Crezu Loan PH Review: Legit? Application Process, Interest Rates, and Contact Information [New Update]

The Philippines is a country of vibrant culture, beautiful landscapes, and a rapidly growing economy. However, like many nations worldwide, access to financial services and loans is crucial to addressing the financial needs of its citizens. Whether it’s for unexpected medical bills, car repairs, education, or just covering daily expenses, having a convenient and reliable source of financial support is invaluable.

The Need for Convenient Loans

The need for fast and accessible loans in the Philippines has led to the emergence of various financial platforms and apps that connect borrowers with lenders. These platforms are designed to simplify the loan application process, making it easier for Filipinos to access the funds they require quickly.

The Role of Crezu

One such platform making waves in the Philippines is Crezu. In this comprehensive review, CashLoanPH will delve into all aspects of Crezu Loan in the Philippines, aiming to provide you with a clear understanding of its legitimacy, application process, interest rates, and contact information. Whether you are exploring loan options or urgently need financial support, this review is your reliable source for all the essential details.

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Summary of Crezu Loan in the Philippines

Let’s begin with a concise summary of the key aspects of Crezu Loan in the Philippines:

Aspect Details
✅ Review: ⭐ Crezu Loan PH is a reputable and reliable lending service operating in the Philippines.
✅ Loan Amount: ⭐ Crezu offers loans ranging from ₱1,000 to ₱25,000.
✅ Age Requirement: ⭐ Eligibility extends from 18 to 70 years old.
✅ Loan Term: ⭐ You can choose a repayment period from 61 to 120 days.
✅ Interest Rate: ⭐ For first-time borrowers, Crezu offers an attractive 0% interest rate.
✅ Eligibility: ⭐ To qualify, you need to be a Filipino citizen.
✅ Advantages: ⭐ Crezu is known for its speedy loan approval and application process.
✅ Drawbacks: ⭐ The primary drawback is the relatively short payment term.
✅ Legitimacy: ⭐ Crezu is a legitimate service operating in the Philippines.
✅ Efficiency Rating: ⭐ Crezu has garnered a good reputation for its efficiency.
✅ Customer Feedback: ⭐ Feedback from Crezu customers is overwhelmingly positive.
✅ Email: ⭐ For inquiries and support, you can contact them at [email protected].
✅ Contact Number: ⭐ Their customer service number is +63 2 0533 0678.


 What is Crezu Loan?

Crezu: A Loan Comparison Website

Crezu is more than just another lending platform; it is a comprehensive loan comparison website that serves as a bridge between Filipinos in need of financial assistance and multiple lenders eager to provide it. The process is straightforward: by filling out a simple form, you can quickly receive multiple loan offers from different lenders within minutes. This approach allows you to select the loan that best fits your financial situation, budget, and repayment capabilities.

Loan Selection Process

To provide clarity, the maximum loan amount available through Crezu is ₱25,000, and you have the flexibility to choose a payment term that suits your financial situation, ranging from 61 to 120 days. This diversity allows you to select a loan tailored to your specific requirements, ensuring that your financial needs are addressed promptly and efficiently.

Is Crezu Loan Legit?

One of the most critical questions when considering a financial platform is its legitimacy. In the case of Crezu, the answer is unequivocally “Yes.” Crezu operates legally in the Philippines, and its registration number is 14523902. While Crezu is not registered with the Securities and Exchange Commission (SEC), it is essential to note that this is because Crezu does not function as a lender. Rather, it operates as a platform that connects borrowers with a network of lenders, helping individuals find the most suitable loan options tailored to their needs.

Advantages of Crezu Online Loan

Advantages of Crezu Online Loan

Crezu’s appeal as an online loan platform extends beyond its legitimacy. Several advantages make Crezu an attractive choice for those seeking financial support:

Accessibility for All Credit Histories: One of the standout features of Crezu is its non-reliance on traditional credit checks. Regardless of your credit history, you can apply for a loan through the Crezu app. This inclusivity is especially helpful for individuals with less-than-perfect credit.

0% Interest for First-Time Borrowers: Crezu’s partner lenders offer a microloan with a remarkable 0% interest rate for new clients. This makes Crezu an enticing option for those new to the platform, offering the opportunity to secure a loan without any interest or fees.

Quick Access to Funds: The Crezu platform is designed for speed and efficiency. Once you submit your loan request, the system processes it almost immediately, connecting you with the most suitable lender. This swift process ensures that you can access the funds you need without unnecessary delays.

