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Find the personal loan that’s best for you — without fees or paperwork

  • Let us know how big of a loan you need
  • We’ll compare offers from hundreds of lenders and select the best loan for you, personalized to match your profile
  • You’ll get your money quickly & on the best possible terms

We take the privacy of Crezu users very seriously. So don’t worry — all of your data and private information are strictly protected.

How much do you need?


1000 ₱
10000 ₱
Over how many days?


61 days
90 days
Fee 0 ₱
Return Date
Crezu does not charge any service fees. It’s absolutely FREE!
The loans offered have minimum repayment terms of 61 days (2 months) and maximum repayment terms of 90 days (3 months). Lending rates vary from lender to lender in the range from 12% to a maximum APR of 144%. For example, for a loan of ₱ 10,000 that will be paid in 3 months, the total payment of the loan will be ₱ 15,000.
Here’s how to get an online loan FAST

All it takes is three simple steps.

Fill out the online form

Do you have five minutes and an official ID? That’s all you need. (We really mean it — no credit score or paperwork necessary.)
Get Started

Get the best personalized offers for you

We’ll compare hundreds of quotes and lenders, then provide you with the personal loan options that best fit your needs. (Think of us as your perfect matchmaker!)

Get your money

It can take as little as five minutes! Receive the money by card, directly to your bank account, or in cash at a nearby pickup point. (Whichever’s most convenient and comfortable for you!)

Why choose Crezu?
Our unique system enables us to go through the entire market of lenders in order to find the best possible loan for you, saving you time and money. The best part? It’s always 100% free, with zero obligation. It’s no wonder why 77% of our customers come back to use Crezu again.
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With the help of Crezu, I avoided sending lots of applications to different lenders and saved a lot of time. It’s the fastest and most efficient platform I’ve ever used. Super recommended.
Maine Tomas, 
I’ve tried other loan websites before, but they were so unclear and always came out with hidden charges. Crezu is a really transparent and comfortable platform.
Alden Ocampo, 
I’ve never been very good at searching and comparing different loan offers in order to find the best one… but Crezu made it so easy for me! Highly recommended!
Lea Ong, 
Frequently Asked Questions
Crezu is a personal loan search and comparison website. Once you fill out a short application, we’ll compare offers from hundreds of lenders in order to find the best loan for you, personalized to match your profile.
No! In fact, Crezu never charges any fees.
All we need is your email, phone number, and document number. You also must be between 18-70 years old, residing in the Philippines.
Yes! Crezu collaborates with various companies that issue fast loans online for people with bad credit history.
Absolutely. Crezu will only use the information you provide to conduct a search and match you with lending partners. For more information, read our Privacy Policy.
Crezu works with lenders in order to offer the very best terms in the market. However, interest rates will vary depending on your particular lender and circumstances. The quickest way to figure out interest rates is to request a quote for a loan — it only takes a few minutes!

Online Loans in the Philippines

The existence of the internet has made everything we do easier and more convenient; from the basics such as researching information to more complex tasks like an online loan application. For those who are in a tight spot and need money ASAP, fast credits can really help.

However, like with any online activity, it’s best to exercise some caution. This is where the platform Crezu comes in.

We make applying for online loans easier and hassle-free, ensuring that you work with only accredited lending agencies. With them, you can get your cash loans online without the fear of getting scammed.

However, before we get into the details of how Crezu works, we first have some useful tips and advice on how to apply for an online loan.

How to Choose Online Loans in the Philippines?

As with any financial transaction, applying for an online loan Philippines should be considered carefully and be done with only reputable lending companies. Finding a credible company that can give you quick loans online can be difficult, especially when you’re strapped for cash.

Nevertheless, accredited companies who can lend you the money that you need do exist. The only problem now lies with how to choose the right one.

