Easy to apply
Approval time
No hidden condition
Renewal rules
Service quality
Customer support
Borrower requirements
  • You must be 20+
  • Reside in the Ph and have a valid ID
  • Provide proof of your income
  • Have an active checking account
  • Credit or Debit card
Contact information
Phone number: 969-0471419
Shedule 8:00 to 17:00

Finbro is a digital-only neobank in the Philippines, delivering a complete suite of financial products. Its digital banking platform is fully compliant with a bank license issued by the Bangko Sentral ng Pilipinas (BSP). The company has over 100 employees, including industry veterans with experience in retail finance. It is backed by several leading international venture capital firms and operates out of offices in Singapore, Manila, Chennai, and Kyiv.

Finbro is based in Singapore, and operates with a local subsidiary, Finbro Digital Bank Inc., which is 40% owned by local investors. Because Finbro is new, there are still some bugs, but they are being fixed fast. Finbro has partnered with FinScore to make their digital banking platform even more convenient and accessible. For its part, Finbro plans to offer one loan product at 0% interest to start.

In order to avail of Finbro’s loan, applicants must be a Filipino citizen between 20 and 65 years old. Moreover, they should have a stable source of income. Furthermore, they must possess a valid ID (SSS, driver’s license, or passport) and mobile number. Once they meet these requirements, they can choose the amount they wish to borrow. In addition to their eligibility, Finbro also offers a variety of payment options.

Finbro Bank has a good customer service strategy. You can deposit up to PHP 5000 over a six-month period. The amount you deposit will depend on your short and long-term goals. Besides that, the company also offers iOS and Android apps, and its security system is also excellent. Finbro is one of the few finbros in the Philippines that has an iOS app. If you are planning to deposit some money in your account, the app also offers a safe and secure environment for your information.


  • Age requirement: Applicants must be at least 18 years old at the time of submission and no more than 60 years old upon the completion of the loan term.
  • Nationality: Limited to Filipino citizens.
  • Identification: A single valid government-issued identification document is mandatory.
  • Documentation: Alongside the application, applicants should furnish corroborative paperwork, including payslips, Certificate of Employment (COE), Income Tax Return (ITR), company identification, and Department of Trade and Industry (DTI) registration.
  • Loan parameters
    • Loan amount
      2.000 - 50.000 PHP
    • Interest rate
      1,12% per day
    • Term
      30 - 365 days
    • Age
      20 - 65 years

    Online loan application

    Finbro is works as a middleman between the borrower and a participating bank, and shows the borrower all the loan options available to them. The lender is also given a choice of banks, which gives the borrower flexibility in the amount they can borrow. Finbro also allows borrowers to make payments via mobile devices, including through PaySimple and other apps.

    The amount of money a person can borrow is up to 100 thousand pesos for up to eleventy two days. The interest rate is set at 1.5% per day and the application consideration period is only two working days. The applicant only needs to submit a short application form with minimum information about themselves and their business. There is no need for collateral or guarantors.

    How to get a Finbro loan:

  • Decide how much and for how long you need a loan
  • Fill out an application. Add information about yourself, income, etc.;
  • Agree to the terms and apply for a loan. Application processing time takes 10-15 minutes.
  • Confirm the offer.
  • Getting money into your bank account
  • Finbro loan

    Finbro is a financing company

    The Finbro Lending Company Inc. is a Philippine corporation that offers debt financing facilities to small and medium-sized businesses. This company is registered with the Securities and Exchange Commission and has been in operation since February 2010. Finbro is part of the PitchBook Platform and is a legitimate lender. It uses state-of-the-art technology to streamline the application process, provide instant status updates, and make credit available to borrowers around the clock.

    The online process makes it quick and convenient to avail of a loan from Finbro. You can apply for a loan online from the convenience of your own home, office, or even your mobile phone. Finbro’s rates are also competitive. It takes only a few minutes to complete the application process, and the money is wired directly to your account. The interest rate, however, cannot be changed without written agreement. And, the interest rate is secured.

    The approval process is streamlined. Most Philippine loan companies have physical offices and are registered with the DTI. Once you have submitted your application, you can expect the money to be wired to your bank account in the same day. The loan application process takes just minutes and you’ll have access to your money within a few hours. Unlike with traditional banks, Finbro’s fast approvals mean you can get your money quickly.

    Finbro offers two types of loans for small businesses. Their BUSINESS LOAN provides working capital for your business. The loan amount is PHP 200,000 and the repayment terms range from three to nine months. The loan amount can be paid back in monthly installments, and interest rates depend on the processing fee and evaluation criteria. It’s important to note that the loan terms may be different for smaller businesses, so be sure to check those first before signing up.

    Finbro offers a Minimum Payment option

    Almost all current loans in the Philippines fall under two categories: secured and unsecured. A secured loan involves a deposit into a bank account, while an unsecured loan involves adding money to an existing loan. In the Philippines, there are no centralized credit reporting agencies, so banks rely on other methods to determine credit history. The good news for borrowers is that Finbro provides a minimum payment option for most loans.

