Credify – loan
Online loans up to ₱25,000 with simple requirements
Applying does not commit you to any contract.
Credify is a loan comparison platform in the Philippines that connects borrowers with multiple lending partners. Instead of applying to a single lender, you submit one application and receive offers from several companies, allowing you to choose the best rate and terms for your situation.
The platform is ideal for Filipinos who want to explore their options quickly without the hassle of submitting multiple applications. Loan amounts up to ₱25,000 are available, and the comparison process takes only minutes. All partner lenders are SEC-registered and follow responsible lending practices.
Using Credify is free of charge — the platform earns a referral fee from lenders when a loan is issued. This means you get unbiased comparison and access to exclusive rates that may not be available if you apply directly. Whether you have good credit or a limited credit history, Credify finds options suitable for your profile.
✓ Pros
- Small loan amounts starting from ₱1,000 – ideal for short-term needs
- Fast same-day approval (24 hours)
- Fixed interest rate makes repayment planning straightforward
- Fully digital application – no branch visit required
✗ Cons
- Short loan terms may result in higher monthly payments
- Interest rates higher than traditional bank loans
- Late payment fees and penalties may apply if payment is missed
Loan example
Example: Borrow ₱13,000 for 12 months at 10.00% per month = approx. ₱1,907.92 monthly payment. Total repayable: ₱22,895.08.
Loan requirements
- ✓ Valid government-issued ID (SSS, GSIS, PhilHealth, driver's license, or passport)
- ✓ Active mobile phone number registered in your name
- ✓ Active bank account or e-wallet (GCash or Maya) for loan disbursement
- ✓ Age requirement: 21-60 years old
Loan features
- Loan amounts: ₱1,000 to ₱25,000
- Repayment term: 3 to 12 months
- Approval time: 24 hours
- Funds disbursed via GCash, Maya, or bank transfer
- Application available 24/7 through app or website
Frequently asked questions
24 hours after submitting the application.
The minimum amount at Credify is ₱1K.