When looking for the right lending company, there are several factors you need to consider such as:

  • Legitimacy of the lending company
  • Requirements for your eligibility
  • Maximum lending amount
  • Processing/ Releasing speed
  • Terms of payment
  • Interest rates
  • Payment Options

These are just some of the details you will need in order to make an informed decision when choosing a loan. We will delve further into these as we go on but just take note of them in the meantime.

How Crezu Online Loans Work?

Crezu is a company that strives to help people everywhere by making it more convenient to apply for easy cash loan online. We achieve this by finding the best offers from lending companies available for you. With your options readily available, you can choose the best one suited to your needs and financial capability.

All you need to do is fill up our application form with all the required details. After submission, Crezu will use their extensive database of the most lending companies to look for the best credits for you. This will save you the time and effort of doing the research yourself.

Moreover, everything is laid out for you. There’s no need to worry about any hidden fees or fine print that can surprise you. Everything you need to do for the loan will be talked about before any agreement happens.

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How to Find Trusted Lending Companies

Finding trusted lending companies can be difficult because of the number of options out there. Moreover, it might be difficult to sort out which ones are legit because of how easy it is to make your own site. Because of this, you need to be careful when looking for easy cash loans online.

Nevertheless, there are ways to find trusted lending companies such as through the SEC site where they list down all registered companies with them, online reviews, and of course, Crezu.

With Crezu, you no longer have to do a thorough background check on your potential lender as we only work with trusted companies. If they work with Crezu, you can be assured that they are credible.

How to Know if You’re Dealing with a Legitimate Company

Knowing whether a lending company is legitimate or not can be a difficult endeavor, especially considering how many potential scams are there. However, there are a few things you can look for to determine their legitimacy such as:

  • Certificate of Authority from the SEC

Companies that allow online loans should be registered with the Securities and Exchange Commission (or SEC). The Certificate of Authority is proof that the company is recognized by the SEC and therefore legitimate to do business.

  • Full Contact Details and a Physical Address

An open and reliable communication channel through which you can reach your lender is vital to determining their legitimacy. You wouldn’t want to borrow from someone whom you cannot reach, especially when you have questions about your agreement or terms.

Although not required, having a real physical address would also be a positive sign as this means you can drop by if ever there are any problems.

  • Clear Payment Terms and Other Details

Easy online loans can sometimes be too good to be true. However, if a lending company has clear and precise payment terms, then it’s a sign you’re dealing with a legitimate company. Making sure you have all the details will also prevent any unwanted surprises down the line.

  • No Prepayment Needed

A trusted lending company will not ask for any out-of-pocket expenses. They will usually deduct any processing fees from the amount to be loaned. Consider it a red flag when your lender asks for any fee upon applying for a loan.

  • Only the Basic Details are Asked

Of course, as with any financial transaction,loan applications will need your basic details like your name, address, statements of financial capacity, etc. If they ask for something more like detailed information about your bank accounts or credit card details, then this is a major red flag. No legitimate lending company will ask for such details.


If you don’t want to go through all that trouble but still want to avoid being scammed, then Crezu should be your go-to for your applications. We work with only trusted companies whose credibility has been proven.

With Crezu, you can rest assured that any lending company you choose through their platform has passed all the necessary requirements and are safe to transact with.

What are the Processes Required to Get an Online Loan?

Applying for an online loan is easier and faster compared to the traditional way of getting a loan. It only consists of 3 parts, namely:

  • Submitting An Application Form with Required Documents

Submitting your application form and required documents will usually be done through their website or official email. The application form will ask for basic details such as your name, address, source of funds, etc. Most lenders will only ask for a government-issued ID so as to verify your identity.

  • Approval Process

During this time, the lending company will verify the information you provided. This is the time when they will determine whether or not you’re eligible for a loan. This is also the time when your credit score comes into play.

They usually take around 24 business hours to process applications. To avoid any delays in processing your application, ensure that you have filled up the form correctly and submitted all required documents.

