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Crezu review

Marketplaceforwards your application2.6/5

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.

Loan amount
₱1,000 – ₱25,000 across partner lenders
Repayment term
91 – 120 days
Advertised rate
12% to a maximum 36% APR, per its own site
Fees
Free to use. Its own example: ₱10,000 over 3 months, repay ₱15,000 — an effective 23.4% a month
Marketplaceforwards your applicationSEC check pending

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.

Check the SEC lists yourself

Go to Crezu

Our rating

out of 5 — Weak

Our own assessment, not a customer poll. Scored on 3 of the 5 criteria that apply to a marketplace, covering 75% of the rubric weight. How we rate

Regulatory standing · 25%
5/10
Cost transparency · 20%
2/10
Who you borrow from · 15%
5/10
Data handling · 10%
Not assessed
Getting approved · 10%
Not assessed

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 – ₱25,000 across partner lenderssource
Repayment term91 – 120 dayssource
Advertised rate12% to a maximum 36% APR, per its own sitesource
FeesFree to use. Its own example: ₱10,000 over 3 months, repay ₱15,000 — an effective 23.4% a monthsource
First-loan offerSee lender terms
Registered nameNot 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

Questions people ask about Crezu

Is Crezu legit?

Crezu presents as a comparison service that forwards applications to partner lenders. As a marketplace it needs no Certificate of Authority; the partner lender it matches you with does. We have not yet identified Crezu's operator, which is why its SEC status shows as pending rather than confirmed.

What does a loan through Crezu cost?

Its site advertises ₱1,000 to ₱25,000 over 91 to 120 days at 12% to a maximum 36% APR. Its own worked example — ₱10,000 over three months repaid at ₱15,000 — works out at an effective 23.4% a month, which would breach the 12% ceiling if the partner's loan were a covered one. Read the matched lender's disclosure statement, not Crezu's front page.

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 Crezu

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.

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Alternatives to Crezu

Other providers we list for the same need. Marketplaces are labelled as marketplaces; direct lenders as lenders.

Moneezy

our rating

Best 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

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.

See every provider for online loans in the philippines →

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 2026-07-25.