Reviewing the FINBRO PH Loan App: Addressing Harassment, Complaints, and Legitimacy (2024)

In this article, we delve into Finbro PH, an online lending platform in the Philippines. We will cover various aspects of this financial service, including its legitimacy, loan offerings, terms, pros and cons, interest rates, application process, customer feedback, and much more. By the end of this review, you’ll have a thorough understanding of what Finbro PH has to offer and whether it’s the right choice for your financial needs.

Don’t overlook:

Top 10 Fast Online Loans in Philippines – A Valid ID is All You Need Updated in July 2024 

Rank Lender Name & Application Link Loan Amount Loan Term Interest Rate Repayment ID Required Age Range Special Feature

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₱1,000 – ₱25,000 3 – 12 months 0% for first loan Monthly or End of term Only ID Card required 20 – 70 Receive money in 15 mins

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₱1,000 – ₱25,000 3 – 12 months 0% for first loan Monthly or End of term Only National ID required 20 – 70 Receive money in 15 mins

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₱1,000 – ₱25,000 2 – 4 months 0% for first loan Monthly or End of term Only ID Card required 18 – 70 Easy loan approval

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₱1,000 – ₱50,000 1 – 12 months 0% for first loan Monthly or End of term Only ID Card required 20 – 65 Receive money in 10 mins
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₱1,000 – ₱25,000 1 – 180 days 0.1% Monthly or End of term Only ID Card required All accepted Approve Bad credit
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₱1,000 – ₱25,000 2 – 4 months 0% for first loan Monthly or End of term Only ID Card required 18 – 70 Easy loan approval
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₱1,000 – ₱25,000 3 – 6 months 0% for 7 days Monthly or End of term Only ID Card required 21 – 70 Receive money in 4 mins
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₱500 – ₱25,000 60 – 180 days 1.2% per month Monthly or End of term Only ID Card required 18 – 65 Receive money in 5 mins
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₱1,000 – ₱20,000 7 – 30 days 0% for first loan End of term Only ID Card required 21 – 70 Receive money in 5 mins
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₱500 – ₱20,000 7 – 180 days 0% for first loan End of term Only ID Card required 22 – 65 Easy loan approval

Summary of Finbro PH

  • Maximum Loan: 1000 – 50,000 PHP
  • Age Requirement: 20 – 65 years old
  • Loan Term: 1 – 12 months
  • Interest Rate: 0.5 – 1.25% per day
  • Requirements: National ID
  • Pros: Easy registration process
  • Cons: Service verification lending fee
  • Effectiveness: Good
  • Bad Debt: Allowed
  • Harassment: By phone and email
  • Legit: Yes
  • Payment Method: Gcash
  • Contact Number: 09690471419

When considering an online lending platform, understanding the key metrics is essential. Finbro PH offers loans ranging from 1000 to 50,000 PHP, targeting individuals aged 20 to 65 years. The loan term can vary from as short as 1 month to as long as 12 months, with interest rates ranging from 0.5% to 1.25% per day. To qualify, you need a National ID, and the payment method is facilitated through Gcash.

Pros and Cons:


Finbro PH boasts several advantages:

  1. Convenience: Access loans via mobile devices or computers.
  2. Simplicity: A straightforward registration process requiring only one valid ID.
  3. No Financial Proof Needed: No financial proof, collateral, or guarantors are necessary.
  4. Speedy Disbursement: Quick loan review and disbursement through bank accounts or e-wallets.
  5. First-time Benefits: First-time borrowers enjoy 0% interest and no service fees.
  6. Privacy: Finbro ensures strict confidentiality of borrowers’ personal information.
  7. Professional Handling: Harassment cases by Finbro are dealt with courteously.
  8. Speedy Approvals: Loans are typically approved within 15 minutes.


However, there are some downsides to consider:

  1. Additional Fees: Additional cash loan processing fees must be paid.
  2. Loan Limit: The maximum loan amount may not be sufficient for significant financial needs like business investments or major purchases.
  3. Higher Interest Rates: Interest rates are higher compared to traditional banks and financial institutions.
  4. Limited Support: No support for customers with a bad credit history.
  5. Rare Harassment Cases: Instances of harassment by Finbro are relatively rare.

What is Finbro?

Finbro is an online lending company in the Philippines, offering fast financial solutions with 24/7 customer support. It aims to assist customers in managing unexpected expenses by providing accessible loans. Applicants can conveniently apply for loans through the Finbro website using their mobile phones or computers. Finbro offers loans of up to 50,000 pesos with repayment terms of up to 12 months, and loan approvals can be obtained in as little as 15 minutes.

