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MoneyNow.ph

CreditYes review

We 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.

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.

Check the SEC lists yourself

Go to CreditYes

Our assessment

No headline score yet

Assessed on 4 of 6 criteria, covering 55% of the rubric weight. We withhold the headline figure until regulatory standing is settled and at least half the weight is covered. How we rate

Regulatory standing · 25%
Not assessed
Cost of credit · 20%
Not assessed
Cost transparency · 20%
3/10
Who you borrow from · 15%
4/10
Data handling · 10%
3/10
Getting approved · 10%
6/10

Key facts

Loan amount₱1,000 – ₱25,000source
Repayment termMinimum 61 days, maximum 36 monthssource
Advertised rateThe published example uses 48% per year. No maximum rate appears anywhere on the sitesource
FeesPublished example: ₱1,000 over 3 months, loan commission ₱0.00, total repayable ₱1,120source
First-loan offerAdvertised as a first loan with APR starting from 0%source
Registered nameDOAFF 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

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.

Go to CreditYes

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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What we still have to check on this provider (6)

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.