  • Disbursement or Release

The disbursement of funds or release of your loaned money depends on the company from whom you’re borrowing. It can range from some time immediately after your approval or can take up to 5 business days. There are companies who can take up to 7 business days before releasing the money.

What Does An Online Loan Application Require?

Applying for a credit may be easier and faster compared to the more traditional way of acquiring loans but they still have requirements. Some of the most common requirements for eligibility are:

  • Aged 22 years old and above
  • A current resident of the Philippines
  • Currently employed and/or have a stable source of income
  • Has government-issued IDs (for verification purposes)
  • Has an email address and a bank account

Some of the documents required for online loan applications are:

  • 2 Valid government-issued IDs
  • 3 months’ worth of payslips for employed applicants or bank account statements for self-employed
  • Certificate of employment (employed applicants) or ITR (self-employed applicants)
  • A bank account that is under the borrower’s name (this is where the funds will be released to)
  • Proof of Billing (to confirm your address)

The criteria for eligibility and documents required aren’t that different from traditional loans. The only difference is that online applications take less time to process.

Although not a general requirement, some lenders do check your credit score to determine your eligibility for loans.

How to Receive Easier Approval for Your Online Loan

Although it’s easier to get approval, lending companies are still careful when it comes to whom they lend the money.

Here are some tips to receive easier approval from lending companies:

  1. Only borrow a realistic amount.

This means your loan application should reflect an amount that is proportional to your capacity to pay. This also avoids the possibility of you being unable to pay it later on.

  1. Contribute regularly to your savings.

Your savings can serve as your emergency fund. Moreover, regularly contributing to your savings account can serve as proof of your being financially responsible. This can convince lending companies to approve your application.

  1. Maintain a good credit score.

This means paying any debts, credit cards, and existing/previous loans that are unpaid. This is because despite not having a centralized system, lending institutions still have their ways of checking your credit score. The better it is, the easier your approval will be.

These are just some of the basic things you can do to get your online loan application approved. Apart from that, they are also good financial habits to have which can lead to the responsible handling of money.

Do Not Pay More – Pay Attention to Deadlines

Before you apply for the credit, we first would like to talk about interest rates. Interest is added to the amount you need to pay, depending on your payment terms.

Interest is the percentage of the total amount you owe. Let’s say you took out a loan of 10,000PHP that has an interest rate of 2% (the usual interest rates of online loans). If you have a credit with monthly payments of 12, you need to pay off your total with an interest rate of 2% monthly for 12 months.

So the computation would be 10,000PHP ÷ 12 months = 833.33PHP. Along with your interest of 2% (10,000PHP x 0.02 = 200PHP), your monthly payment would be 1,033.33PHP.

Doable, right?

However, the thing with loans is that they charge a fee for late payments or non-payments. The usual amount would be around 3 to 8% of the overdue amount. This is on top of next month’s payment so if you skip a monthly payment, you’ll have to pay the overdue, 3 – 8% of said overdue, plus your next month’s amount.

Skipping Deadlines Can Be Heavy on the Budget

As much as possible, try to pay your credits on time because the overdue amount, along with the late payment fee and next month’s due, can be tough and heavy on the budget. These can pile up fast if you’re not careful.

Moreover, if you end up defaulting on your loan, it can affect your credit score and therefore your ability to apply for future loans.

Credit Scores and Why They Matter

Although the Philippines doesn’t have a centralized system for tracking credit scores, it’s still vital that you maintain a good credit score. This is because lending companies may still access your financial information via private financial institutions.

What even is a credit score?

A credit score is a number given to you based on your financial history as an indication of your ability to pay for loans. Factors that can affect your score are your credit card payment history, any past loan, types of credit you used, etc.

If you have a good credit score then you have a higher chance of getting approval.

What Should We Take Into Account Before Taking An Online Loan?