Finbro Maximum Loan and Term

  • Maximum Loan: Ranges from 1000 to 50,000 PHP
  • Loan Term: Can be as short as 1 month or as long as 12 months
  • First-time Borrowers: Eligible for a maximum of 15,000 PHP
  • Application Processing Fee: Approximately 9% of the loan approval amount

Understanding the maximum loan amount and term is crucial for borrowers. Finbro PH allows loans ranging from 1000 to 50,000 PHP, accommodating various financial needs. The loan term can be tailored to your preference, with a minimum of 1 month and a maximum of 12 months. First-time borrowers are limited to a maximum of 15,000 PHP, and an application processing fee, typically around 9% of the loan approval amount, applies.

Pros of Finbro PH

Let’s explore the advantages of choosing Finbro PH for your financial needs:


1. Convenience: Finbro PH offers the flexibility to apply for loans from any mobile device or computer, making it accessible to a wide range of users.

2. Simplicity: The registration process is straightforward, requiring only one valid ID, reducing the hassle of gathering extensive documentation.

3. No Financial Proof Required: Unlike traditional banks, Finbro PH doesn’t require financial proof, collateral, or guarantors, making it more accessible to a broader audience.

4. Speedy Review and Disbursement: Loans are reviewed promptly, and once approved, funds are disbursed quickly, either to a bank account or e-wallet.

5. First-time Borrower Benefits: First-time borrowers enjoy the added advantage of 0% interest on their loans and are exempt from service fees.

6. Privacy and Confidentiality: Finbro PH takes data privacy seriously, ensuring that borrowers’ personal information is kept confidential.

7. Professional Handling: Cases of harassment by Finbro are handled professionally, ensuring a respectful and courteous approach.

8. Quick Approvals: Loan approvals are typically processed within 15 minutes, reducing wait times for borrowers.

Cons of Finbro App

It’s essential to consider the potential downsides when evaluating Finbro PH:

1. Additional Fees: Borrowers should be prepared to cover additional cash loan processing fees.

2. Loan Limit: The maximum loan amount, while suitable for some needs, may not be sufficient for more significant financial endeavors such as starting a business or purchasing a home or car.

3. Higher Interest Rates: Interest rates for Finbro PH loans are higher compared to those offered by traditional banks or financial institutions.

4. Limited Support for Bad Debt: Finbro PH does not provide support for customers with a bad credit history, potentially excluding a segment of borrowers.

5. Rare Harassment Cases: Cases of harassment by Finbro are relatively rare but can still occur.

Finbro Loan Interest Rate

Understanding the interest rates on Finbro loans is crucial for making informed borrowing decisions:

Finbro offers competitive online loan interest rates, which range from 0.5% to 1.25% per month. The initial loan is offered at a favorable 0% interest rate, with subsequent rates determined based on the borrower’s credit history and profile.

Example of Finbro Interest Rate Calculation

To illustrate how interest rates work, consider the following example:

Suppose a customer borrows 10,000 pesos for 30 days, with an interest rate of 1% per day.

  • The amount of interest payable after 30 days would be: 10,000 x 1% x 30 days = 3,000 pesos.
  • Additionally, the service fee would amount to: 10,000 x 9% = 900 pesos.
  • Therefore, the total amount payable after 30 days would be: 10,000 + 3,000 + 900 = 13,900 pesos.

Finbro Loan Requirements

Understanding the requirements for securing a loan with Finbro PH is essential:

To be eligible for a Finbro PH loan, borrowers must be Filipino citizens between 20 and 65 years old. Additionally, borrowers can provide documents such as payroll, Certificate of Employment (COE), Income Tax Return (ITR), company ID, and Department of Trade and Industry (DTI) registration.

Guide to Finbro Loan Application Step-by-Step

Applying for a Finbro loan is a straightforward process:

Step #1: Choose Your Loan Term and Limit

If you are a new customer applying for a loan for the first time, you must visit Finbro PH’s homepage and select the loan limit you wish to borrow, then click “Register now.” If you are a returning customer, simply log in to your Finbro account.

Step #2: Fill Out the Application

Fill in your personal information as required in the application form, and take a 2-sided photo of your ID as part of the verification process.

Step #3: Wait for Loan Approval

The system typically approves loans automatically within 10 minutes. You will receive loan approval results via SMS or email.

Step #4: Receive Funds from Finbro

Once your loan is approved, the disbursed amount can be transferred to a bank account or e-wallet, such as Gcash or Maya.

Reviews of Finbro Philippines Loan Feedback

Understanding customer feedback is vital when assessing the quality of a lending service:

Customer Feedback:

According to feedback from Reddit users, over 98% of customers express high satisfaction with the loan products and services provided by Finbro. Positive customer feedback is a testament to the platform’s reliability and effectiveness.

