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Credityes 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

Credityes suits Philippine residents who want a small personal loan without an upfront fee, and money can reach them A few minutes after confirmation. The catch is the top of the rate range and short maximum term, so check the annual percentage cost on your own offer before you commit.

Key facts

Best for
Philippine residents needing a small personal loan for home improvement with no origination fee.
APR
0% to 48%↗
Loan amount
₱1,000 to ₱25,000↗
Term
2 to 36 months↗
Arrangement fee
0 PHP↗
Funding time
A few minutes after confirmation↗
Representative example
1,000 PHP for 3 months at 48% per year, commission 0 PHP, total repayable 1,120 PHP, APR 48%↗
Lender type
Broker↗
Eligibility
Resident of the Philippines, aged 18 to 75, with a personal bank account, phone number, email address and valid ID document↗
Loan types
Personal↗
Use cases
Home-improvement↗
Legal entity
SIA DOAFF (reg. No. 40203426084)↗
Headquarters
Latvia↗
Support channels
Email, Help-centre↗
Features
Same-day funding
Official website
credityes.ph

Facts checked September 26, 2026, 2 sources

Pros and cons

Pros

  • Origination fee of 0 PHP on personal loans, so there is no charge to set one up
  • APR runs from 0% to 48%, so a lower cost is possible depending on the offer you are given
  • Loan amounts of PHP 1,000 to PHP 25,000 keep the balance small and repayable
  • Funding lands A few minutes after confirmation, so a home improvement bill can be covered without delay
  • Terms of 2 to 36 let you pick a shorter or longer repayment window

Cons

  • The top of the APR range is high, so the cost depends heavily on the rate you are offered
  • Terms top out at 2 to 36, which limits how far a larger balance can be stretched
  • Phone is not among its support channels (email and help centre), so help is written rather than spoken
  • Credityes works as a broker, so the lender applying the 0% to 48% is not named in the terms
Credityes

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Philippine residents with a personal bank account, valid ID, email and phone who are planning home improvement work
  • Borrowers who want a small fixed amount rather than a revolving credit line
  • Adults who need a decision and money movement quickly, since funding is A few minutes after confirmation

Who should look elsewhere

  • Borrowers who need a phone line, since support runs on email and help centre only
  • Anyone wanting longer terms than 2 to 36 to keep monthly payments low
  • Readers comparing euro loans, since these are personal loans in a single market

Rates and costs

The annual percentage cost on Credityes runs from 0% to 48%, so the rate you pay depends on the offer you receive. The origination fee is 0 PHP on personal loans, which means setting one up costs you nothing on the fee line. Their worked example takes a small personal loan over a short term at the top of the range, with a commission of nothing and a total repayable well above the amount borrowed, so the cost of borrowing is clearest on the example rather than the headline. The spread between the low and high end of 0% to 48% is wide, and a good credit profile is what pulls an application towards the lower figure. Loan amounts of PHP 1,000 to PHP 25,000 keep the whole balance within reach of monthly income.

Deposit protection

Credityes is a broker, not the company that lends to you, which is the first thing to weigh when money is involved. Their own terms name the operating entity as SIA DOAFF (reg. No. 40203426084), and that entity is the one your application is with. Their worked example shows a commission of nothing on the personal loan, which means no separate arrangement charge is added to what you repay. What the example does not cover is a deposit protection scheme, so the safety of repayments rests on the lender that ends up funding you and on your own discipline. Read the loan offer carefully to see which lender the rate and term are attached to before you sign.

Application and funding speed

Speed is the strongest part of the offer. Funding is A few minutes after confirmation, and same day funding is listed as a feature of the service, so an approved application does not sit waiting. Loan amounts of PHP 1,000 to PHP 25,000 mean the application is a modest one to assess, and terms of 2 to 36 give you a choice of shorter or longer repayment. Eligibility is straightforward for anyone in the Philippines: you need a personal bank account, a phone number, an email address and a valid ID document. The pattern that suits this service is a planned home improvement cost you need settled this week rather than an ongoing shortfall.

The company behind it

The company behind the service is SIA DOAFF (reg. No. 40203426084), registered in Latvia, and it operates as a broker rather than as the lender itself. That structure means the terms you accept set out which partner company provides the credit, so read them at the point of application. On getting hold of them, support runs on email and help centre, so questions are handled in writing and through the help centre rather than by phone. The stated use for the money is home improvement, which keeps the service aimed at renovation and repair spending rather than general borrowing.

How Credityes compares

Where Credityes is available

Available
Philippines

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

Frequently asked questions

What does it cost to take a personal loan from Credityes?+

The origination fee is 0 PHP on personal loans, so there is no upfront charge to arrange one. What you pay is the interest itself, with an APR running from 0% to 48%. Their worked example shows the total repayable clearly against the amount borrowed, which is the figure to focus on.

How much can I borrow and for how long?+

Loan amounts run PHP 1,000 to PHP 25,000 and terms run 2 to 36, which gives you a fairly wide choice on the repayment window. The smallest loans are suited to a single repair rather than a full renovation. The maximum term is the constraint for anyone hoping to keep monthly payments low.

Is Credityes regulated, and who am I actually dealing with?+

Credityes works as a broker, and the operating entity named in the terms is SIA DOAFF (reg. No. 40203426084). That means the company you apply to is not necessarily the company that funds the loan. The loan offer you accept should set out the lender behind the rate and term.

How quickly will I get the money?+

Funding reaches you A few minutes after confirmation, and same day funding is listed among the service features. That makes it practical for a home improvement bill that has to be settled this week. You will need a personal bank account for the money to land in.

Who can apply?+

Eligibility covers residents of the Philippines within a set age range, and you need a personal bank account, a phone number, an email address and a valid ID document. Applications are assessed on your own file, so a steady income record helps more than a second applicant would.

How do I get help if something goes wrong?+

Support runs on email and help centre, and phone is not among those channels, so you reach the team by email or through the help centre. Written contact suits a question that can be set out in full, and the help centre is the place to check before you apply. Keep your own record of anything you send.

What can I use the loan for?+

The listed purpose is home improvement, and personal covers personal lending rather than a revolving credit line. That suits a specific, planned cost such as a repair or renovation rather than a rolling month to month shortfall. Borrowing for an ongoing cost would not match the stated use.

Sources

  • credityes.ph checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Features, Funding time, Loan types, Arrangement fee, Representative example, Term, Use cases

    “The minimum loan amount is 1,000 PHP, and the maximum amount is 25,000 PHP.”

  • credityes.ph/terms-and-conditions checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Support channels

    “Mednieku iela 4A, Riga, Latvia, LV-1010”

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Related by the facts

Credityes

Credityes

Philippine residents needing a small personal loan for home improvement with no origination fee.

8.9/10Visit