Credit Perception Index Report 2025

Now in its third year, TransUnion’s Credit Perception Index (CPI) tracks Filipino consumers’ awareness, trust and use of credit products.

The 2025 report delivers fresh perspectives on the general population, the unbanked, and — for the first time — FinTech users. These findings can help financial institutions, lenders and policymakers shape strategies that support financial inclusion and sustainable growth.

Key findings include:

• CPI score steady at 73 — indicating stable consumer understanding of credit fundamentals
• Top barriers unchanged — high interest rates and fraud risks remained the main deterrents to applying for credit
• Interest in formal borrowing increased — more consumers showed preference for traditional and virtual banks
• Confidence declined — fewer Filipinos expected their financial situation to improve in the year ahead
• Growing curiosity about credit — more consumers expressed interest in learning about credit products

The CPI help businesses and institutions track shifts in credit perception and usage, uncover opportunities to engage underserved or cautious consumers, strengthen financial literacy initiatives, and design products that reflect changing levels of trust and engagement.