Crezu Loan App Review: Online Lending Brokers Platform in the Philippines


In the dynamic world we live in, financial requirements frequently emerge without warning. Whether it’s for emergencies, personal expenses, or business investments, having access to quick and reliable financing is crucial. Crezu Loan is an online lending platform in the Philippines that aims to meet these needs by providing easy and convenient access to loans.

In thisย  review, CashLoanPH will delve into the details of Crezu Loan App, exploring its legitimacy, loan application process, loan conditions, interest rates, repayment options, customer feedback, and more. By the end of this article, you will have a comprehensive understanding of Crezu Loan and be able to make an informed decision about using their services.


Summary of Crezu Loan

To begin our review, let’s summarize the key aspects of Crezu Loan:

  • Review: Crezu Loan is an online lending service that caters to borrowers in the Philippines.
  • Guide to Applying Online: We will provide a step-by-step guide on how to apply for a loan through the Crezu Loan app.
  • Loan Amount: Crezu Loan offers loans ranging from 1,000 to 20,000 Pesos, allowing borrowers to choose the amount that best suits their needs.
  • Age Requirement: Applicants must be between 22 and 70 years old to be eligible for a Crezu Loan.
  • Loan Term: Crezu Loan provides flexible loan terms, ranging from 2 to 4 months, allowing borrowers to repay their loans comfortably.
  • Interest Rate: Crezu Loan offers a 0% interest rate for the first loan, making it an attractive option for first-time borrowers.
  • Pros: The Crezu Loan app is known for its user-friendly interface and easy application process.
  • Cons: Some users find the registration process to be slightly time-consuming due to multiple steps.
  • Effectiveness: Crezu Loan has proven to be effective in meeting the financial needs of thousands of borrowers.
  • Bad Debt: Crezu Loan is open to borrowers with bad debt, providing them with an opportunity to access funds when needed.
  • Feedback: Detailed customer feedback and reviews can be found in the full article.
  • Crezu App Download (APK): Interested borrowers can download the Crezu Loan app using the provided link.

What is Crezu Loan?

Crezu Loan is an online lending application developed by Fininity Ltd. The platform acts as an intermediary between borrowers and lending institutions, simplifying the loan application process and suggesting suitable loan partners. Crezu Loan offers personal loans ranging from 1,000 to 25,000 pesos, with loan terms varying from 61 to 120 days. By leveraging technology and digital solutions, Crezu Loan aims to provide a seamless and efficient borrowing experience for individuals in need of financial assistance.

Pros & Cons of Crezu Loan in the Philippines

Pros of Crezu Loan in the Philippines

Crezu Loan offers several advantages that make it a preferred choice among borrowers. Let’s explore the pros:

  • 24/7 Financial Services: Crezu Loan operates 24/7, ensuring borrowers can access their services at any time, day or night.
  • No Proof of Income Required: Unlike traditional lending institutions, Crezu Loan does not require borrowers to provide proof of income, making it easier for individuals without regular employment to apply for loans.
  • No Collateral Required: Crezu Loan offers unsecured loans, meaning borrowers are not required to pledge valuable assets as collateral.
  • Instant Processing: One of the key advantages of Crezu Loan is its quick loan processing time. The platform can suggest suitable lenders within 5 minutes of receiving a loan application, allowing borrowers to access funds promptly.
  • No Credit History Check: Crezu Loan does not consider a borrower’s credit history during the loan approval process. This opens up opportunities for individuals with less-than-perfect credit scores to obtain loans.
  • Minimal Requirements: To apply for a loan through Crezu Loan, borrowers only need a valid personal ID and a genuine bank account. This simplicity makes the application process accessible to a wide range of individuals.
  • Free Service: Crezu Loan provides loan assistance to over 300,000 customers without charging any fees, ensuring that borrowers can access funds without incurring additional costs.
  • High Browsing Rate: Crezu Loan boasts a high browsing rate of over 94%, indicating its popularity and reliability among borrowers.
  • Nationwide Support: Crezu Loan extends its services to all citizens within the Philippine territory, ensuring that individuals across the country can benefit from its financial assistance.
  • First Loan with 0% Interest: New customers applying for loans through Crezu Loan can enjoy a 0% interest rate for their first loan, making it an attractive option for those seeking cost-effective financing solutions.

