Updated October 17, 2026 · BorrowCue Editorial Team
Credityes vs Finbro
Where Credityes and Finbro differ
| Compare |  Credityes | Finbro ReviewVisitVisit |
|---|---|---|
| Loan amount | ₱1,000 to ₱25,000 | ₱1,000 to ₱50,000Higher |
| Term | 2 to 36 monthsHigher | 12 months |
| Funding time | A few minutes after confirmation | Same day after approval |
| Lender type | Broker | Direct lender |
| Eligibility | Resident of the Philippines, aged 18 to 75, with a personal bank account, phone number, email address and valid ID document | Age 20 to 70 |
| APR | 0% to 48% | Not confirmed |
| Arrangement fee | 0 PHP | Not confirmed |
| Representative example | 1,000 PHP for 3 months at 48% per year, commission 0 PHP, total repayable 1,120 PHP, APR 48% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Loan types (Personal).
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
- Finbro scores higher overall: 9.0 vs 8.9.
- Loan amount is higher at Finbro: ₱1,000 to ₱50,000 vs ₱1,000 to ₱25,000.
- Term is higher at Credityes: 2 to 36 months vs 12 months.
- Support channels: only Credityes offers Email, Help centre.
- Support channels: only Finbro offers Chat.
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.
Finbro
Finbro advises borrowers to study the Disclosure Statement before proceeding with a loan application.
Score breakdown
| Area | Credityes | Finbro |
|---|---|---|
| Cost | 9.9 | Not confirmed |
| Offer | 8.3APR 0% to 48% with an origination fee of 0 PHP and funding in A few minutes after confirmation. | 8.5Higher |
| Trust | 8.3 | 9.3Higher |
Ranges side by side
| Fact | Credityes | Finbro |
|---|---|---|
| Loan amount | ₱1,000 to ₱25,000 | ₱1,000 to ₱50,000 |
Which one suits you
Pick Credityes if term matter most.
Pick Finbro if loan amount matter most.
How they place
| Ranking | Credityes | Finbro |
|---|---|---|
| Personal loans | 8 of 1920 | 109 of 1920 |
A third option
Sofkredit has term at 6 to 240 months, against 2 to 36 months for Credityes and 12 months for Finbro.
Sofkredit reviewEvery fact side by side
| Fact | Credityes | Finbro |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | SIA DOAFF (reg. No. 40203426084) | Sofi Financing Inc. |
| Headquarters | Latvia | Philippines |
| Support channels | Email, Help centre | Chat |
Where each stands against the rest
| Fact | Credityes | Finbro | Median |
|---|---|---|---|
| APR | 0% to 48%lowest quarter | Not confirmed | 8.95 |
| Loan amount | ₱1,000 to ₱25,000below the median | ₱1,000 to ₱50,000above the median | ₱45,000 |
| Term | 2 to 36 monthsbelow the median | 12 monthslowest quarter | 60 |
Median across 1164 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
Finbro
Pros
- Finbro advises borrowers to study the Disclosure Statement before proceeding with a loan application.
- The advisory does not establish a maximum, fee or approval outcome.
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%
Finbro
Who it suits
- Philippines applicants reviewing Finbro loan disclosures
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
Country by country
| Country | Credityes | Finbro |
|---|---|---|
| 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.
Finbro
What kind of loan does Finbro offer?+
Finbro offers personal loans, which applicants request by choosing the amount they want from the range shown and filling in an application form. Once approved, the money is paid into the applicant's bank account. The company runs the service online, so the whole route from request to payment happens through the Finbro name.
Is Finbro a direct lender?+
Finbro is a direct lender, meaning the company provides its own loans rather than passing requests to other providers. Its terms and conditions set out how each loan works, and the company describes itself as an online financial solution. Applicants should read those terms in full before deciding.
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