Moneezy
our ratingBest for Seeing a real example first
Marketplaceforwards your applicationSEC check pending
- Amount
- ₱1,000 – ₱25,000 across partner lenders
- Term
- 61 – 120 days
- Rate
- Set by the matched lender; its own example works out to 36% APR
CreditYes review
Marketplaceforwards your application2.8/5We are not recommending CreditYes, and you should know why we are even listing it: the site is owned by DOAFF SIA, the affiliate network that pays us when you click through. Set that aside and it still names no partner lender, publishes no maximum rate, and dresses a loan decision in stock-photo testimonials and a countdown timer that was running backwards when we checked. The one worked example it publishes does comply with the SEC ceiling, which is more than two of the marketplaces added alongside it can say.
- Loan amount
- ₱1,000 – ₱25,000
- Repayment term
- Minimum 61 days, maximum 36 months
- Advertised rate
- The published example uses 48% per year. No maximum rate appears anywhere on the site
- Fees
- Published example: ₱1,000 over 3 months, loan commission ₱0.00, total repayable ₱1,120
Marketplaceforwards your applicationSEC check pending
CreditYes is a marketplace, not a lender. You submit one application and it forwards your details to lenders it works with. It does not need a Certificate of Authority because it never lends — the licence that matters belongs to whichever lender you are matched with.
We have not finished the SEC lookup for this provider. Until we have, verify it yourself on the SEC lists before applying.
Reactivated on 2026-07-27, and the reason for the earlier deactivation was wrong. We had recorded that no substantive Philippine site existed; credityes.ph does exist and publishes amounts, terms, eligibility and a worked example. What we did find is a relationship the reader is entitled to know about: the site is owned by DOAFF SIA of Riga, Latvia (VAT 40203426084), which is the affiliate network that pays us when you click through to it. It holds no Philippine Certificate of Authority and does not need one, because it does not lend. Still to check: whether DOAFF SIA is registered to do business in the Philippines, and whether the brand appears in any SEC advisory.
Our rating
out of 5 — Weak
Our own assessment, not a customer poll. Scored on 5 of the 5 criteria that apply to a marketplace, covering 100% of the rubric weight. How we rate
- Regulatory standing · 25%
- 6/10
- Cost transparency · 20%
- 3/10
- Who you borrow from · 15%
- 4/10
- Data handling · 10%
- 3/10
- Getting approved · 10%
- 6/10
Sub-scores are held on a 0–10 scale and shown that way for precision; the headline converts them to the 5-point scale. Cost of credit is not scored here: a marketplace does not set the price, so the criterion does not apply and its weight is spread across the rest.
Key facts
| Loan amount | ₱1,000 – ₱25,000source |
|---|---|
| Repayment term | Minimum 61 days, maximum 36 monthssource |
| Advertised rate | The published example uses 48% per year. No maximum rate appears anywhere on the sitesource |
| Fees | Published example: ₱1,000 over 3 months, loan commission ₱0.00, total repayable ₱1,120source |
| First-loan offer | Advertised as a first loan with APR starting from 0%source |
| Registered name | DOAFF SIA |
We publish a figure only where we can point at the provider’s own published page. Everything else says “see lender terms”.
Who it suits
Of some use if you want a sense of what is available and are content to be contacted by whoever buys the lead. Not the place to start if you want to know who will hold your loan, because that question is answered nowhere on the site.
Trade-offs
In its favour
- Publishes a worked example with the commission stated at zero, and the example complies with the SEC ceiling for a loan of that size and term
- States eligibility up front: 18 to 75, resident in the Philippines, bank account, phone, email and an identity document
- Says plainly that the lending decision is made by the institutions it works with, not by CreditYes
- Browser-based, so there is no app asking for your contacts
Against it
- Not one partner lender is named, so you cannot check any of them against the SEC list before handing over your details
- No maximum rate is published anywhere. The single 48%-a-year example is the only cost figure on the site
- The testimonials use stock portraits, and the "545 people" trust counter sits on the same page as two separate "1000+" counters
- A countdown timer manufactures urgency over a loan decision, and on the day we checked it was displaying a negative number
- Three certificate badges appear under the heading that your data is safe, with no issuing body named on any of them
- The footer still refers to creditda.ro, its Romanian equivalent, which shows this is a template rolled out per country rather than a service built for Philippine borrowers
- The owner, DOAFF SIA, is the affiliate network that pays us for sending you here. Clicking through means your details are monetised twice before any lender sees them
Before you apply
- Ask for the total cost in pesos, not the daily rate. Then put it through the loan calculator to see the effective rate and whether it sits inside the ceiling.
- Check the operator name on the SEC lists — the brand on the app is often not the licensed company.
- Find out which lender you have been matched with before you accept, and check that one too.
- If an app asks for your contacts or photos, that is the setup for the debt-shaming this market has a history of. Refuse it.
We earn a commission when you apply through some of the links on this page, and that can affect the order providers appear in. It does not affect whether we tell you a provider is a broker rather than a lender, or that we could not verify its registration.
Borrow only what you can repay. Compare the effective interest rate, including fees, rather than the advertised daily or monthly rate — they are not the same number. Missing payments adds penalties and is reported to the credit bureau. If a lender or collector threatens you or contacts the people in your phone, that is prohibited, and you can report it to the SEC.
Borrower reviews
Nobody has submitted a review of CreditYes yet. When they do, they appear here in full — we do not write them ourselves and we do not buy them in.
Borrowed from CreditYes?
Tell other people what actually happened — the amount you were offered, the fees you were charged, how collection was handled. We publish real submissions only, and we read each one first.
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Alternatives to CreditYes
Other providers we list for the same need. Marketplaces are labelled as marketplaces; direct lenders as lenders.
Crezu
our ratingMarketplaceforwards your applicationSEC check pending
- Amount
- ₱1,000 – ₱25,000 across partner lenders
- Term
- 91 – 120 days
- Rate
- 12% to a maximum 36% APR, per its own site
Finbro
our ratingBest for Larger amounts, up to ₱50,000
Direct lenderSECCA 1324
- Amount
- ₱1,000 – ₱50,000
- Term
- Up to 12 months
- Rate
- 0% – 144% APR
We earn a commission when you apply through some of these links, which can affect the order. It never affects the rating, the lender/marketplace label or the SEC status.
What we still have to check on this provider (6)
- Check the SEC advisories list for the CreditYes brand and for DOAFF SIA
- Establish whether DOAFF SIA is registered to do business in the Philippines
- Identify which lending companies actually receive the application, and whether each holds a Certificate of Authority
- Establish whether the 48%-a-year example reflects any offer a partner has actually made
- Identify what the three unlabelled certificate badges are meant to represent
- Read the privacy policy and record whether data leaves the Philippines and who it is sold to
Published openly on purpose. A review that hides its own gaps is asking you to trust it more than it has earned.
Last reviewed 2026-07-27.