commission 0 PHP, total repayable 1,120 PHP, APR 48% (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Resident of the Philippines, aged 18 to 75, with a personal bank account, phone number, email address and valid ID document (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
SIA DOAFF (reg. No. 40203426084) (Source, checked September 26, 2026)
Headquarters
Latvia (Source, checked September 26, 2026)
Support channels
Email, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
credityes.es

Pros and cons

Pros

  • The origination fee is 0 PHP, so there is no separate arrangement charge on top of the interest
  • Loan amounts run PHP 1,000 to PHP 25,000, which suits a planned repair rather than a large renovation
  • Terms of 2 to 36 let a borrower spread a home improvement bill rather than repay it at once
  • Funding arrives A few minutes after confirmation, so a contractor's invoice does not have to wait on a bank transfer
  • Home improvement is a stated use case, alongside personal lending, so the money is aimed at a job rather than a general purpose

Cons

  • The APR reaches 0% to 48%, well above the site median of 12% for personal loans
  • Debt consolidation and credit lines are not among its loan types, which are personal
  • A phone line is not among its support channels, which run email and help centre
  • Terms top out at 2 to 36, so a larger home improvement bill has to be split into several loans
Credityes

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Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Borrowers in the Philippines funding a home improvement job worth up to PHP 1,000 to PHP 25,000
  • Adults with a personal bank account, a phone number, an email address and valid ID who need cash in A few minutes after confirmation
  • People who want a personal loan with an origination fee of 0 PHP rather than an arrangement fee

Who should look elsewhere

  • Anyone wanting a long fixed repayment period, since terms stop at 2 to 36 while the site median is 36 months
  • Borrowers who need a phone line, because a phone line is not among its support channels, email and help centre
  • Readers looking for a low rate, since 0% to 48% sits far above the personal loan median of 12.25%

Rates and costs

The APR on a Credityes personal loan runs 0% to 48%, so the rate you pay depends on the offer you are given rather than a single published figure. The origination fee is 0 PHP, which means the interest is the whole cost of the loan on the representative example. Home improvement is the stated use case, and the representative example shows a small loan over a short term, repaid well above the amount borrowed. Cashspace lists an APR of PHP 12 to PHP 36 and Monzo Flex an APR of 10% to 23%, both of which sit lower than the top of Credityes' range. The size of the loan is set by PHP 1,000 to PHP 25,000, and the repayment period by 2 to 36. Read the rate against the term carefully, because a short term on a smaller balance is what keeps the total repayable figure in the representative example modest.

Safety and regulation

Credityes is a broker, so the money is placed with a lender rather than lent from its own balance sheet. That structure is the main safety point to understand: the contract you sign is with the lender, and Credityes is the intermediary that finds it. The representative example is the clearest guide to the cost of a real loan, and it shows the interest charged over a short term on a small balance. The APR range of 0% to 48% is wide, and the top of that range is high for an unsecured personal loan, so a borrower should expect the cheaper end to be reserved for the strongest files. There is no deposit to lose, because the arrangement is an unsecured personal loan, and the money is paid out to a personal bank account rather than held in an account with the broker. Eligibility is limited to residents of the Philippines who hold a personal bank account, a phone number, an email address and a valid ID document.

Who runs it

Credityes is operated by SIA DOAFF, registered in Latvia, and its terms are published under that entity. The registered number is part of the legal entity name in the terms and conditions, which is worth keeping if a borrower ever needs to identify the counterparty on a contract. Because the company is a broker rather than a direct lender, the registered entity is the intermediary, not the party that ultimately holds your repayments. Support is available through email and help centre, so a borrower without a phone line can still reach the team by email or work through the help centre. Both routes matter more than usual on a broker, because a query can often concern a lender's decision rather than Credityes' own.

How Credityes compares

Where Credityes is available

Available
Philippines

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

Frequently asked questions

What does a Credityes personal loan cost in total?+

Interest is the whole of the cost on the representative example, since the origination fee is 0 PHP. The APR runs 0% to 48% on a loan of PHP 1,000 to PHP 25,000 repaid over 2 to 36, so the total repayable figure depends on the term you pick and the rate you are offered.

Is Credityes a lender or a broker?+

Credityes is a broker, not a direct lender, so it introduces you to a lender that then holds the loan contract. The contract you sign is with that lender, which is worth checking before you accept an offer, and the APR of 0% to 48% is what the lender charges.

How long does it take to get the money?+

Funding arrives A few minutes after confirmation, and the site lists same day funding as a feature of the service. The money is paid to a personal bank account, so the application is fastest for someone who already has one open and in their own name.

How much can I borrow and for how long?+

Loan amounts run PHP 1,000 to PHP 25,000 and terms run 2 to 36. Home improvement is the stated use case, so the figures are set against a planned job rather than an open balance, and a bill larger than the top of the range has to be split into separate loans.

Who can apply for a loan?+

Eligibility is limited to residents of the Philippines with a personal bank account, a phone number, an email address and a valid ID document. Applicants must also be adults, so anyone below the minimum age cannot be assessed, and there is no stated exception to those requirements.

How do I contact Credityes if something goes wrong?+

Support runs on email and help centre, which means email and a help centre rather than a phone line. As a broker, many queries concern a lender's decision rather than Credityes itself, so keep your application reference to hand when you write, and the help centre is the first place to check what a lender has asked for.

Which company am I contracting with?+

The operating entity is SIA DOAFF, registered in Latvia, and the registered number appears in its published terms and conditions. As a broker, that entity is the intermediary arranging the loan rather than the lender that ends up holding your repayments.

How does Credityes compare with other lenders on price?+

The APR of 0% to 48% has a high top end for an unsecured personal loan, well above the site median of 12%. For comparison, Cashspace lists PHP 12 to PHP 36 and Monzo Flex lists 10% to 23%, so quoting more than one broker or lender is worthwhile before you accept a rate.

Sources

  • credityes.ph checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Features, Funding time, Loan types, Arrangement fee, Representative example, Term, Use cases

    “The minimum loan amount is 1,000 PHP, and the maximum amount is 25,000 PHP.”

  • credityes.ph/terms-and-conditions checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Support channels

    “Mednieku iela 4A, Riga, Latvia, LV-1010”

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Credityes

Credityes

A small home improvement loan in the Philippines that lands in A few minutes after confirmation.

8.9/10Visit

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