Is Kreddy legit?
Yes. Kreddy's website is on the SEC list of recorded online lending platforms. It is run by Online Loans Pilipinas Financing Inc (SEC Reg. No. CS201726430, CA No. 1181). The SEC list dated Sep 29, 2026 records "Kreddy.ph". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, its website "Kreddy.ph" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Online Loans Pilipinas Financing Inc., CS201726430 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 1181 (as printed by Kreddy) | Its website |
| Price published | No rate on Kreddy's website | |
| Loan amount and term | ₱100,000 to ₱2,000,000, over 360 to 720 days | Its published terms |
Kreddy publishes no interest rate, so its cost shows only in the Disclosure Statement you get before you accept.
Next: ask Kreddy for its Disclosure Statement before you accept, or compare apps that publish their price. Official site: kreddy.ph.
Car-backed loan from Online Loans Pilipinas: the lender keeps your OR/CR until the loan is paid and the car stays with you. kreddy.ph opens this page.
Should you borrow from Kreddy?
You see Kreddy's price only after you apply; Pocketcash (Elending) publishes a maximum of ₱300 for ₱5,000 over 120 days.
Choose Kreddy if
- you want to spread payments over as long as 720 days.
- you need up to ₱2,000,000.
Skip Kreddy if
- you want a loan shorter than 360 days.
- you need less than ₱100,000.
- you want to know the cost before you apply: it publishes no rate.
Kreddy requirements, customer service and how to pay
- Requirements
- Passenger car or pick-up registered to you, not older than 10 years; One valid government-issued photo ID; Latest electric or water bill
- Not listed on its website
- Phone
- Not listed on its website
- Pay through
- The channels shown in the app for your loan
As Kreddy lists them on its website. Use only these channels or the app itself. Source
If you cannot pay Kreddy on time
On Kreddy loans above ₱10,000 or longer than four months, the penalty is whatever your contract and Disclosure Statement say; the SEC's 5% a month cap covers only smaller, shorter loans. Online Loans Pilipinas Financing Inc's collectors, and any agency it hires, may not post your details, threaten you, call before 6 a.m. or after 10 p.m., or message anyone in your contacts except the guarantors you named (SEC MC No. 18 s.2019).
If that fails, report Online Loans Pilipinas Financing Inc to the SEC on hotline 14732 or the iMessage portal, and report messages to your contacts to the National Privacy Commission at complaints@privacy.gov.ph. All eight prohibited collection practices.
Other apps from Online Loans Pilipinas Financing Inc
Online Loans Pilipinas Financing Inc runs 2 apps on the SEC list. They share one SEC registration and one Certificate of Authority, so a complaint about any of them goes against the same company.
- Online Loans Pilipinas listed as "Online Loans Pilipinas,", "Online Loans Pilipinas (Facebook page),", "Onlineloanspilipinas.ph,", "Online loans Pilipinas-Fastpeso cash lending app,"
This page covers Kreddy's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Kreddy first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Kreddy
Who owns Kreddy?
Online Loans Pilipinas Financing Inc (SEC Reg. No. CS201726430), which also runs Online Loans Pilipinas, per the SEC list dated Sep 29, 2026.
What are the requirements for Kreddy?
Kreddy lists: Passenger car or pick-up registered to you, not older than 10 years; One valid government-issued photo ID; Latest electric or water bill.
Does Kreddy call your contacts?
Online Loans Pilipinas Financing Inc may not contact anyone in your phone contacts except the guarantors or co-makers you named, even if you allowed access (SEC MC No. 18 s.2019, Sec. 1(h), issued Aug 19, 2019). Report it to the SEC on 14732.
Lowest-cost recorded apps for ₱5,000 over 120 days
No lender pays to appear on this site or to change its position.
- Pocketcash (Elending): at most ₱300 in interest and fees (18% a year × 120/360 days × ₱5,000 = ₱300 (interest and fees)); lends ₱1,000 to ₱50,000.
- Vplus: at most ₱300 in interest and fees (18% a year × 120/360 days × ₱5,000 = ₱300 interest); lends ₱1,000 to ₱50,000.
- Pesos.ph: at most ₱395 in interest and fees (24% a year × 120/365 days × ₱5,000 = ₱395 interest); lends ₱1,500 to ₱50,000.