Cepat Kredit Financing Inc. is a Philippine financing company specializing in personal loans for Overseas Filipino Workers and seafarers. The company operates under the Cepat Kredit brand and provides financing to qualified borrowers in the Philippines and abroad.
Its main products are:
Cepat Kredit advertises loan limits of up to ₱700,000 for OFWs and up to ₱1 million for seafarers. Applications can be submitted online, through a branch, through the company’s official Facebook page or with the assistance of a verified Cepat Kredit loan consultant.
The company’s confirmed consumer brand is Cepat Kredit.
The legal company name, brand name and financing portal use closely related names:
No separate lending brand operated by the company was confirmed in current official materials.
The SEC’s recorded list of financing companies and online lending platforms connects Cepat Kredit Financing Inc. with the Cepat Kredit website and the same corporate registration details.
Cepat Kredit appears to be an active financing company.
Its current website publishes updated OFW and seafarer loan conditions, a branch directory, an online application portal and customer-service contacts. The company states that it has served more than 72,900 accounts and has a loan portfolio exceeding ₱1.8 billion.
Cepat Kredit Financing Inc. also appeared in the Credit Information Corporation’s May 2025 registration list at the testing stage of the CIC onboarding process. This indicates regulatory participation, although the May 2025 document did not yet classify the company as a submitting entity in production.
Cepat Kredit divides its products according to the borrower’s occupation and current location.
This product is intended for land-based OFWs who are:
A co-borrower is required and should generally be an immediate relative or another qualified person connected with the OFW.
This product is intended for OFWs who are already working overseas.
For this structure, the qualified beneficiary or remittance recipient in the Philippines becomes the principal borrower, while the OFW abroad is treated as the co-borrower.
This product is intended for seafarers who:
The allottee or beneficiary receiving the seafarer’s allotment may become the principal borrower.
This product is intended for seafarers who have already boarded a vessel and are currently deployed.
The allottee or remittance beneficiary in the Philippines becomes the principal borrower, while the seafarer serves as the co-borrower.
The current product page publishes the following conditions:
The product page states that the maximum amount is the lower applicable limit based on the borrower’s salary assessment and the ₱700,000 product ceiling. It currently refers to a limit of up to 150% of total monthly salary.
However, the current FAQ separately states that a land-based Personal OFW Loan may reach up to 200% of monthly salary. Because the two official pages are inconsistent, applicants should confirm the applicable salary multiplier in their written offer.
The current OFW Loan Abroad page publishes:
The OFW must already be abroad and must have a qualified beneficiary or remittance recipient in the Philippines.
The current Seaman’s Loan Personal page publishes:
The seafarer should normally have a contract lasting at least three months. A shorter contract may still be submitted for individual approval.
The current Seaman’s Loan Onboard page publishes:
The seafarer should generally have at least two months remaining on the employment contract. For hotel and catering positions, the company requires at least three months remaining.
| Product | Maximum amount | Salary-based limit | Term | Published monthly interest |
|---|---|---|---|---|
| OFW Loan Personal | ₱700,000 | 150% on product page; 200% in FAQ | Up to 12 months | 2.5%, or from 1.99% for PRC professionals |
| OFW Loan Abroad | ₱700,000 | Up to 150% | Up to 12 months | 2.5%, or from 1.99% for PRC professionals |
| Seaman’s Loan Personal | ₱1 million | Up to 250% | 3–12 months | 2.5% for non-officers; 1.99% for officers |
| Seaman’s Loan Onboard | ₱1 million | Up to 200% | 3–12 months | 2.5% for non-officers; 1.99% for officers |
The maximum amount is not guaranteed. The approved principal may be lower because of income, contract length, remittance history, existing debts or the company’s credit assessment.
Cepat Kredit publishes monthly interest rates rather than a complete standard APR table.
A monthly rate of 1.99% or 2.5% is not sufficient on its own to determine the final borrowing cost. The actual total may depend on:
Applicants should request a Disclosure Statement showing:
The company states that neither its employees nor its loan consultants charge a fee simply to submit a loan application.
This does not necessarily mean that an approved loan has no processing, documentary or other disclosed charges. The complete cost must be checked in the individual contract.
A land-based OFW applicant should generally meet the following conditions:
For an OFW already abroad, the company also requires a remittance history averaging at least ₱10,000 per month.
A seafarer should generally meet the following conditions:
Officer positions may qualify for the lower published monthly interest rate of 1.99%.
Cepat Kredit requires a co-borrower or Philippine principal borrower for its OFW and seafarer products.
Depending on the loan, the person may be:
The Philippine borrower or co-borrower should generally be between 21 and 59 years old.
