Creditcare is simple

Our mission is to transform banking systems in key emerging countries and make innovative financial products accessible to 350+ million people.

As the trailblazer in digital lending and remittances, we’ve evolved our business model that allows borrowers to apply for personal loans from the comfort of their home or at 35,000+ locations throughout the Philippines, Vietnam and Mexico.

Headquartered in San Francisco, California, we operate primarily online with local outlets and brand name partners which allows us to keep operating costs low and focus more resources on our customers. We are transforming financial systems into a frictionless, transparent, and highly efficient experience, and we’re here for you.

Consolidate your debt


Simplify your life with a single monthly payment by getting an affordable, fixed-rate loan. Your loan rate with Creditcare is transparent and your payments never increase.

Creditcare AllAccess Mastercard


Enjoy access to a wide variety of everyday benefits! Accepted wherever you want to go. Shop online, withdraw cash at any ATM. No requirements.

Emergency Funds


Pay for an unexpected expense or major purchase in installments instead of using high interest rate loans.

Our automation system constantly improves. Learning and optimizing in response to daily repayments and delinquency data.

Innovation transforms finance

Artificial Intelligence enables Creditcare to achieve efficient scale. We do not need to employ a huge staff to collect information, analyze data or personally make recommendations to our consumers. Our nationwide distribution channels partner with us to capture millions of untapped borrowers.

The Creditcare Platform, is powered by machine learning and analyzes vast amounts of non-traditional credit data to increase approval rates and reduce the risk of credit decisions, particularly for thin-file and no-file borrowers. Machine learning algorithm maps what our consumers are doing with their money, and this level of transparent financing facilitates better predictive advice on which financial products consumers need.

The entire process is online, using technology to lower the cost of credit and pass the savings back in the form of lower rates for borrowers and solid returns for investors.