Updated October 17, 2026 · BorrowCue Editorial Team
Crezu vs Luzo ES
Crezu vs Luzo ES: the differences
| Compare |  Crezu |  Luzo ES |
|---|---|---|
| APR | 12% to 36% | 0%Lower |
| Funding time | Decision in 2 min, money in 15 min | Money in bank account within minutes |
| Eligibility | Over 18 years old, resident of the Philippines, valid ID card, phone number and bank account | Spanish bank account in euros and valid identity document |
| Loan types | Personal, Debt consolidation | Payday |
| Loan amount | ₱500 to ₱25,000 | Not confirmed |
| Term | 3 to 4 months | 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 |
| Lender type | Broker | Not confirmed |
| Use cases | Home improvement | Not confirmed |
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Key differences
- Luzo ES scores higher overall: 9.1 vs 8.5.
- APR is lower at Luzo ES: 0% vs 12% to 36%.
- Support channels: only Crezu offers Email.
- Support channels: only Luzo ES offers Phone.
- Loan types: only Crezu offers Personal, Debt consolidation.
- Loan types: only Luzo ES offers Payday.
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.
Luzo ES
The LUZO.es agreement names SF PRÉSTAMOS S.L. as lender trading as LUZO.es. It also provides for agreed processing or management costs, so a free-loan claim is not supported.
Score breakdown
| Area | Crezu | Luzo ES |
|---|---|---|
| Cost | 8.8 | 9.9Higher |
| Offer | 8.2HigherAPR 12% to 36% and origination fee 0 PHP - no service fee shape the offer. | 8.1 |
| Trust | 8.3 | Not confirmed |
Availability and regulation
Additional countries for Crezu: 1. Additional countries for Luzo ES: 1.
Where they rank in our lists
| Ranking | Crezu | Luzo ES |
|---|---|---|
| Personal loans | 48 of 1920 | 44 of 1920 |
What we checked
Crezu
- crezu.ph: 15 facts, checked September 26, 2026
Luzo ES
- luzo.es: 5 facts, checked October 17, 2026
Every fact side by side
| Fact | Crezu | Luzo ES |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | Fininity OÜ (Fininity Ltd), company no. 14523902 | Not confirmed |
| Headquarters | Estonia | Not confirmed |
| Support channels | Phone |
Where each stands against the rest
| Fact | Crezu | Luzo ES | Median |
|---|---|---|---|
| APR | 12% to 36%above the median | 0%lowest quarter | 8.95 |
| Loan amount | ₱500 to ₱25,000below the median | Not confirmed | ₱45,000 |
| Term | 3 to 4 monthslowest quarter | Not confirmed | 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
Luzo ES
Pros
- The agreement identifies the lender.
Cons
- Processing or management costs may be agreed.
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
Luzo ES
Who it suits
- Spanish borrowers checking who lends through LUZO.es and what costs the agreement may include.
Who should look elsewhere
- Borrowers looking for a loan described as having no processing or management costs.
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 | Luzo ES |
|---|---|---|
| Philippines | Yes | No |
| Spain | No | 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.
How much can I borrow and for how long?+
Amount PHP 500 to PHP 25,000 is a small ticket range, which suits a bill or a repair rather than a major purchase, and it sits well below the site median loan size. Term 3 to 4 is short, so the balance has to clear quickly. Read the representative example first, because a short term on a small loan can still leave a large total to repay.
How fast do I get the money?+
Funding time Decision in 2 min, money in 15 min is the headline: the decision comes quickly and the cash follows shortly after. same day funding confirms same day funding. The money goes to the bank account in your application, so make sure that account is live and can receive a transfer before you apply.