Clear financial information, right when you have to decide.

Who we are

Kredua is a free content portal about credit cards, personal loans and everyday money. In the Philippine edition we review products from universal and digital banks supervised by the Bangko Sentral ng Pilipinas and from lending and financing companies licensed by the Securities and Exchange Commission, explain their published conditions (annual fee, finance charge, add-on rate, annual contractual rate, fees, income and document requirements) and take you to the official website of each institution so that you make the application yourself, directly and with all the information. We are not a bank, a lending company or a financial institution: we do not issue cards and we do not grant loans.

What we do

We read the product page, the fee table and the Product Disclosure Sheet that each institution publishes, and we translate them into plain language. Every review tells you what the product offers, how much it costs in each way of using it and which profile it serves, with an honest opinion from the editorial team. When a figure is not public, we say so; when it changes, we update it.

We also publish financial education guides written for the Philippines: how the 3% monthly finance charge works, why paying the minimum amount due keeps you in debt, how to check your Credit Information Corporation report for free, how to verify that a loan app is SEC-registered or how much to keep in an emergency fund. And we offer free tests that, with four questions, point you towards the type of product that fits your situation.

How we sustain ourselves

Access to Kredua is free and will stay free. We do not charge a subscription to read the content or to use the tests, and we will never ask you for a payment, a deposit or a “processing fee” for any reason.

To keep the site running we show advertising on our pages and, in some cases, we may receive a commission from an institution or an affiliate network when you obtain a product through one of our links. That commission does not change what you pay or what we write: the review and the opinion are the same with or without a commercial agreement, and we always tell you that the link leads to the official website of the institution.

Who is behind Kredua

Kredua is a brand of RR Digital (CNPJ ), based in Brazil, which publishes this portal in Portuguese, Spanish and English. The Philippine edition is signed by the Kredua editorial team, with every text reviewed before publication and a visible date of last update. If you spot an error or an outdated figure, write to us: we correct it and we thank you for it.