Cons of Crezu Loan App

While Crezu Loan offers numerous advantages, it is important to consider the potential drawbacks. Here are some cons to be aware of:

  • Loan Limit: Crezu Loan has a relatively lower loan limit compared to other lending options, which may not be suitable for individuals with higher borrowing needs.
  • Short Payment Term: The loan repayment period for online loans in the Philippines tends to be shorter, which may result in higher monthly installment amounts. Borrowers should carefully assess their ability to meet these payment obligations before applying for a loan.
  • Higher Interest Rates: Crezu Loan’s interest rates are higher compared to unsecured loans offered by traditional banks. Borrowers should carefully evaluate the total cost of the loan before proceeding with their application.

Crezu Loan Interest Rate

The interest rates for Crezu Loan vary depending on the specific loan package and the borrower’s profile. Rates can range from 12% to 36% per year. However, for first-time borrowers, Crezu Loan offers a 0% interest rate, providing an incentive for individuals to choose Crezu Loan for their borrowing needs.

Example of Crezu Interest Rate Calculation

To illustrate how interest rates are calculated with Crezu Loan, let’s consider an example. Suppose a borrower applies for a Crezu Loan of 10,000 pesos with a term of 3 months and an interest rate of 12% per year (equivalent to 1% per month). Based on this information, we can calculate the monthly principal amount, the monthly interest payment, and the total amount to be repaid in one month.

The principal amount payable in one month would be calculated as follows: Principal Amount = Loan Amount / Loan Term Principal Amount = 10,000 pesos / 3 months Principal Amount = 3,333.3 pesos

The amount of interest payable in one month would be calculated as follows: Interest Payment = Loan Amount x Monthly Interest Rate Interest Payment = 10,000 pesos x 1% Interest Payment = 100 pesos

Therefore, the total amount that borrowers would need to repay in one month would be: Total Repayment Amount = Principal Amount + Interest Payment Total Repayment Amount = 3,333.3 pesos + 100 pesos Total Repayment Amount = 3,433.3 pesos

Crezu Loan Requirements

To apply for a loan through Crezu Loan, borrowers must meet certain requirements. These requirements typically include:

  • Filipino Citizenship: Applicants must be Filipino citizens to be eligible for Crezu Loan.
  • Age Limit: Borrowers must fall within the age range of 22 to 70 years old.
  • Valid Personal ID: A valid personal ID is required to verify the borrower’s identity.
  • Genuine Bank Account: Borrowers must have a genuine bank account to receive loan disbursementsand make repayments.
  • First Crezu Loan: For the first loan, borrowers need to provide personal information and verify their ID against the registered information. The Crezu Loan system will then suggest reputable and suitable lending partners within 5 minutes. Borrowers can choose the most suitable lender, complete the registration process, and sign a contract to receive the loan disbursement.
  • Crezu 2nd Loan: Returning borrowers only need to log in to their Crezu account. As their personal information is already stored in the system, Crezu Loan will immediately suggest suitable loan services for them.

Guide to Crezu Loan Application Step-by-Step

To ensure a smooth loan application process through Crezu Loan, borrowers can follow these step-by-step instructions:


  • Step #1: Go to Crezu’s loan application page by accessing their website through the provided link: Crezu Website
  • Step #2: Choose your desired loan limit by adjusting the slider according to your specific borrowing needs. Once you have determined the loan amount, click “Request your loan.”
  • Step #3: Fill out the required information on Crezu’s inquiry form, including your name, date of birth, phone number, and email address. Take the time to carefully review and agree to the terms and conditions of the loan application. Finally, click “Request your loan” to proceed.
  • Step #4: After submitting your information, the Crezu Loan system will search for and suggest the most suitable lenders based on your provided details. Take the time to review the loan limit, term, approval rate, and loan approval time of each lender. Choose the lender that best aligns with your borrowing preferences.

Click “Get money” to proceed with your loan application. The system will notify you once your loan is approved, and the disbursed amount will be transferred directly to your designated bank account.

Reviews and Feedback on Crezu Online Loan App

Customer feedback and reviews play a crucial role in evaluating the credibility and reliability of a lending platform. Over 86% of customers who have borrowed from Crezu Loan have continued to apply for loans through the platform, indicating high levels of customer satisfaction. Here are a few excerpts from customer reviews:

  • “Crezu Loan made the loan application process so easy and convenient. I received the funds quickly and was able to meet my financial needs.”
  • “I appreciate Crezu Loan’s 0% interest rate for the first loan. It helped me manage my expenses without worrying about additional costs.”
  • “The Crezu Loan app is user-friendly, and the customer support team is responsive and helpful.”

These reviews highlight the positive experiences borrowers have had with Crezu Loan.

