Revi Credit Review

Revi Credit Review

Pros and Cons of Revi Credit PH

This innovative line of credit means individuals and businesses in the Philippines can find a cost-effective and convenient way to take out a loan, all without a credit check. While all this sounds good, consider these disadvantages too. This way, you’ll know if borrowing from Revi is best for you.   



Key Points 

One of the key advantages of borrowing a loan from Revi is its convenience. The loan application process is simple and can be completed online or at any of their 1,080 branches. In addition, the bank makes sure you get your money quickly, often within 24 hours.

Revi Credit Philippines has also earned a reputation for providing outstanding assistance and customer service. Borrowers can expect professional assistance and guidance throughout the loan process. This makes the entire experience effortless and hassle-free.

Features Details
Interest rate 1% – 5%
Loan Amount PHP 1000 – PHP 250,000
Loan Tenure 6 to 36 months 
Approval Time Maximum of two days
Processing Fee None 

Full Loan Review 

Revi is a product offered by CIMB Bank, one of the leading banks in Southeast Asia. If you can access a financial tool that solves your money worries, you should use it, right? With a list of pros that seem too good to be true, Revi Credit Philippines continues to grow in popularity for people seeking reliable and hassle-free loans. Let’s take a look at their requirements as well as what they have on the menu. 

What is Revi Credit?

This financial service is an all-in-one online loan product provided by CIMB Bank in the Philippines. It’s well known and trusted for its exceptional services and seamless banking experience. 

This bank launched its revolving line of credit (Revi Credit) in 2021. The product allows customers to access a loan of up to PHP 250,000 with a rate as low as 1%. It’s designed to address the need for hassle-free access to formal credit in the Philippines, where many adults still rely on informal sources for their money needs. 

Company Name CIMB Bank
Founder CIMB Group Holdings Berhad
Official Launch 2021
License number 549300HUCLV2DB1T8U76

Loan Types Provided by Revi Credit 

CIMB Bank offers a revolving line of credit through Revi. They also provide other loan types, which you can use with Revi. Although you can only have one of each at a time. 

The most popular is their unsecured personal advance of PHP 30,000 to PHP 1,000,000. This amount is much more than Revi Credit and is best for people who don’t mind committing to long-term repayments. With this, borrowers can take out a cash loan for 5 years, with a rate of around 6.88%. 

Best Online Loans Similar to Revi Credit Philippines

The table will highlight a selection of outstanding online loan platforms in the Philippines, closely resembling ReviCredit’s services.

Company Loan Amount (PHP) Interest Rate Loan Term
Digido 1,000 – 25,000 From 0% to 11.9% Up to 30 days
MoneyCat 500 – 20,000 Up to 11.9% per month Up to 180 days
Kviku 500 – 25,000 1.2% per month Up to 180 days
Cashspace 1000 – 25,000 1.3% per month 2 – 4 months

Interest Rate for Revi Credit 

The loan rates offered by Revi Credit PH are reasonable and suitable for everyone. Their monthly interest rate is between 1% to 5% depending on your credit score. You’re charged based on how many days you used the loan. 

Take a look at this example: 

You borrowed a PHP 500 loan with a 3% rate and want to pay off the balance in 10 days. Here is how interest is calculated:

Revi Credit Cash Loan Requirements 

To be eligible for REVI Credit Philippines, there are a few basic loan requirements you need to fulfill. 

IDs accepted by Revi Credit

Here is a list of the necessary documentation requirements you’ll need to present if you apply for a Revi Credit online loan. As long as you have at least one of these documents, you’ll be good to go. 

ID Type Name
Electronic Identification PhillD Card (printed and digital)
Personal/ employee ID National Professional ID Card

Unified Multi-Purpose ID card

Legal documents Drivers license 


Postal ID

Voter’s (COMELEC) ID Card


How Can You Repay a Loan in Revi Credit? 

There are many different methods customers can use to repay their loan:

CIMB mobile app: 

In-store (7-eleven only) via the CIMB Bank app:

From a bank account (using Dragonpay):

Exclusive Features of Revi Credit 

One of the most remarkable Revi features is its fully digital online loan application process. With just a few taps on your smartphone, you can apply for Revi Credit Philippines without having to visit a physical branch or submit tons of paperwork. 

As opposed to a traditional loan that has excessive fees, Revi has some of the lowest interest rates in the market. It’s a really cost-effective financial solution for people in need.

In addition, Revi offers cash loan increases for people who repay on time. This means that as you continue to use and pay off your Revi loan, you’ll become eligible for a higher loan credit limit. 

Revi Credit Customer Support 

CIMB Bank’s loan customer support can be accessed both online and in-store. In terms of online support, the bank’s official website provides a comprehensive FAQ section that covers pretty much all you need to know. 

For social media lovers, customers can also reach out to the bank through their official social media pages or call them on their contact number between 6 AM – 10 PM, Monday to Sunday. 

Revi Credit Mobile Аpp Review

You can access the Revi Credit Philippines feature through the official CIMB Bank PH mobile app. Its primary function is to provide users with easy access to their CIMB loan, such as managing accounts and transactions or applying for a loan. 

Revi Credit Mobile Аpp Review

Jumio’s AI-driven identity verification technology is also integrated into the app. This means the loan customer onboarding takes under 5 minutes instead of 15. 

Revi Credit Mobile Аpp Review

Overall, the app’s user interface is intuitive and straightforward, with a modern and clean visual design. Their menus are well organized, and their icons are eye-catching without being distracting. 

Additionally, the loan app’s enhanced security measures, like biometric login and real-time account notifications, guarantee that users’ sensitive information is protected. 