Now, we will delve deeper into the factors you should consider before taking a loan. Some of the basic things you need to consider are:

  • Credit Requirements

Most credits only require basic things like the application form, documents (in the form of IDs and proof of capacity to pay), and bank details (where they will deposit the money directly).

  • Maximum Amount for Loans

Of course, loan companies have limits for the amount they can lend. This is especially true for online loans. The usual maximum amount for personal loans would be somewhere around 10,000PHP to 20,000PHP. Business loans can go much higher; sometimes reaching 2.5 million PHP.

  • Interest Rates

Again, this would be added to your overall payment so you would essentially be paying more than you owed. Most loans have an interest rate of around 2% but this can be lower or higher, depending on the company. There are even companies with 0% interest promos.

  • Payment Terms

This would be the overall duration given to you to pay off your loan. Usually, the bigger the loan, the longer the duration allowed. Mostloans can be paid off weekly, bi-weekly, or monthly (generally ranging from 3 – 36 months).

  • Payment Options

Because the whole process is done entirely online, usually they have many different payment options. You need to consider which one is the easiest and most accessible to you. They usually have options for bank payments, remittance centers, and online channels.

  • Processing and Releasing Speed

Applying for online loans are easier and more convenient, especially since their processing speed is much faster than your traditional lending institutions. They can usually process applications within 24 hours and release the money (directly into your bank account) in a few days after approval. Disbursement usually happens 1-2 business days after approval but it can sometimes take as long as 5 business days.

  • Possibility of Collateral

It’s not usual for credits to ask for collateral since most amounts are small enough. However, some do require it, especially for large amounts (like the aforementioned 2.5M PHP).

What Are The Advantages of Online Loans?

The existence of the internet credits makes it easy for those strapped for cash to get the money they need without the hassle. Some of the other advantages of online loans are:

  • They offer convenience and freedom from any hassle.

oan applications are done entirely online which makes them incredibly convenient for interested applicants. This is because you can do it anywhere you are; whether it’s at the office or from the comfort of your own home. There’s no more need to set aside a chunk of your valuable time just to line up at the bank.

  • They offer a much faster processing and releasing time.

You no longer have to wait weeks to hear from your lender as most lending companies will get back to you within 24 business hours. Moreover, the disbursement of funds will happen almost immediately after you get approved. This makes it easier for those who are strapped for cash and need it for emergencies.

  • They only require a few documents.

Most lending companies will only require a few documents and no collateral. You don’t have to submit all documents of your assets. All you usually need are government-issued IDs, proof of address, and proof of income.

  • They offer a wide selection of payment options.

Lending companies will give you a large selection of payment options to choose from. You can choose the nearest and most convenient option for you. They sometimes even offer payment via online channels (after all, they deal with online transactions) so you can pay off your loan from the comfort of your own home.

  • They usually offer lower interest rates.

Compared to traditional institutions and credit cards, online loans have lower interest rates. They sometimes even offer 0% interest promos to entice applicants.

The Internet credits can help you with your immediate financial needs, especially in cases of emergencies.

Online Loan vs Traditional Credit

Taking out an online loan is best if you need cash immediately as the approval time and disbursement period are generally short. Moreover, they generally have lower interest rates than traditional credit. They are also easier to get approval for compared to credit cards.


With all of the details given to you, you are now more equipped to apply for internet credits. If you’re strapped for cash, whether it’s for an emergency, bills, or simply because you want to buy something, they can really help with your financial situation.

However, like with anything that has to do with finances, you have to be responsible. This is especially true in terms of paying off your loan. Overdue amounts, along with the late fees and future payments, can build up if left unpaid. This can result in a large amount of money that you couldn’t possibly pay off in a month.

This is why you should always strive to pay off your loan in a timely manner. Moreover, make sure that any online loan you take out will be something that’s within your capacity to pay.

Crezu can help you find the right lending companies who have the right payment terms that are best suited to your needs. With them, you no longer have to worry about falling prey into scams or biting off more than you can chew in terms of payments.

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