Getting Fast Loans in the Philippines

Do you need fast loans online in the Philippines? With the help of Crezu, it is a very easy and simple process to get money. On our website, you will find the best available offers – save your time and finances.

Crezu Service is totally free, just fill the application in 1 minute and get the offers that are suitable for you.


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1 Cashwagon Loans
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  • Amount Allowed – Php2,000 up to Php20,000
  • Tenure – 30 days
  • Age Requirement – 21-60
  • Interest Rate – Starting at 1.5%
Offer Details:
  • No fee
  • First 30 days without interests
  • Flexible credit
  • Low interest
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Urgently Need Fast Loan?

Are you in need of fast cash loans? There are so many ways for you to be able to get the best fast loans that you need in record time. We understand that there will be times wherein you need immediate access to cash to pay for miscellaneous costs or emergency expenses. If you don’t have the cash on hand at the moment, fast cash loans can really help.

One of the most efficient and effective ways to look for loans is through the Crezu website. With this handy little platform, you can get an instant loan that allows you access to money without much trouble.

We’ll explain how this online platform works and give you some tips on handling loans so that you can avoid being in debt.

How to Choose Fast Loans?

Before we explain more about Crezu, you might be wondering about the best way to choose fast loans. We know that taking a credit can be pretty difficult, especially if you’re pretty desperate for money.

However, there are a few things that you need to take note of when you’re choosing the best options for a fast cash loan in the Philippines. Here are the things you need to remember:

  • Number of requirements needed
  • Maximum amount allowed
  • Speed of the process
  • Interest asked

These are the 4 things that you need to take note of. When you’re choosing the best loan, you need to consider these factors so you can pick the best one. We’ll talk about these 4 factors in detail later on but keep these in mind for the time being.

How Crezu Fast Loans Work?

Now, let’s talk more about Crezu. How exactly do Crezu quick loans online work? It’s very simple, really.

All you have to do is fill up an application form that Crezu requires. Once you’ve filled it out, submit the application to the database and wait for the application to pull up the best instant loan online options for you. All you have to do is choose the best option for your situation and your money management.

Do You Need Online Loan?Get Money

The beauty of Crezu provides options for loans without any hidden fees. What you see is what you get. Plus, all loan options have a breakdown of the costs and requirements. That said, everything is already clear in the beginning. You won’t be surprised with extra fees or extra requirements that weren’t mentioned beforehand.

  • Don’t Forget to Check Reviews of the Company!

When choosing your best loan option, you need to take into consideration the credibility of the company. This is because there are a lot of unscrupulous loan companies that aren’t registered and that try to cheat people of their money. These companies offer too-good-to-be-true terms that allow quick access to cash but with a lot of details not fully disclosed in the fine print.

Fortunately, Crezu only partners up with the most reputable lenders. With that, you can be sure of quality and credibility. Also, partnering with only credible partners makes reviewing the company easier.

You won’t need to look at too many reviews of the company because you’re sure that they’re trusted (Crezu is very strict with the standards of its partners).

Information on loans by cities 

You can get useful information on loans according to some large cities in Philippines here:

What are the processes required to get Loan?

Now that you know about Crezu, there are a few things we’d like to teach you about loans. This information can help you manage your loans wisely so as to avoid a mountain of debt.

We did mention above that one of the things to look out for when choosing a fast loan is the number of requirements needed. Now, you may be wondering what exactly are the minimum requirements required to get a fast loan? Well, this usually depends on the company that you’re looking at. However, most loan companies have some standard requirements that they need.

Here’s a list of the basic things you need to prepare when applying for credit:

  • Proof of Income
  • Valid Government ID
  • Proof of Billing (e.g. utility bill, phone bill, or credit card bill)
  • Post Dated Check (Not all)

Importance of Credit Score

One of the things that credit companies take into consideration when processing your fast cash online cash loan is your credit score. What exactly is your credit score anyway? It is the numeric factor that tells the loan company how much ability you have to pay for your loans. The credit score is affected by the status of previous loans, credit history, and the amount of money you owe for amortization (such as cars or homes).

What if you’ve never had a credit card or took up a loan in your entire life? If that happens, then your credit score may also be impacted by how well you pay your utility bills, like your phone bill or electricity bill. It will also be affected by how many bank accounts you have and how much money you keep in those accounts for a certain period of time.

How To Increase Your Credit Score

Obviously, the higher your credit score, the higher the chances of your application to be approved. The key here is to try and increase your credit score so that you won’t have any problems with your loan.

Some of the ways for you to increase your credit score is to open credit lines and pay them on time, always have money in your bank account, and also make sure to pay your bills on time. Doing all of these things can help increase your credit score over time.

You may also want to check out your credit score so you know what to aim for. There are a number of companies in the Philippines that can get your credit score for you. Simply search for companies that offer these services and avail one of them. Don’t forget to look at the reviews of these companies!

Is It Possible to Get a Loan Without Credit Check?

If you happen to have a bad credit score, or no credit score, and need the money urgently, there are ways to get a approval without a credit check. One of the most common options is to get a payday loan. Crezu can help you find payday loans that you can apply for quickly. With these options, you can get a credit in 15 minutes or less.

The catch is that you need to show your proof of monthly income. This is one of the requirements that act as the biggest determinant of approval. After approval, these lenders will either want to have post-dated checks for every payment day or an auto-debit option wherein they can take money from your bank account every payment date.

Can Unemployed Individuals Get Fast Loans?

If you don’t have a job, there are also other options to get fast loans for unemployed individuals. Crezu can also help you find credit companies that offer loans for the unemployed without credit checks and whatnot.

