Updated October 17, 2026 · BorrowCue Editorial Team
Crezu vs Finbro
Where Crezu and Finbro differ
| Compare |  Crezu | Finbro ReviewVisitVisit |
|---|---|---|
| Loan amount | ₱500 to ₱25,000 | ₱1,000 to ₱50,000Higher |
| Term | 3 to 4 months | 12 monthsHigher |
| Funding time | Decision in 2 min, money in 15 min | Same day after approval |
| Lender type | Broker | Direct lender |
| Eligibility | Over 18 years old, resident of the Philippines, valid ID card, phone number and bank account | Age 20 to 70 |
| Loan types | Personal, Debt consolidationCovers more | Personal |
| APR | 12% to 36% | Not confirmed |
| Arrangement fee | 0 PHP - no service fee | Not confirmed |
| Credit check | Hard | Not confirmed |
| Representative example | Personal loan of PHP 10,000 repaid in 3 months: total payment PHP 15,000 | Not confirmed |
| Use cases | Home improvement | Not confirmed |
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Key differences
- Finbro scores higher overall: 9.0 vs 8.5.
- Loan amount is higher at Finbro: ₱1,000 to ₱50,000 vs ₱500 to ₱25,000.
- Term is higher at Finbro: 12 months vs 3 to 4 months.
- Support channels: only Crezu offers Email.
- Support channels: only Finbro offers Chat.
- Loan types: only Crezu offers Debt consolidation.
Our verdict on each
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.
Finbro
Finbro advises borrowers to study the Disclosure Statement before proceeding with a loan application.
Score breakdown
| Area | Crezu | Finbro |
|---|---|---|
| Cost | 8.8 | Not confirmed |
| Offer | 8.2APR 12% to 36% and origination fee 0 PHP - no service fee shape the offer. | 8.5Higher |
| Trust | 8.3 | 9.3Higher |
From lowest to highest
| Fact | Crezu | Finbro |
|---|---|---|
| Loan amount | ₱500 to ₱25,000 | ₱1,000 to ₱50,000 |
How they place
| Ranking | Crezu | Finbro |
|---|---|---|
| Personal loans | 48 of 1920 | 109 of 1920 |
What we checked
Crezu
- crezu.ph: 15 facts, checked September 26, 2026
Finbro
- finbro.ph: 8 facts, checked October 17, 2026
- cuelinks.com: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Crezu | Finbro |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OÜ (Fininity Ltd), company no. 14523902 | Sofi Financing Inc. |
| Headquarters | Estonia | Philippines |
| Support channels | Chat |
Where each stands against the rest
| Fact | Crezu | Finbro | Median |
|---|---|---|---|
| APR | 12% to 36%above the median | Not confirmed | 8.95 |
| Loan amount | ₱500 to ₱25,000below the median | ₱1,000 to ₱50,000above the median | ₱45,000 |
| Term | 3 to 4 monthslowest quarter | 12 monthslowest quarter | 60 |
Median across 1164 listed lenders.
Pros and cons
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
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
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
Finbro
Who it suits
- Philippines applicants reviewing Finbro loan disclosures
Current offers
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 | Crezu | Finbro |
|---|---|---|
| Philippines | Yes | Yes |
Questions about each
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.
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.