Comparative Loan Offers: The Crezu loan app provides a transparent view of the interest rates, terms, and conditions offered by different lenders. This information allows you to make an informed choice, selecting the loan offer that aligns best with your financial needs and capabilities.

Data Security: Crezu takes data security seriously. Your personal information is encrypted to safeguard it from unauthorized access. Importantly, Crezu does not share your data with third parties without your explicit consent, ensuring your privacy is respected.

Availability 24/7: Financial emergencies don’t adhere to a 9-to-5 schedule. Crezu understands this, and its loan app operates 24/7. Whenever you require financial assistance, Crezu is there to help, even during non-traditional business hours.

No Service Fees: Submitting a loan request through Crezu’s online service is entirely free. There are no hidden fees or charges for using the platform, offering you a cost-effective way to explore your loan options.

Drawbacks of Crezu PH App

While Crezu offers many benefits, it’s essential to consider its drawbacks as well:

Loan Limit: Crezu’s maximum loan amount, which is ₱25,000, may not be sufficient for individuals with larger financial needs, such as major purchases or significant expenses.

Short Payment Term: Crezu’s payment term is relatively short, capped at 120 days (or four months). While this short term can be suitable for certain situations, it may not align with all borrowers’ preferences and needs.

Variability in Lender Terms: Crezu Philippines does not directly provide loans but acts as an intermediary between borrowers and lenders. As a result, the terms and conditions of loans can vary significantly depending on the lender you are matched with. It’s crucial to carefully review the terms of your specific loan offer.

Crezu Loan Requirements

To be eligible for a loan through the Crezu app, you need to meet specific requirements:

Be a Filipino Citizen: To qualify, you must be a Filipino citizen residing and working legally in the country. You’ll typically need to provide your ID card to verify your identity.

Age Requirement: Borrowers must fall within the age range of 18 to 70 years old. This age range complies with legal requirements for borrowing money in the Philippines.

Active Phone Number: A valid phone number is required for communication and verification purposes.

Active Bank Account: You must possess an active bank account to facilitate the loan transfer and repayment process.

Crezu Loan Interest Rate

Crezu PH connects you with a network of lenders who offer a range of interest rates, tailored to your profile and specific financial needs. The flexibility to compare and choose the best interest rate for you is a significant advantage. Interest rates on Crezu loans typically range from 12% to 36% APR, allowing you to find a rate that aligns with your budget and repayment capabilities.

Moreover, if you are a new customer, Crezu offers a special incentive: your first loan can come with a 0% interest rate. This introductory offer is a compelling reason for first-time borrowers to consider Crezu as a lending option.

Example of Crezu Fast Loan Interest Calculator

To better understand how interest is calculated on a Crezu loan, let’s consider an example. Suppose you want to borrow ₱15,000 for three months, and the interest rate is 20% per year. How much will you need to pay each month?

Monthly Interest Amount: The monthly interest amount is calculated as follows: ₱15,000 x (20% / 12) = ₱250.5.

Monthly Principal Amount: In this example, your monthly principal amount would be ₱15,000 divided by 3 (the three-month loan term), which equals ₱5,000.

Monthly Payment Amount: To determine your total monthly payment, you simply add the interest amount and the principal amount. In this case, it’s ₱250.5 + ₱5,000 = ₱5,250.5.

Therefore, you would need to pay ₱5,250.5 every month for a total of ₱15,751.5 over the three-month loan period.

How to Register a Crezu Loan Application?

For those interested in applying for a Crezu loan in the Philippines, the process is straightforward and user-friendly. Here’s a step-by-step guide to help you navigate the application process:


Step #1: Choose the Amount

  • Visit the Crezu website and select the amount you wish to borrow.
  • A convenient slider allows you to adjust the loan amount according to your specific financial needs.
  • Click on “Request your loan” to proceed to the next screen.

Step #2: Fill in Information

  • Provide your personal information, including your name, date of birth, phone number, and email address.
  • Ensure that the details you provide are accurate and valid, as they will be verified by the lenders.
  • Click on “Request your loan” to proceed to the next screen.

Step #3: Choose a Relevant Loan

  • Once you’ve filled in your information, you’ll be presented with a list of lenders matched to your loan request.
  • You can compare interest rates, fees, and repayment terms for each offer.
  • Select the loan that aligns best with your financial situation and click “Get money” to apply for it.
  • You’ll receive an SMS or email confirmation from the lender, and the loan funds will be sent to your bank account.

If you prefer a visual guide through the application process, you can watch a tutorial video provided by Crezu for a comprehensive understanding.

