Updated October 17, 2026 · BorrowCue Editorial Team
Credityes vs myKredit
Credityes vs myKredit: the differences
| Compare |  Credityes |  myKredit |
|---|---|---|
| Loan amount | ₱1,000 to ₱25,000 | €600 |
| Term | 2 to 36 monthsHigher | 30 months |
| Funding time | A few minutes after confirmation | funds transferred within 10 minutes of approval |
| Eligibility | Resident of the Philippines, aged 18 to 75, with a personal bank account, phone number, email address and valid ID document | Adults with a valid DNI or NIE |
| Loan types | Personal | Payday |
| APR | 0% to 48% | Not confirmed |
| Arrangement fee | 0 PHP | Not confirmed |
| Credit check | Not confirmed | None |
| Representative example | 1,000 PHP for 3 months at 48% per year, commission 0 PHP, total repayable 1,120 PHP, APR 48% | Not confirmed |
| Lender type | Broker | Not confirmed |
| Use cases | Home improvement | Not confirmed |
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 8.1.
- Term is higher at Credityes: 2 to 36 months vs 30 months.
- Support channels: only Credityes offers Email, Help centre.
- Support channels: only myKredit offers Chat.
- Loan types: only Credityes offers Personal.
- Loan types: only myKredit offers Payday.
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.
myKredit
myKredit in Spain describes online lending and online applications. Spanish residence is one stated application criterion, not a complete list of conditions.
Score breakdown
| Area | Credityes | myKredit |
|---|---|---|
| Cost | 9.9 | Not confirmed |
| Offer | 8.3HigherAPR 0% to 48% with an origination fee of 0 PHP and funding in A few minutes after confirmation. | 8.1 |
| Trust | 8.3 | Not confirmed |
Availability and regulation
Additional countries for Credityes: 1. Additional countries for myKredit: 1.
Positions in our rankings
| Ranking | Credityes | myKredit |
|---|---|---|
| Personal loans | 8 of 1920 | 2 of 1920 |
Also worth a look
Sofkredit has term at 6 to 240 months, against 2 to 36 months for Credityes and 30 months for myKredit.
Sofkredit reviewWhere these facts come from
Credityes
- credityes.ph: 14 facts, checked September 26, 2026
myKredit
- mykredit.es: 8 facts, checked October 17, 2026
Every fact side by side
| Fact | Credityes | myKredit |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | SIA DOAFF (reg. No. 40203426084) | Not confirmed |
| Headquarters | Latvia | Not confirmed |
| Support channels | Email, Help centre | Chat |
Where each stands against the rest
| Fact | Credityes | myKredit | Median |
|---|---|---|---|
| APR | 0% to 48%lowest quarter | Not confirmed | 8.95 |
| Term | 2 to 36 monthsbelow the median | 30 monthsbelow the median | 60 |
Median across 1190 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
myKredit
Pros
- Online loan applications are described.
Cons
- Residence alone does not establish full eligibility.
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%
myKredit
Who it suits
- Spanish residents reviewing myKredit's online application route and criteria.
Who should look elsewhere
- Applicants relying on residency alone as proof they qualify.
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 | myKredit |
|---|---|---|
| Philippines | Yes | No |
| Spain | No | 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.
myKredit
What kinds of credit does myKredit offer?+
myKredit offers short term credit that is arranged online for borrowers in Spain. The range stays focused on small sums for urgent everyday needs rather than long projects. Each request is assessed individually, so the outcome depends on the details the applicant provides. Borrowers who need a longer structure will find a different product better suited to that purpose.
Who is the service designed for?+
The service is designed for adults in Spain who hold a valid identity card or a foreigner identity number and who are comfortable managing matters online. It is less suited to anyone who prefers face to face guidance or a longer arrangement. Anyone considering the service should review the full conditions carefully before deciding.
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