Updated September 29, 2026 · BorrowCue Editorial Team
Crezu vs Finmercado
Where Crezu and Finmercado differ
| Compare |  Crezu |  Finmercado |
|---|---|---|
| APR | 12% to 36%Lower | from 677.47% |
| Loan amount | ₱500 to ₱25,000 | MX$500 to MX$200,000 |
| Term | 3 to 4 months | 2 to 12 monthsHigher |
| Arrangement fee | 0 PHP - no service fee | 0 MXN |
| Credit check | Hard | Soft prequal |
| Funding time | Decision in 2 min, money in 15 min | Online application in about 5 minutes; partner lenders answer in minutes and deposit goes to the customer's bank account |
| Representative example | Personal loan of PHP 10,000 repaid in 3 months: total payment PHP 15,000 | Personal loan of MXN 2,000 over 6 quincenas, 6 payments of MXN 647, total to pay MXN 3,882; monthly interest rate 28% to 49.50% (without VAT), informative CAT from 677.47% |
| Lender type | Broker | Marketplace |
| Eligibility | Over 18 years old, resident of the Philippines, valid ID card, phone number and bank account | Mexico only, accredited Mexican lending partners; partner lenders accept from 18 years (some 21+); INE and an active bank account required |
| Loan types | Personal, Debt consolidation | Personal, Payday, Secured, Business, Debt consolidation, StudentCovers more |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Poor |
Same on both: Use cases (Home improvement).
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Key differences
- APR is lower at Crezu: 12% to 36% vs from 677.47%.
- Term is higher at Finmercado: 2 to 12 months vs 3 to 4 months.
- Support channels: only Finmercado offers Chat, Help centre, Community.
- Loan types: only Finmercado offers Payday, Secured, Business.
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.
Finmercado
Finmercado suits Mexican borrowers who need a small personal loan in the bank account the same day, with a soft prequalification and no origination fee. The trade-off is cost, with an informative CAT starting at from 677.47% and a short term, so this is a bridge rather than long-term credit.
Score breakdown
| Area | Crezu | Finmercado |
|---|---|---|
| Cost | 8.8 | 8.8Cost rests on the rate: the informative CAT starts at from 677.47%, with terms of 2 to 12 keeping balances short. |
| Offer | 8.2APR 12% to 36% and origination fee 0 PHP - no service fee shape the offer. | 8.8Higher |
| Trust | 8.3Higher | 8.1 |
Side by side, item by item
| Loan types | Crezu | Finmercado |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | Yes |
| Secured | No | Yes |
| Business | No | Yes |
| Student | No | Yes |
| Use cases | Crezu | Finmercado |
|---|---|---|
| Home improvement | Yes | Yes |
How they place
| Ranking | Crezu | Finmercado |
|---|---|---|
| Personal loans | 48 of 1920 | 40 of 1920 |
| Debt consolidation loans | 18 of 425 | 15 of 425 |
| Home improvement loans | 21 of 562 | 17 of 562 |
A third option
Sofkredit has apr at 10.74% to 18.06%, against 12% to 36% for Crezu and from 677.47% for Finmercado.
Sofkredit reviewEvery fact side by side
| Fact | Crezu | Finmercado |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OÜ (Fininity Ltd), company no. 14523902 | SIA JEFF |
| Headquarters | Estonia | Mexico |
| Support channels | Email, Chat, Help centre, CommunityCovers more |
Where each stands against the rest
| Fact | Crezu | Finmercado | Median |
|---|---|---|---|
| APR | 12% to 36%above the median | from 677.47%highest quarter | 8.99 |
| Term | 3 to 4 monthslowest quarter | 2 to 12 monthslowest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1152 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
Finmercado
Pros
- No fee for taking out a personal loan, since the origination fee is 0 MXN
- same day funding is offered and the deposit goes straight to your bank account
- The online application takes a few minutes, and partner lenders answer in minutes
Cons
- Fees are not the problem, interest is: from 677.47% is an informative rate and the representative example shows a total repayable well above the amount borrowed
- Terms run 2 to 12, so a larger balance has to be cleared quickly
- Support runs on email, chat and help centre only, with no phone line
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
Finmercado
Who it suits
- Mexican residents with an INE and an active bank account who need a personal loan quickly
- Borrowers with poor credit who want a soft prequal check before a full application
- Anyone covering home improvement without paying an origination fee of 0 MXN
Who should look elsewhere
- Borrowers who can clear a mainstream credit test, since Monzo Flex quotes 10% to 23% against the from 677.47% Finmercado starts at
- Anyone needing a repayment window longer than 2 to 12
- Readers who want to talk a lender through by phone, since support runs on email, chat and help centre
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 | Finmercado |
|---|---|---|
| Mexico | No | Yes |
| Philippines | Yes | No |
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.
Finmercado
How much does borrowing from Finmercado cost?+
The informative CAT starts at from 677.47% and the origination fee is 0 MXN, so nothing is charged for setting the loan up. The representative example shows where the cost really sits: a small personal loan repaid over a short run of fortnightly payments, with a monthly interest rate quoted before VAT and a total repayable well above the amount borrowed.
Is there an arrangement fee to pay?+
The origination fee is 0 MXN, and no percentage charge sits on top because that figure is 0%. The whole cost therefore falls on the interest, which means the rate offered and the length of the term decide the bill rather than the setup.
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