Crezu is an online service in the Philippines that does not issue loans directly, but acts as an intermediary between users and licensed microfinance companies. Its main function is to quickly select the best available lending options for the user based on a completed questionnaire. After entering basic data (such as age, source of income and desired amount), the system analyzes the partner offers within a few minutes and provides a personalized list of lenders ready to provide a loan.

The amounts that can be obtained through Crezu partner companies vary with repayment terms from 61 to 120 days. The interest rate is set not by Crezu itself, but directly by the lenders, and can reach about 1% per day. Some partners offer 0% on the first loan for new customers https://loans-online.ph/crezu/

Crezu works 24/7, and the entire procedure — from filling out the form to receiving approval — is done online, without the need to provide income certificates or collateral. The service is free for users, but it is important to remember that Crezu itself is not an SEC-registered lender, so the specific financial institution you choose from the list is responsible for the terms and performance of the agreement.