Crezu Loan Review and Client’s Feedback

To provide a real-world perspective on the Crezu loan experience, here’s a testimonial from a satisfied customer:

“I’m here to share my Crezu loan review with you. I applied for a loan of ₱10,000 on the website, and I got approved in just 14 minutes. I needed the money to pay for my car repair. The loan term was 3 months, and the interest rate was 0% for the first loan. They don’t charge any fees for their service, and they don’t care about your credit history. All you need is an ID, a phone number, and a bank account. I’m very happy with my experience with this application.”

Additionally, Crezu has received positive feedback from a range of content customers who found the platform to be a reliable and efficient solution for their financial needs.

How to Repay a Loan on Crezu App?

Repaying your Crezu loan is a straightforward process, and you have three convenient options to choose from:

Bank Transfer: You can transfer the amount due to the bank account of the lender who approved your loan. You’ll find the necessary bank details in the loan contract or on the lender’s website. This option offers a secure and direct repayment method.

E-Wallet: Another hassle-free repayment option is to use an e-wallet service such as GCash, PayMaya,, or GrabPay. Simply select the e-wallet option on the lender’s website or app, and follow the provided instructions for a smooth repayment process.

Cash Payment: If you prefer paying in cash, Crezu provides the flexibility to do so at partner outlets such as 7-Eleven, Cebuana Lhuillier, M Lhuillier, or Bayad Center. You can present your loan reference number and the amount due at the cashier, and you’ll receive a receipt as confirmation of your payment.

Crezu Loan Contact Number

If you ever need to contact Crezu’s customer service, you have several options at your disposal:

  • Company: Fininity Ltd.
  • Headquarters Address: Tartu Street 52/1-166, 10115, Tallinn, EE.
  • Philippines Address: 9th Floor, The Plaza Building, Paseo de Roxas, Makati City, Philippines.
  • Contact Number: +63 2 0533 0678
  • Email: For inquiries and support, you can reach Crezu at [email protected].

Compare Crezu Loan App to Other Apps in the Philippines

To provide a more comprehensive view of Crezu, let’s compare it to two other lending apps in the Philippines: SosCredit PH and Kviku Loan PH. Here’s a side-by-side comparison of key criteria:

Loan App Crezu PH SosCredit PH Kviku Loan PH
Loan Amount ₱1,000 – ₱25,000 ₱1,000 – ₱25,000 ₱1,000 – ₱25,000
Loan Term 61 – 120 days 3 – 12 months Up to 180 days
Age Requirement 18 – 70 years old 20 – 70 years old 20 – 55 years old
Interest Rate 12 – 36%/year 143% – 180%/year 0.16%/day
Bad Credit History Accept Accept Reject
Approval Time 5 minutes 5 minutes 15 minutes

This comparison highlights the distinct features and criteria of these three lending apps, allowing you to make an informed choice based on your specific financial needs and preferences.

FAQs – Crezu Loan App Review in the Philippines

To address some common questions about Crezu PH, here are responses to frequently asked questions:

Is Crezu SEC Registered?

Crezu does not need to register with the SEC because it does not engage in lending activities. Instead, Crezu operates as a service that assists borrowers in finding the best loan offers from a network of lenders, each with its terms and conditions.

Can I Get a Crezu Online Loan If I Have a Bad Credit History?

Yes, you can. Crezu functions as a platform that connects borrowers with lenders willing to provide loans to individuals with varying credit profiles. This inclusive approach means that even if you have a less-than-perfect credit history, you can explore your loan options through Crezu.

Does Crezu Charge Fees to Submit a Request?

No, Crezu does not charge any fees to submit a loan request. You can fill out the simple online form without incurring any additional costs, making it a cost-effective way to explore your loan options.


In this comprehensive review, we have delved into all aspects of Crezu Loan in the Philippines. From its legitimacy and application process to its interest rates, advantages, drawbacks, and contact information, we’ve aimed to provide a clear and comprehensive understanding of this platform. Whether you are considering your loan options or are in urgent need of financial support, this review serves as your reliable source for all essential details.

In the dynamic landscape of personal finance and lending, Crezu stands out as a platform that offers speed, accessibility, and an array of loan options to cater to the diverse financial needs of Filipinos. If you have any questions, concerns, or feedback, please feel free to leave a comment. Thank you for choosing CashLoanPH as your trusted source for financial insights, and we wish you the best in your financial endeavors.

Source: Crezu.PH

5/5 - (16 votes)

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