    How to pay loan Finbro:

  • 7-Eleven
  • EC Pay
  • Authorized Payment Centers: SM, Express Pay, Direct Agent 5 , TrueMoney
  • If you want to extend the duration of your loan, Finbro allows you to extend the next payment date by 30 days. However, if you are unable to meet your monthly payments, Finbro is not a safe option. This is because Finbro is not an incorporated firm and lacks a certificate of authority to operate. It is important to read the fine print before deciding whether to use this option.

    Another good option for finbro in the Philippines is the Finbro app. This application allows you to apply for a loan through the app, and you can find the lowest interest rate available. Unlike some of the other finbros, it is free to join. Besides, Finbro is a popular finbro in the Philippines, with loans ranging from Php1000 to P370,000, depending on the lender.

    Finbro loans in the Philippines can be extremely difficult to come by, so many people rely on the internet as their last resort. With internet credit, you can borrow a large sum and pay it off within four weeks or less. Then, you can deposit the full amount every four weeks if you need to, or borrow as much as you need. A minimum payment option is an important part of financing when it comes to finbro loans, as it will save you a lot of hassle and money.

    Loan Reviews

    • Easy application process
    • Application processing time up to 15 minutes
    • No collateral
    • Service works 24/7
    • No minimum income requirements
    • For re-loan - high interest rate

    Example of calculating loan

    Term 30 days 60 days 360 days
    Loan amount ₱30000 ₱30000 ₱30000
    Interest rate per day 0.04% 0.04% 0.04%
    Overpayment ₱360 ₱720 ₱4320
    Total repayment ₱30360 ₱30720 ₱34320

    Finbro is also a pawnshop

    If you’re wondering if Finbro is really legit, the answer is yes. The company is a well-known pawnshop in the Philippines that offers a variety of payment plans to fit the needs of every client. The BNPL or bank-sponsored repurchase program enables consumers to purchase items immediately, but pay for them in installments. In addition, these repurchase plans can even be done without interest.

    The 0%-interest unsecured loans from Finbro are a legitimate digital service in the Philippines that are licensed by the BSP. Unlike payday lenders, Finbro can provide you with money in as little as 30 minutes, with interest rates of 5.42 percent to seven percent. Payday loans have much higher interest rates and penalities for late payment. Finbro Bank also features a card-lock function that prevents fraudulent transactions. You can even set spending limits per day for better control of your finances.

    You can avail of this loan for a minimum of Php 5,000, and maximum of Php 50000. Unlike traditional banks, you can also avail of the Finbro Quick Loans which only take 24 hours to be approved and disbursed. You can also choose the amount of loan you want based on the value of the item. Once you’ve decided on a loan amount, you’ll be given an approval on the spot.

    The pawn industry began over three thousand years ago in ancient China and continues today with over 17500 pawnshops in the country. Over 70% of the population in the Philippines has visited a pawnshop to get a loan. It’s estimated that over 1 million people use a pawnshop every day. The concept of lending money for collateral has its roots in this ancient tradition.

    Michael Dumaloan | Modified date: August 09, 2023

    Finbro reviews

    Vincent P.
    18 April 2024
    I applied for a personal loan from Finbro to purchase a new guitar and other musical equipment. The process was seamless, and the terms were perfect for my irregular income pattern. Their support is helping me pursue my passion for music.
    Miguel Lopez
    26 March 2024
    Professional support at every stage. All issues were resolved promptly.
    Luis Sison
    14 November 2023
    Finbro turned out to be my reliable salvation in financial difficulties. Prompt resolution of issues and friendly staff are what I appreciate.
    Gabriela Ong
    13 November 2023
    Thanks to this service, I was able to quickly solve my financial difficulties. The loan process was simple and hassle-free.
    Liliana Carter
    26 October 2023
    Loaning online with finbro was a real pleasure. Very easy and successful.
    Gabriel Reyes
    12 April 2023
    I needed some money to help with the down payment on a new apartment. I had been saving for a while, but I was still a bit short. I applied for a loan with FinBro and was approved quickly. I received the payout within a few days and was able to secure the apartment. Thanks to FinBro, I was able to make my dream of having my own place a reality.
    Funds Guru
    01 February 2023
    I needed a loan to start a small business and Finbro was recommended to me by a friend. The application process was straightforward and I received my payout within a few days. The interest rates are competitive and the repayment terms are flexible. I was able to pay off the loan early without any penalty fees. I would definitely recommend Finbro to anyone in need of a loan.
    Hazle Turcotte
    26 January 2023
    I use the services when I need money before payday. Polite managers will always offer the best loan for me. It is issued quickly and has no hidden surcharges.
    Josh Manalo
    08 December 2022
    Convenient submission of documents and receipt of money on the card. I recommend!
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    Isabel Solana
    Faced with financial difficulties and did not know how to solve them. Suggested to pay attention to this site. It was very convenient and fast to apply for a loan and in the evening the money was credited to the account. Super!
    Myrna Bautista
    I use the services when I need money before payday. Polite managers will always offer the best loan for me. It is issued quickly and has no hidden surcharges.
    Josephine dela Cruz
    This is the best online loan company when compared with others. Everything is quick and clear, it concerns receipt and repayment. You can use an extension if necessary. No compulsory insurances and nice bonus system
    Teresita Flores
    The loan process is simple and hassle-free. Nice service. The next day I received the amount I needed. I will recommend the service to my friends
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