Crezu review
We have pulled our recommendation. Crezu states a maximum of 36% APR, then publishes a representative example — ₱10,000 over three months, repay ₱15,000 — that works out to an effective 23.4% a month, roughly double the 12% ceiling that applies to a loan of that size and term, and nowhere near the 36% it advertises. The same company, Fininity Ltd, runs CashSpace, where the equivalent example is ₱11,000 rather than ₱15,000. Until Crezu explains which figure is real, use CashSpace instead.
Crezu 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.
Our assessment
Not recommended
Cost of credit: Its published pricing exceeds the ceiling the SEC applies to loans of this size and term. We do not publish an overall figure in this situation — a single number would invite comparison with providers that do not have this problem.
Assessed on 3 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%
- 0/10
- Cost transparency · 20%
- 2/10
- Who you borrow from · 15%
- 5/10
- Data handling · 10%
- Not assessed
- Getting approved · 10%
- Not assessed
Key facts
| Loan amount | ₱1,000 – ₱25,000 across partner lenderssource |
|---|---|
| Repayment term | 91 – 120 dayssource |
| Advertised rate | 12% to a maximum 36% APR, per its own sitesource |
| Fees | Free to use. Its own example: ₱10,000 over 3 months, repay ₱15,000 — an effective 23.4% a monthsource |
| First-loan offer | See lender terms |
| Registered name | Not yet confirmed |
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
Worth a look if you have already been turned down somewhere and want to reach several lenders from one form. Less useful if you already know which lender you want, because going direct means one credit check and one company holding your information.
Trade-offs
In its favour
- One application is shown to several lenders, so you are not filling in the same form five times
- Often surfaces an option for someone a single lender has already declined
- Useful for seeing the spread of what you might qualify for before committing to one lender
Against it
- You will not know which company actually lends you the money until you are matched
- Your details go to more than one lender, so expect follow-up contact from several
- Advertised amounts and rates are a range across partner lenders, not an offer to you
- It holds no Certificate of Authority because it does not lend. The licence that matters belongs to whoever it matches you with
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 Crezu yet. When they do, they appear here in full — we do not write them ourselves and we do not buy them in.
Borrowed from Crezu?
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.
Form not configured: set VITE_WEB3FORMS_KEY before deploying, or this collects nothing.
What we still have to check on this provider (6)
- Confirm the registered corporate name and Certificate of Authority on the SEC list
- Check the SEC advisories list for both the brand name and the operator name
- Record amount range, term range and advertised rate from the provider's own published page, with the URL
- Note which fees are charged up front and whether they are disclosed before application
- If there is an Android app, list the permissions it requests, especially contacts and storage
- Identify which lenders it forwards applications to, and whether they are named before you submit
Published openly on purpose. A review that hides its own gaps is asking you to trust it more than it has earned.
Last reviewed 2026-07-25.