Updated October 17, 2026 · SumCue Editorial Team
Credityes vs myKredit
Credityes
Higher score in this comparison
myKredit
Where Credityes and myKredit differ
| Compare | CredityesReviewVisitVisit | myKreditReviewVisitVisit |
|---|---|---|
| Loan amount | ₱1,000 to ₱25,000 | €600 |
| Term | 2 to 36 monthsHigher | 30 months |
| Funding time | A few minutes after confirmation | funds transferred within 10 minutes of approval |
| Eligibility | Resident of the Philippines, aged 18 to 75, with a personal bank account, phone number, email address and valid ID document | Adults with a valid DNI or NIE |
| Loan types | Personal | Payday |
| APR | 0% to 48% | Not confirmed |
| Arrangement fee | 0 PHP | Not confirmed |
| Credit check | Not confirmed | None |
| Representative example | 1,000 PHP for 3 months at 48% per year, commission 0 PHP, total repayable 1,120 PHP, APR 48% | Not confirmed |
| Lender type | Broker | Not confirmed |
| Use cases | Home improvement | Not confirmed |
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.
Key differences
- Credityes scores higher overall: 8.9 vs 8.1.
- Term is higher at Credityes: 2 to 36 months vs 30 months.
- Support channels: only Credityes offers Email, Help centre.
- Support channels: only myKredit offers Chat.
- Loan types: only Credityes offers Personal.
- Loan types: only myKredit offers Payday.
Our verdict on each
Credityes
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.
myKredit
A captured Spanish privacy-policy module identifies Trive Credit Spain, S.L. as the owner of the mykredit.es website and says the company operates under the trade name MyKredit.
Score breakdown
| Area | Credityes | myKredit |
|---|---|---|
| Cost | 9.9 | Not confirmed |
| Offer | 8.3HigherAPR of 0% to 48% with an origination fee of 0 PHP on personal loans of PHP 1,000 to PHP 25,000. | 8.1 |
| Trust | 8.5 | Not confirmed |
How they place
| Ranking | Credityes | myKredit |
|---|---|---|
| Loans | 12 of 2043 | 3 of 2043 |
Where each is licensed and available
Additional countries for Credityes: 1. Additional countries for myKredit: 1.
A third option
Sofkredit has term at 6 to 240 months, against 2 to 36 months for Credityes and 30 months for myKredit.
Sofkredit reviewWhere these facts come from
Credityes
- credityes.ph: 14 facts, checked September 26, 2026
myKredit
- mykredit.es: 8 facts, checked October 17, 2026
Every fact side by side
| Fact | Credityes | myKredit |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | SIA DOAFF (reg. No. 40203426084) | Not confirmed |
| Headquarters | Latvia | Not confirmed |
| Support channels | Email, Help centre | Chat |
Where each stands against the rest
| Fact | Credityes | myKredit | Median |
|---|---|---|---|
| APR | 0% to 48%lowest quarter | Not confirmed | 9.99 |
| Term | 2 to 36 monthsbelow the median | 30 monthsbelow the median | 60 |
Median across 1096 listed providers.
Pros and cons
Credityes
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
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
myKredit
Pros
- The captured policy identifies a website owner and trade name.
Cons
- The statement does not establish lending terms or regulatory status.
Who each suits
Credityes
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
myKredit
Who it suits
- Readers checking myKredit’s stated legal operator
Current offers
Credityes
Current offer
First period offer
First loan with APR starting from 0%: APR starting from 0% on the first loan
Offer depends on the partner lending institution selected; final cost set by the entity that enters the contract
Source, checked September 26, 2026
Country by country
| Country | Credityes | myKredit |
|---|---|---|
| Philippines | Yes | No |
| Spain | No | Yes |
Questions about each
Credityes
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.