Guide to Finbro Payment

Repaying your Finbro loan is convenient and easy through various methods:

Payment Options:

  • Gcash, Maya, Shopee Pay: To make payments using these e-wallets, enter the correct reference number beginning with SCP, along with the biller’s name, “Payexpress for GCash” or “Maya wallets,” and ensure the correct biller’s name is used for ShopeePay wallets, such as “PayExpress Loans.”
  • Bank Transfer: For bank transfers, utilize the following details:
    • Bank Name: Union Bank of the Philippines
    • Bank Account Name: SOFI Lending Inc
    • Bank Account Number: 003170001484
    • Payment Remarks: SCPXXXXXXXXXX
  • Partner Payment Locations: If you prefer to pay through partners like 7-Eleven, SM, Cebuana, Bayad, Palawan Express, or MLhuillier, ensure you use the correct biller’s name, which can be “PayExpress Loans,” “PayExpress,” or “Paynamics,” depending on the partner.

Compare Finbro PH with Other Loan Apps

Comparing Finbro PH with other loan apps can help you make an informed decision:

Criteria Finbro PH Cashspace Moneycat
Limits 1000 – 50,000 PHP 1000 – 25,000 PHP 1000 – 30,000 PHP
Interest 0.5% – 1.25%/day 0% – 3.65%/day 1.3%/day
Term 1 – 12 months 7 – 180 days 10 – 30 days
Age 20 – 65 years old Over 18 years old 20 – 65 years old
Browsing Time 15 minutes 5 minutes 10 minutes

Comparing Finbro PH with other loan apps can help you determine which platform aligns better with your specific financial needs and preferences. Each app offers distinct features, such as loan limits, interest rates, and application processing times, which can influence your choice.

Finbro Contact

Understanding how to reach out to Finbro PH for inquiries and support is crucial:

  • Hotline: 09690471419 – 09176200773
  • Address: Unit 1405 Philippine Stock Exchange Tektite San Antonio, Pasig.
  • Email:,
  • Support Period: Monday – Sunday, 8 am to 5 pm.

Having access to multiple communication channels ensures that borrowers can seek assistance or information whenever needed, contributing to a positive customer experience.

FAQs – Finbro PH

Frequently asked questions provide essential information for potential borrowers:

Is Finbro Legit?

Yes, is legitimate. It is owned and operated by Sofi Lending Inc., a subsidiary of Social Finance, Inc., a U.S.-based online personal finance company. operates legally under the supervision of the Philippine Financial Commission.

How to Pay a Finbro Loan?

Customers can pay their Finbro online loans in one of three ways:

  • Bank Transfer: Include the loan reference number in the transfer’s body.
  • E-wallets: Use GCash, Maya, or Shopee Pay, ensuring you have the correct reference number and biller’s name.
  • Partner Payments: Utilize partner locations like 7-Eleven, SM, Cebuana, Bayad, Palawan Express, or MLhuillier, following specific biller’s name instructions.

Is Finbro Safe?

Finbro is licensed to operate and has a legal certificate. Customers’ personal information is encrypted and secured using modern technology. Therefore, Finbro online loans are considered safe and transparent, with interest rates within acceptable limits.

Is Finbro SEC Registered?

Yes, is registered with the Securities and Exchange Commission (SEC) and operates under the supervision of the Bangko Sentral ng Pilipinas (BSP). This regulatory compliance ensures the platform’s legality and adherence to industry standards.

How to Pay Finbro Using Gcash?

Paying a Finbro loan using Gcash is straightforward:

  1. Access the Gcash app and select “Bills.”
  2. Navigate to the “Payment Solutions” section.
  3. In the invoice list, locate “PayExpress.”
  4. Enter your Finbro registered phone number, email address, payment amount, and Finbro reference number.
  5. Confirm the payment and wait for a message or email notification.

How to Delete a Finbro Account?

While it is possible to delete your Finbro account, it may not be necessary. Finbro retains customer information for future loan applications, making it easy for you to reapply when needed. However, if you wish to delete your account, you can contact customer service support via hotline 09690471419 – 09176200773.

In Conclusion

In summary, Finbro PH is an online lending platform developed by Sofi Lending Inc, a legally licensed entity. With a loan limit of up to 50,000 PHP, easy registration, high approval rates, and a quick application process, Finbro is an effective choice for addressing customers’ urgent financial needs. However, it’s essential to consider the associated fees and interest rates before applying.

Understanding the platform’s pros and cons, customer feedback, and the comparison with other loan apps provides valuable insights to help borrowers make informed decisions. Whether you’re seeking a short-term loan or financial assistance for unexpected expenses, Finbro PH presents a viable option in the online lending landscape of the Philippines.

5/5 - (7 votes)

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