CreditSMS is a platform that aggregates various financial services, making it easy and quick for users in the Philippines to find the best loan offers. Our service is user-friendly, understandable, and accessible at any time.
CreditSMS acts as a comparison service and does not directly affect your credit score. However, when applying for loans through CreditSMS, lenders may conduct a credit check, which could temporarily impact your credit score.
Compare interest rates, repayment terms, and borrower requirements before signing any agreement. It is crucial to assess these factors to find a loan that best suits your needs.
The timeframe for loan approval may range from a few minutes to one business day, but you can find the exact timing on the lender’s website.
To obtain a loan, you must have:
You will receive a response via SMS to your phone or an email following your application.
No, you can secure a loan without a guarantor or collateral.
Contact the lender if you encounter difficulties in repaying the loan to discuss the possibility of extending the repayment period.
Reasons for loan denial may include incorrect information in the application, delayed payments, age not meeting the lender's requirements, multiple active loans, among others.
For questions about CreditSMS's service, please use our contact form.