All these companies usually need to process a loan is an ID, an account on the platform, and a form filled up. Once you have all of those things, you can be granted a loan pretty easily. Since these loans have a bigger risk for the lender, it is not surprising though, that they may tend to have bigger interest rates.

Of course, the interest rate will still depend on many factors but fast loans for unemployed individuals usually need to pay more than employed individuals — especially for shorter-term loans.

For those who happen to get one of these loans, be very strict with payment, since you don’t have a fixed income.

How to Get a Student Loan

Students can also get themselves a loan if they need money to pay for their tuition fees. Again, Crezu can help you find a company that allows you to get a student loan in the Philippines. These loans are usually availed of by college students who need money.

Usually, loan companies will require a billing statement from the school to see how much the student needs to pay per semester. Also, loan companies will need to judge whether or not the student really needs the money or not.

To find out, they will typically ask for proof of the family’s total income. There are even some companies that require a co-signer (usually a parent or guardian). This increases the chances of approval and may also lower the interest rate.

Of course, each company has its own set of requirements so just choose the one that’s best for you.

How to Get an OFW Allottee Fast Loan

OFWs have a lot of benefits because they bring in a good amount of money into the Philippines through jobs that pay in higher currencies. Because of that, their families can get loans quite easily.

Even if the OFW is abroad, a relative (usually only the spouse or the children) may get an ofw loan fast release with no hassle. You can use Crezu to look for credit or loan companies that provide this type of service.

For you to get an OFW allottee loan, you will need the following:

  • Any government-issued ID (e.g. driver’s license or passport)
  • Passport of the OFW
  • Working Visa of the OFW
  • POEA-validated job contract
  • Employment Certificate of OFW
  • Proof of address
  • Proof of remittance of the allottee
  • Proof of relationship (marriage contract, birth certificate, etc.)

Once you provide these, you can get your loan approved rather quickly.

Do not pay more – Pay attention to deadlines

Before you get your fast loan, we’d like to remind you of the concept of interest. Interest is added to the amount that you pay every month along with your principal.

For instance, you may take up a loan of P100,000 with an interest rate of 4%. In let’s say a tenure of 24, you need to pay off that P100,000 per month plus 4% interest rate every month.

With that computation, your monthly deadline will amount to P4,167 (P100,000/24 months) plus P4,000 interest (P100,000 x 4%). Every month, you have to pay a total of P8167.

What most people don’t know is that there is a late payment fee. Usually around 3-6% of the overdue amount. So if you skip one month, you’ll need to pay the overdue amount plus 3% (or higher) and the next month’s amount.

The Dangers of Skipping Deadlines

As we mentioned above, there is usually a late payment fee that goes along with the fast loan. If you skip even one day, you have to pay that late payment fee. The danger of the late payment fee is that it compounds the longer you don’t pay your monthly dues.

Using the example we mentioned earlier, skipping one month of payment will land you a total payable of P16,579 in the next month. Let’s say you can’t pay in the next month again. This time, your late payment fee will increase because your overdue amount is higher. The month after, you will then need to pay the P16,579 plus a P498 late payment fee. Not to mention the fixed amount for that month as well. All in all, your payable for that month will amount to P25,243.

What should we take into account before taking Fast Loan?

We already talked about some of the factors that may affect your choice of a credit. In this section, we’ll go into deeper detail about those factors so that you can understand how to make an intelligent decision.

  • Number of requirements needed

Most loans online don’t have many requirements. They would just usually ask for the standard requirements we mentioned above.

  • Maximum amount allowed

The maximum amount you’re allowed to borrow depends on your credit score. The higher the score, the more you can borrow.

  • Speed of the process

For fast loans, it will usually take 1 to 2 working days to process. At most, it may take a week but that’s already rather long if you use Crezu.

  • Interest asked

Interest rates differ per loans. Interest rate is usually based on loan terms you choose and credit score.

Types of Loan Terms You Can Choose From

Loan term usually refers to the terms at which you make payment. A fast cash loan in the Philippines typically offers three loan term options that you can pick. These are the weekly, bi-weekly, and monthly terms.

The weekly term splits the total loan into weekly payments wherein you need to pay the lender every week with a weekly interest. Bi-weekly loans are the same but you have to pay every 2 weeks with a bi-weekly interest. For a monthly loan term, you need to pay every month with monthly interest.

What are the advantages of Fast Loan?

The great thing about a online credit is that it’s so easy to apply for. That being said, we also want to state some of the other advantages of getting a fast loan:

  • A fast loan usually has only a small number of requirements needed
  • Some fast loans can be gotten without credit score checks
  • Fast loans usually need an approval time of just a week or even less (sometimes even less than a day)
  • These loans don’t usually stretch too long as they are short term loans
  • Loans such as these allow you to get small amounts needed for emergencies
  • Not all fast loans have high-interest rates
  • The loan terms are usually very flexible and can be customized based on your individual needs
  • They are safe and secure provided that you get them from a reputable company


Now that you know more about fast loans, you’re now equipped with the necessary information needed to take one up. Whether it is an emergency situation or simply a need to pay off some important bills, short term fast cash loans can be very useful in alleviating the situation.

Like any other loan though, you must know what you’re getting yourself into. That’s why we mentioned some very important lessons with regard to fast cash loans in the Philippines. With the combination of this knowledge and the handy Crezu at your disposal, finding the right loans for you won’t be any trouble.

Crezu will be able to give you all the necessary information about loan options for various well-known loan companies. If you know how to manage loans, you’ll find all that information very valuable.

With all of these in mind, you’re now ready to get yourself a good loan to help you out with some payables.

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