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Creditnice review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Creditnice suits borrowers in the Philippines who need a small sum quickly, and its monthly rate of 1% to 2% sits well below the other lenders here. The trade-off is scale: the most you can borrow is PHP 2,000 to PHP 20,000, repaid over a term of 1 to 12.

Key facts

Best for
Small, fast, fixed-rate loans for Philippine borrowers with a thin credit file.
APR
1% to 2%↗
Loan amount
₱2,000 to ₱20,000↗
Term
1 to 12 months↗
Arrangement fee
0↗
Credit check
Hard↗
Funding time
Within 15 minutes↗
Representative example
30,000 Php at 4.5% per month for 3 months, repay 34,050 Php↗
Rate type
Fixed↗
Lender type
Broker↗
Eligibility
Ages 18 and over; applicants in the Philippines↗
Loan types
Credit-line, Debt-consolidation, Payday, Personal↗
Credit needed
Poor↗
Legal entity
ANG INTERNET FINANCE GROUP LLC↗
Headquarters
Ukraine↗
Support channels
Email, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
creditnice.ph

Facts checked September 26, 2026, 5 sources

Pros and cons

Pros

  • Rates are fixed, so the monthly repayment does not drift after you sign.
  • There is no origination fee, which matters when the loan itself is small.
  • Same-day funding is a headline feature: Within 15 minutes after approval.
  • Loans cover credit line, debt consolidation and payday, so consolidation and a reusable credit line sit alongside a one-off personal loan.

Cons

  • The credit check is hard, so a late payment or a thin file counts against you when you apply.
  • Support runs on email and help centre only, so a payment question gets answered in writing rather than on a call.
  • Creditnice works as a broker, so the lender you are matched with, and the rate it offers, can sit outside what you read here.
Creditnice

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Anyone in the Philippines who needs cash today rather than at the next payday.
  • Borrowers with a poor credit score who still want a predictable monthly cost.
  • People pulling several balances into one fixed repayment.

Who should look elsewhere

  • Cashspace, whose rates of PHP 12 to PHP 36 sit well above Creditnice's, suits borrowers who want a longer stretch.
  • Creduma ES, where the smallest loan is from €12,000, fits euro borrowers after a far bigger sum.
  • Sofkredit, whose rates of 10.74% to 18.06% sit above Creditnice's, serves a euro market rather than peso costs.

The company behind it

Creditnice sits under ANG INTERNET FINANCE GROUP LLC, with its base in Ukraine, so read the legal name on any agreement before you sign. Support runs on email and help centre, which means a help centre and email. That suits readers who are comfortable sorting out a repayment date or a fee in writing, and suits them less if they would rather talk a problem through.

How Creditnice compares

Where Creditnice is available

Available
Philippines

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to borrow from Creditnice?+

Interest runs at 1% to 2% a month and there is no origination fee. The rate is fixed, so the monthly repayment does not drift, and terms of 1 to 12 keep the schedule short. The published example is 30,000 Php at 4.5% per month for 3 months, repay 34,050 Php.

Who is behind Creditnice and how is it regulated?+

Creditnice works as a broker under the legal name ANG INTERNET FINANCE GROUP LLC, based in Ukraine. Because a broker passes your application on, the lender you finish with can differ from the brand name. Read the agreement and check the entity that will hold your debt before you sign.

How fast do I get the money?+

Same-day funding is a headline feature, and the stated wait is Within 15 minutes after approval. That is quick enough for a genuine emergency, but speed says nothing about price. Put 1% to 2% next to what another lender would charge before you commit to it.

What can I borrow for?+

Creditnice lends for several purposes: credit line, debt consolidation and payday. Consolidation suits you when several balances are chasing you and you want one fixed monthly cost. A credit line suits irregular spending, where a payday loan would be cleared in full at the end of the period.

Will I be accepted with a poor credit score?+

Creditnice is set up for borrowers with a poor credit score, so a thin file is not an automatic no. The trade-off is the hard credit check behind every application, which stays on your file. Expect the rate offered to sit above the 1% to 2% headline.

How much can I borrow, and for how long?+

Loans run from PHP 2,000 to PHP 20,000, with terms of 1 to 12. That is a small, short product rather than a major one, so it suits a bill or a gap between salaries, and it will not carry a car, a deposit or long study fees. Applicants must be adults in the Philippines.

How do I get help with a payment?+

Support runs on email and help centre, so you have a help centre and email to work with. Both routes are written, so keep your agreement and payment dates handy for the reply. Anything urgent about a missed payment is easier to sort with those references in front of you.

How does Creditnice compare with the other lenders here?+

On price Creditnice comes out cheapest: its rate is 1% to 2% a month against PHP 12 to PHP 36 at Cashspace and 10.74% to 18.06% at Sofkredit. On size it comes out smallest, since PHP 2,000 to PHP 20,000 is the ceiling and Creduma ES deals from from €12,000.

Sources

  • creditnice.ph/en checked September 26, 2026

    Backs: Features, Loan types, Pricing model, Arrangement fee, Rate type, Representative example

    “Get money on the day of application”

  • creditnice.ph/en/aboutus checked September 26, 2026

    Backs: Eligibility

    “The service is intended for persons over 18 years old”

  • creditnice.ph/en/contacts checked September 26, 2026

    Backs: Support channels

    “E-mail addresses: ifycredit@gmail.com”

  • creditnice.ph/en/faq checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Funding time, Term

    “At the first application, up to 2,000-4,000 Php is issued, but up to 10,000-20,000 Php is available to regular borrowers.”

  • creditnice.ph/en/tc checked September 26, 2026

    Backs: Credit check, Headquarters, Legal entity, Lender type

    “Credit checks and credit reference agencies help avoid fraudulent applications, so we ask you to consent to the use of your information”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Creditnice

Creditnice

Small, fast, fixed-rate loans for Philippine borrowers with a thin credit file.

8.9/10See alternatives