Is Kredivo legit?
Yes. Kredivo is on the SEC list of recorded online lending platforms. It is run by Kredivo Philippines Lending Corp (SEC Reg. No. CS201905678, CA No. 1323). The SEC list dated Sep 29, 2026 records it as "Kredivo PH (Formerly Advantage Lending Corp)". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Kredivo PH (Formerly Advantage Lending Corp)" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Kredivo Philippines Lending Corp., CS201905678 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 1323 (as printed by Kredivo) | Google Play, updated Aug 20, 2026 |
| Price published | Yes: 0% to 3.99% a month; APR 0% to 115%. | Google Play, updated Aug 20, 2026 |
| Loan amount and term | Up to ₱50,000 | Google Play, updated Aug 20, 2026 |
| Google Play rating | 4.5 of 5 from 3,577 ratings, 500K+ installs, as of Oct 2, 2026 | Google Play, updated Aug 20, 2026 |
On ₱5,000 for 120 days, Kredivo's published terms come to at most ₱798 in interest and fees: interest of 3.99% a month and an all-in cost of 6.2% a month, higher because you repay in instalments but pay interest on the original amount the whole time. Kredivo on Google Play, updated Aug 20, 2026
Working: 3.99% a month × 120/30 × ₱5,000 = ₱798 interest. The all-in rate is the monthly rate at which 4 payments of ₱1,450 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Within the SEC caps for this loan: interest 3.99% a month against the 6% cap; all-in 6.2% a month against the 12% cap (SEC MC No. 14 s.2025, effective Apr 1, 2026). SEC MC No. 14 s.2025
Next: check the worked Disclosure Statement below, then compare Kredivo with the other recorded apps, or get it from its official Google Play listing.
Kredivo interest rate and what you pay back
0% to 3.99% a month; APR 0% to 115%.
- You pay back
- ₱5,000 to ₱5,798
- Cash you receive
- ₱5,000
- Interest and fees
- ₱0 to ₱798
- Interest a month, at most
- 3.99%
- All-in cost (EIR) a month, at most
- 6.2%
- Share of the loan
- 16%
Terms from Kredivo's Google Play listing, updated Aug 20, 2026. Documentary stamp tax on a ₱5,000 loan for 120 days is about ₱12.33 (NIRC Sec. 179); check whether the Disclosure Statement passes it on. DST calculator Source
Kredivo Disclosure Statement, worked out: ₱5,000 for 120 days
Kredivo must give you this statement in writing before the loan is made (RA 3765, the Truth in Lending Act, Sec. 4). These are the figures it should show at its published maximum; if yours differ, ask why before you accept.
| Figure | Inputs | Rule | Result |
|---|---|---|---|
| Amount financed | ₱5,000 borrowed, nothing taken off | RA 3765 Sec. 4(5) | ₱5,000 |
| Interest | 3.99% a month × 120/30 × ₱5,000 | Kredivo's published maximum | ₱798 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱798 |
| Late penalty, at most | 5% × ₱5,798 due | SEC MC No. 14 s.2025 Sec. 3 | ₱290 a month |
| All charges together, at most | 100% × ₱5,000 | SEC MC No. 14 s.2025 Sec. 3 | ₱5,000 |
| Documentary stamp tax on the loan | ⌈₱5,000 ÷ ₱200⌉ × ₱1.50 × 120/365 | NIRC Sec. 179, as amended by RA 10963 | ₱12.33 |
| Owed to you if the statement leaves one out | Greater of ₱100 or 2 × ₱798, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱1,596 |
Should you borrow from Kredivo?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱498 less than Kredivo's published maximum of ₱798.
Choose Kredivo if
- you borrow ₱10,000 or less for up to four months: its published maximum stays within the SEC caps.
- you need up to ₱50,000.
Kredivo requirements, customer service and how to pay
- Requirements
- Not listed on its Google Play listing
- support.ph@kredivo.com
- Phone
- (+632) 8841 7920
- Pay through
- The channels shown in the app for your loan
As Kredivo lists them on its Google Play listing, updated Aug 20, 2026. Use only these channels or the app itself. Source
If you cannot pay Kredivo on time
If all ₱5,798 of a ₱5,000, 120-day Kredivo loan fell due unpaid, the penalty could be at most ₱290 a month, and interest, fees and penalties together could never pass ₱5,000. Kredivo Philippines Lending Corp'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).
Complain to Kredivo first at support.ph@kredivo.com or (+632) 8841 7920. If that fails, report Kredivo Philippines Lending Corp 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.
This page covers Kredivo's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Kredivo first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Kredivo
Who owns Kredivo?
Kredivo Philippines Lending Corp (SEC Reg. No. CS201905678), per the SEC list dated Sep 29, 2026.
What is Kredivo's interest rate?
Kredivo states (Kredivo's Google Play listing, updated Aug 20, 2026): "0% to 3.99% a month; APR 0% to 115%." On ₱5,000 for 120 days: interest of 3.99% a month and an all-in cost of 6.2% a month, higher because you repay in instalments but pay interest on the original amount the whole time.
What is Kredivo's customer service number or e-mail?
Phone: (+632) 8841 7920. E-mail: support.ph@kredivo.com. As listed by Kredivo (Kredivo's Google Play listing, updated Aug 20, 2026).
Does Kredivo call your contacts?
Kredivo Philippines Lending Corp 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). Raise it with Kredivo at support.ph@kredivo.com, then the SEC on 14732.
Cheaper than Kredivo 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.