Crezu Loan Repayment Options

Crezu Loan offers borrowers various repayment options to ensure flexibility. Here are some common methods for repaying a Crezu Loan:

  • Bank Transfer: Borrowers can transfer the full repayment amount to the lender’s account using the provided account number and following the specified instructions.
  • E-Wallet Payment: Loan payments can be made through popular e-wallet applications such as GCash and ShopeePay. Simply search for the lender’s name and enter the loan invoice number to complete the transaction.
  • Cash Payment at Payment Centers: Crezu Loan also allows borrowers to make cash payments at various payment centers, including 7-Eleven, Palawan Express, Bayad, MLhuillier, and Cebuana Lhuillier.

These repayment options offer convenience and accessibility for borrowers.

Comparison of Crezu Loan App with Other Loan Apps in the Philippines

To provide a comprehensive perspective, let’s compare Crezu Loan with two other popular loan apps in the Philippines: Pesoredee App and Digido App. The table below outlines the differences in loan limits, interest rates, loan durations, age requirements, and browsing times for each platform.

Comparison Criteria Crezu App Pesoredee App Digido App Loan Limits 1,000 – 25,000 pesos 1,000 – 30,000 pesos 500 – 30,000 pesos Interest Rates 1% – 3% per month 12% per month 12% per month Loan Durations 2 – 4 months 3 – 6 months 3 – 6 months Age Requirements 22 – 70 years old 22 – 70 years old 21 – 70 years old Browsing Time 5 minutes 10 minutes 5 minutes


Select online loans that come with the best terms and conditions, ensuring a card without any rejections. Numerous companies provide an initial loan at 0% interest and ensure swift money transfers, making them perfect for urgent financial needs.

Lender Loan Product Detail


Popular - 0% first loan


  • First Loan Range (PHP): 1000 - 10000
  • Maximum Loan Amount (PHP): 25000
  • Loan Period (days): 62 - 365


Fast Approve - 0% first loan


  • First Loan Range (PHP): 500 - 20000
  • Maximum Loan Amount (PHP): 20000
  • Loan Period (days): 62 - 365

OLP Loan

Hot Offer - 0% first loan


  • First Loan Range (PHP): 1000 - 7000
  • Maximum Loan Amount (PHP): 20000
  • Loan Period (days): 62 - 365

Finbro PH

Hot - 0% first loan


  • First Loan Range (PHP): 1000 - 15000
  • Maximum Loan Amount (PHP): 50000
  • Loan Period (days): 62 - 365


Express Loan - 0% first loan


  • First Loan Range (PHP): 1000 - 10000
  • Maximum Loan Amount (PHP): 20000
  • Loan Period (days): 62 - 365


New - 0% first loan


  • First Loan Range (PHP): 1000 - 10000
  • Maximum Loan Amount (PHP): 25000
  • Loan Period (days): 62 - 365

Note: Please note that the information provided is subject to change.

Crezu Loan Contact Information

For borrowers who may have questions or require further assistance, here is the contact information for Crezu Loan:

Company: Fininity Ltd Registration Number: 14523902 Address: Tartu Street 84a, Tallinn, 10112, Philippines Crezu Loan Contact Number: 09376530921

FAQs – Crezu Loan App in the Philippines

To address common questions and concerns, here are answers to frequently asked questions about Crezu Loan:

  • Is Crezu Loan Legit? While Crezu Loan is not certified by the Securities and Exchange Commission, its parent company, Fininity Ltd, operates legally with a valid registration number of 14523902. Therefore, borrowers can have confidence in the safety and legitimacy of Crezu Loan.
  • Is Crezu SEC Registered? Crezu Loan has not obtained SEC registration as it operates as an intermediary lender, connecting individuals in need of fast online loans with online financial support companies. Crezu Loan functions as a facilitator rather than a direct lender or financial institution.
  • What is Crezu Loan? Crezu Loan is an online lending platform developed by Fininity Ltd. By collecting the necessary borrower information, Crezu Loan suggests suitable loans from reliable financial partners within just 2 minutes.

Conclusion – Should You Apply for a Crezu Loan in the Philippines?

If you find yourself in need of fast and convenient online loans with quick disbursement, Crezu Loan may be a suitable option. With its user-friendly app interface, easy application process, and positive customer feedback, Crezu Loan provides a reliable platform for borrowers in the Philippines.

However, borrowers should carefully consider the loan terms, interest rates, and repayment obligations before proceeding with their application. By being well-informed and understanding your financial needs, you can make an educated decision about whether Crezu Loan is the right choice for you.

5/5 - (6 votes)
CashLoanPH Changed status to publish 07/07/2023