The company may request:
The principal OFW may need to provide:
The co-borrower may need:
For an OFW already abroad, the company may request:
The Philippine principal borrower may need:
The seafarer may need:
The co-borrower or allottee may need:
For an onboard seafarer, the company may request:
The Philippine principal borrower may need:
Cepat Kredit’s FAQ lists the following primary IDs:
Examples of secondary IDs include:
The required combination depends on the selected product and the applicant’s circumstances.
The company lists the following examples:
When the bill is not in the applicant’s name, additional proof of residence may be accepted, such as:
The applicant should first determine whether the application concerns:
The requirements, borrower structure and salary multiplier differ between these products.
Cepat Kredit provides four application channels:
A loan consultant should not charge an application fee.
The applicant enters the requested personal, employment, contract and income information.
The Philippine co-borrower, allottee or beneficiary must also provide the required information and documents.
The applicant should provide clear and current copies of:
Incomplete requirements can delay the assessment.
Cepat Kredit may verify:
The company retains the right to approve, reduce or decline an application.
Before signing, the borrower should check:
The Disclosure Statement and financing agreement take priority over general figures published on the website.
After approval, the borrowers complete the required agreement and disbursement process.
The precise release method is not fully described on the public product pages and should be confirmed with the assigned Cepat Kredit representative.
The official website provides two different processing estimates.
The homepage states that approval may take approximately one to three days. The FAQ states that the company aims to provide approval within one day after all complete requirements have been submitted.
These are estimated service periods rather than guaranteed deadlines.
Processing may take longer when:
Cepat Kredit provides a mobile application that existing and prospective customers can use to access loan services.
The company’s FAQ states that customers can use the application to:
To track an account, the customer enters the Loan Application ID and date of birth.
The official website promotes downloads through Google Play and Huawei AppGallery. Recent official social-media materials also refer to Apple App Store availability, but an independently verifiable Philippine App Store page was not located during this review.
Customers should follow only the application links published by Cepat Kredit’s official website or verified social-media account.
Cepat Kredit states that customers can obtain their payment-reference number from the mobile application.
The FAQ expressly identifies:
For borrowers or family members outside the Philippines, the company states that payments may also be made through iRemit locations in:
The borrower should use only the payment instructions shown in:
Money should not be sent to an unidentified personal bank account or e-wallet.
The public website does not publish a complete standard early-settlement policy.
A borrower planning to settle the loan before maturity should request a written calculation containing:
The account should not be considered closed until Cepat Kredit confirms that the balance is zero.
The public product pages do not publish one universal late-payment penalty.
The financing agreement should specify:
Borrowers expecting repayment difficulty should contact Cepat Kredit before the due date and request any proposed arrangement in writing.
Cepat Kredit operates a head office in Pasig and publishes branches and partner hubs across:
The branch directory includes local phone numbers and email addresses for individual offices. The current head-office schedule is Monday to Friday from 9:00 a.m. to 6:00 p.m. and Saturday from 9:00 a.m. to 7:00 p.m.
Applicants should verify the current branch address before travelling.
Company: Cepat Kredit Financing Inc.
Brand: Cepat Kredit
SEC Registration Number: CS201909976
Certificate of Authority Number: 1223
Certificate of Authority date: August 13, 2019
The company remained included in the SEC list of registered financing companies dated August 31, 2024. The SEC also previously listed the Cepat Kredit online platform under the same company, registration number and authority number.
The Certificate of Authority confirms that the company is authorized to operate as a financing company. It does not guarantee approval, the maximum amount or the lowest advertised interest rate.
Company: Cepat Kredit Financing Inc.
Brand: Cepat Kredit
Company and product website: www.cepatkreditfinancing.com
Application and customer portal: www.cepatkredit.com
Android application: go.cepatkredit.com/app-android
Huawei application: appgallery.huawei.com/app/C114211289
Customer-service email: [email protected]
Mobile numbers: +63 917 822 7598 and +63 919 059 9599
Landline: +63 2 8841 2374
Business hours: Monday to Friday, 9:00 a.m. to 6:00 p.m.
Head office: Unit 2402, Jollibee Plaza, F. Ortigas Jr. Road, San Antonio, Ortigas Center, Pasig City 1605, Metro Manila, Philippines
Official Facebook page: www.facebook.com/CepatKreditFinancing
The company and brand are the same commercial operation. The longer corporate domain provides product information, while the shorter domain is used for applications, login and loan tracking.
Yes, the CEPAT KREDIT FINANCING INC. is legit. It registered with the Securities and Exchange Commission (SEC), with Registration No. Cs201909976 and Certificate of Authority No. 1223. To verify this information, you may also visit the official SEC website.
If you want to file a complaint against "CEPAT KREDIT FINANCING INC.", you may leave a review or contact the SEC by email at [email protected] or by calling the SEC Call Center at 02-5322-7696.
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