Updated September 29, 2026 · BorrowCue Editorial Team
Credityes vs Crezu
Where Credityes and Crezu differ
| Compare |  Credityes |  Crezu |
|---|---|---|
| APR | 0% to 48%Lower | 12% to 36% |
| Loan amount | ₱1,000 to ₱25,000 | ₱500 to ₱25,000 |
| Term | 2 to 36 monthsHigher | 3 to 4 months |
| Arrangement fee | 0 PHP | 0 PHP - no service fee |
| Funding time | A few minutes after confirmation | Decision in 2 min, money in 15 min |
| Representative example | 1,000 PHP for 3 months at 48% per year, commission 0 PHP, total repayable 1,120 PHP, APR 48% | Personal loan of PHP 10,000 repaid in 3 months: total payment PHP 15,000 |
| Eligibility | Resident of the Philippines, aged 18 to 75, with a personal bank account, phone number, email address and valid ID document | Over 18 years old, resident of the Philippines, valid ID card, phone number and bank account |
| Loan types | Personal | Personal, Debt consolidationCovers more |
| Credit check | Not confirmed | Hard |
Same on both: Lender type (Broker), Use cases (Home improvement).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Credityes scores higher overall: 8.9 vs 8.5.
- APR is lower at Credityes: 0% to 48% vs 12% to 36%.
- Term is higher at Credityes: 2 to 36 months vs 3 to 4 months.
- Support channels: only Credityes offers Help centre.
- Loan types: only Crezu offers Debt consolidation.
Our verdict on each
Credityes
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.
Crezu
Crezu suits borrowers in the Philippines who need a small short-term loan and want no arrangement fee from the broker, with 12% to 36% across PHP 500 to PHP 25,000. The catch is the representative example, where the same loan costs far more than it borrows, and support runs on email only.
Score breakdown
| Area | Credityes | Crezu |
|---|---|---|
| Cost | 9.9Higher | 8.8 |
| Offer | 8.3HigherAPR 0% to 48% with an origination fee of 0 PHP and funding in A few minutes after confirmation. | 8.2APR 12% to 36% and origination fee 0 PHP - no service fee shape the offer. |
| Trust | 8.3 | 8.3 |
Pick Credityes if, pick Crezu if
Pick Credityes if cost, apr, and term matter most.
Pick Crezu if loan types matter most.
How they place
| Ranking | Credityes | Crezu |
|---|---|---|
| Personal loans | 8 of 1920 | 48 of 1920 |
| Home improvement loans | 5 of 562 | 21 of 562 |
Every fact side by side
| Fact | Credityes | Crezu |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | SIA DOAFF (reg. No. 40203426084) | Fininity OÜ (Fininity Ltd), company no. 14523902 |
| Headquarters | Latvia | Estonia |
| Support channels | Email, Help centreCovers more |
Where each stands against the rest
| Fact | Credityes | Crezu | Median |
|---|---|---|---|
| APR | 0% to 48%lowest quarter | 12% to 36%above the median | 8.99 |
| Loan amount | ₱1,000 to ₱25,000below the median | ₱500 to ₱25,000below the median | ₱45,000 |
| Term | 2 to 36 monthsbelow the median | 3 to 4 monthslowest quarter | 60 |
Median across 1152 listed lenders.
Pros and cons
Credityes
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
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
Crezu
Pros
- Origination fee 0 PHP - no service fee on both personal loans and debt consolidation, so nothing is taken for arranging the loan
- Funding speed Decision in 2 min, money in 15 min and same day funding make it workable when a bill has a short deadline
- 12% to 36% sits under the site median of 12%, which suits a careful borrower comparing total cost
Cons
- The representative example is the weak point: a small personal loan repaid inside 3 to 4 totals far more than the amount borrowed, so the headline 12% to 36% understates what is repaid
- Support runs on email only, so a question about a missed repayment waits on email rather than live help
- As a broker the contract sits with a partner lender, so the lender's own terms decide the cost
Who each suits
Credityes
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%
Crezu
Who it suits
- Borrowers in the Philippines who need a small sum quickly and already meet the eligibility rules: adults with a valid ID card, a phone number and a bank account
- Anyone tidying existing debt who wants a single debt consolidation loan rather than several small balances
- Cost conscious borrowers who read the representative example before applying and set aside the full repayment figure
Who should look elsewhere
- Borrowers who need a long repayment period, since terms run 3 to 4 and there is no room to stretch the balance
- Anyone who wants to speak to a person on the phone, because support runs on email only
- Readers who want a large sum for a big project, since Crezu ranks 669 of 685 brands on loan amount
Current offers
Credityes
Current offer
First period offer
First loan with APR starting from 0%: APR starting from 0% on the first loan
Offer depends on the partner lending institution selected; final cost set by the entity that enters the contract
Source, checked September 26, 2026
Crezu
Current offer
Bonus
1st Credit with 0%: 0% interest on the first loan
First loan can be free of charge for new clients; otherwise lending rates from lenders run 12% to a maximum APR of 36%
Source, checked September 26, 2026
Country by country
| Country | Credityes | Crezu |
|---|---|---|
| Philippines | Yes | Yes |
Questions about each
Credityes
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.
Crezu
What does Crezu cost to borrow?+
Interest runs at 12% to 36% on both personal loans and debt consolidation loans, above the 12% typical for personal loans here. Origination fee 0 PHP - no service fee means the broker takes nothing for arranging it. The representative example shows a small personal loan repaid inside 3 to 4 at a total far higher than the sum borrowed, so the total repayment is the figure to plan around.
Is Crezu regulated or covered by a deposit protection scheme?+
Crezu is a broker, and the loans themselves come from partner lenders rather than from Crezu. No regulator and no deposit protection scheme is set out for the offer. What matters is the contract you sign with the partner lender, so read that document for the lender's own regulatory status before you borrow.
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