Source: https://fintech.ph/listing/goodkredit

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# GoodKredit

[Financial Inclusion](https://fintech.ph/category/financial-inclusion) [Buy Now Pay Later](https://fintech.ph/category/bnpl) [Lending](https://fintech.ph/category/lending) [Payments](https://fintech.ph/category/payments)

[Visit website](https://www.goodkredit.com/)

- **Founded**: 2016
- **Headquarters**: Cebu City, Philippines
- **Stage**: Seed
- **Total raised**: ₱3M. From recorded rounds
- **Licences**: 1. BSP

## Overview

GoodKredit is a Cebu-based mobile fintech platform from GoodApps Inc. built to bring credit and everyday spending tools to unbanked and underserved Filipinos. Through its voucher-based 4 Gives model, users receive e-vouchers redeemable at partner sponsors and merchants and settle purchases over four installments. GoodApps also runs Payday Today, an earned-wage-access app — free for employers and zero-interest for employees — that lets workers draw already-earned salary before payday. GoodApps is a BSP-registered Operator of Payment Systems, backed by a DoST-PCIEERD startup grant.

### Products

- GoodKredit (4 Gives voucher BNPL)
- Payday Today (earned-wage access)

### Serves

Underserved consumers Employees

## Funding and ownership

Total raised

₱3M

Sum of recorded funding rounds

Stage

Seed

Parent organisation: GoodApps Inc. (Global Optimum Data Ventures)

### Investors and shareholders

DoST-PCIEERD

Figures are calculated from the funding rounds recorded for this company.

## People

- Caesar T. Michelena President (Global Optimum Data Ventures)

## Licences and certifications

- [BSP-registered Operator of Payment System (OPS) — OPSCOR-2021-0049](https://fintech.ph/licence/payment-system-operators) [Check: BSP OPS registry — GoodApps Inc. OPSCOR-2021-0049](https://www.bsp.gov.ph/PaymentAndSettlement/COR.pdf)

Something out of date? [Suggest a correction](https://fintech.ph/contact)

## Contact and links

[goodkredit.com](https://www.goodkredit.com/)

- [facebook](https://www.facebook.com/goodkredit/)
- [linkedin](https://www.linkedin.com/company/goodapps-inc)

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[More in Financial Inclusion](https://fintech.ph/category/financial-inclusion)

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From fintech.ph, an independent directory of fintech companies in the Philippines, as of October 27, 2026. Please link to https://fintech.ph/listing/goodkredit when citing this page.