Revi Credit Mobile Аpp Review

How Does the Revi Credit App Work?

Before applying for a loan with Revi, it’s a good idea to familiarize yourself with what it has to offer. Here’s an in-depth explanation of how the app works:

  1. You can download the CIMB Bank PH app from Google Play or App Store. Then to create an account, complete the easy and all-digital sign-up process.
  2. You can apply for a loan of up to PHP 250,000 with zero early settlement fees and disbursement fees if you choose to deposit the loan to your CIMB savings accounts. 
  3. Revi is a first-of-its-kind revolving credit line that can be accessed through the app, allowing you to pay bills and transfer balances.
  4. The app enables free instant transfers. With this, you can send money to other accounts. 
  5. The app incorporates advanced security measures to ensure the safety of your loan transactions and personal information. 

How Do I Create a Revi Credit Account? 

Creating a Revi account on the CIMB Bank PH app can be done in just a few minutes. Follow this guide, and you’ll be on your way to enjoying the benefits of this loan app in no time.

  1. Download the CIMB Bank PH App. There are versions for iPhone and Android. 
  2. Create an account with basic personal information such as name, email address, and mobile number. 
  3. If you already have an account, log in with your CIMB account information.
  4. Navigate to the “Revi Credit” section within the app. This is where you’ll be able to apply for a Revi loan account. 
  5. Fill out the required information, including your employment status, monthly income, and other relevant financial details. 
  6. Once your verification is complete, CIMB Bank will review your loan application and determine if you’re eligible for a Revi Credit. 

Who Does Revi Credit Suit Better? 

A business can have unpredictable expenses and fluctuating cash flow. With a revolving line of credit, you don’t have to deal with the time-consuming paperwork that sometimes comes with a traditional loan. Instead, you can take out a loan to pay for unexpected costs, such as inventory purchases, equipment repairs, or payroll needs. 

Additionally, a Revi loan is also an excellent option for freelancers and contractors. Due to the unpredictable nature of earnings, these careers have irregular income streams. 

A revolving line of credit provides these people with the flexibility to borrow money when needed. In other words, if your income is low, you can cover your expenses without impacting your credit or taking out a long-term loan at high-interest rates.


Revi operates under CIMB Bank, which follows the rules and regulations set by the Bangko Sentral ng Pilipinas (BSP). As a result, you can trust that a loan through Revi Credit is not only legal but also legit and reliable.

Revi appreciates it when you pay for your loan on time. More than this, they understand that their customers will also want to pay what they’ve borrowed before the due date. This is why they do not charge for advance payments when paying back a loan. 

Open the app and log in with your CIMB bank credentials. Once you’re in, navigate to the profile or settings section, where you’ll find options to edit your personal details. Save your changes, and your loan account information is now up-to-date.

CIMB Bank doesn’t perform a credit check for a loan with Revi. All they ask is that their borrowers be over the age of 21, have a physical address in the Philippines, have a minimum monthly income of PHP 10,000, and be a member of CIMB Bank. 

The maximum loan amount for Revi customers is PHP 250,000. It’s likely that first-time borrowers won’t be offered this much, though. If you make on-time payments and pay off the loan within the loan terms, Revi will more than likely increase the initial credit limit.

Revi Credit Competitors

<td2,000 – 20,000Up to 24%From 96 to 365 days
Read OKPeso Review

Company Loan Amount (PHP) Interest Rate Loan Term Our Review
Digido 1,000 – 25,000 From 0% to 11.9% Up to 30 days Read Digido Review
MoneyCat 500 – 20,000 Up to 11.9% per month Up to 180 days Read MoneyCat Review
CashMart 3,000 – 150,000 From 0,8% to 3,5% Up to 6 months for new loan Read CashMart Review
EasyCash 5,000 – 25,000 0,33%-1% From 1 to 300 days Read EasyCash Review
Crezu 1,000 – 25,000 From 1.5% per month to 30% per year From 3 to 12 months Read Crezu Review
CashMe 2,000 – 20,000 0,08% per day Up to 3 months Read CashMe Review
Blend 50000 – 2 million From 1,5% to 3% monthly Up to 36 months Read Blend Review
Binixo 2000 – 30000 1% per day From 7 days to 30 days Read Binixo Review
Asteria Lending Inc 2000 – 50000 0.2% per day From 30 days to 120 days Read Asteria Review
Loanmoto 1,000 – 12,000 4% – 6% per month Read Loanmoto Review
Finbro 1,000 – 50,000 0.5% – 1.25% per day Up to 12 months Read Finbro Review
Kviku 500 – 25,000 1.2% per month Up to 180 days Read Kviku Review
Binixo 2000 – 30000 1% per day From 7 days to 30 days Read Binixo Review
PesoQ 5,000 – 20,000 4% – 6% per month 91 – 365 days Read PesoQ Review
GCash 5,000 – 25,000 From 3% to 15% From 15 to 90 days Read GCash Review
CashBee 2,000 – 20,000 0,3% daily From 30 to 120 days Read CashBee Review
Tala 1,000 – 25,000 15% – 15.7% From 15 to 61 days Read Tala Review
Vamo 1,000 – 30,000 From 1,3% From 10 to 3000 days Read Vamo Review
Flexi Finance Up to 25,000 From 365 to 1460 days Read Flexi Finance Review
JuanHand Up to 50,000 14.7% per month From 14 to 90 days Read JuanHand Review
Moca Moca 2,000 – 35,000 0.83% per month From 180 to 365 days Read Moca Moca Review
RoboCash 1,000 – 25,000 From 0% to 11.9% Up to 30 days Read RoboCash Review
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