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CIMB Revi Credit Review Philippines: Is It Worth It?

CIMB REVI credit Review Philippines
With a fast-paced lifestyle these days, having ready access to credit can be a lifesaver. CIMB Bank Philippines, which is a top digital bank, provides Revi Credit, which is a convenient loan product for financial ease. Whether you require funds for emergency use, for business, or other personal expenditure, Revi Credit offers a revolving credit line with the flexibility to take a term loan.

But what is it, and how does it work, and is it for you? In this review, we'll summarize the features, interest rates and advantages of CIMB Revi Credit to assist you in making a decision.

What is CIMB Revi Credit?

CIMB Revi Credit is a revolving facility that enables eligible users to take cash advances up to their approved amount and repay it in a flexible manner. If your credit limit is at ₱100,000 or higher, you can repurpose 30% of this as a term loan with a tenor of up to 3 years, and 70% remains as revolving credit.

This hybrid product turns Revi Credit into an adaptable financial instrument—perfect for both short-term cash flow requirements and medium-term funding.

Key Features & Advantages

  • Revolving Credit Facility – Borrow, repay, and reuse amount without applying again.
  • Loanable Amount – You can apply from ₱1,000 up to ₱250,000 credit limit.
  • Term Loan Facility – Easily convert 30% of your limit as a 3-year installment term loan.
  • Low Monthly Interest Rate – Just 2.5% per month (competitive to other lenders with interest rate 3%-5%).
  • Flexi Payment Options – Auto-debit from your CIMB savings account or pay manually.
  • No Collateral Required – Unsecured loan, therefore no need for property or asset collateral.
  • Quick & Digital Process – Whole application and disbursement conducted online.
  • Overdue Additional fee – 5% of your balance will be added to your amortization once incurred overdue.

User Experience & Feedback

Most borrowers like the convenience and speed of CIMB Revi Credit, particularly because approval is possible within hours. Some reviewers also praise the repayment flexibility and the option of converting some credit line to a term loan.

Yet, some customers note that initial credit limits are low and that one needs to keep using the credit and making good payments regularly to get an increase.

Is CIMB Revi Credit Worth It?

If you want a low-interest, flexible credit line where you can opt for long-term payments, CIMB Revi Credit is a good bet. It's particularly convenient for current CIMB customers who need quick access to funds without the bother of applying for traditional bank loans.

That said, if you're in need of a bigger loan sum right away, you may have to look elsewhere or aim to build up your Revi Credit limit over time.

Final Tips Before Applying

  1. Maintain a good credit score to increase your chances of approval.
  2. Use your CIMB account actively—higher transactions may help boost your limit.
  3. Repay on time to avoid penalties and improve future loan offers.
Ready to Apply?
If CIMB Revi Credit fits your needs, download the CIMB PH App and check your eligibility today!
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Comments

  1. Sandy OrcalesJune 26, 2025 at 12:32 PM

    Another information: did you know that CIMB Bank Philippines was recognized as the #1 bank in the Philippines by Forbes' World's Best Banks ranking in 2023.

    ReplyDelete

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