Finbro PH Loan Review: Harassment, Interest rate, Contact, Legit (2024)


In the ever-evolving landscape of the Philippines’ financial sector, online lending services have gained significant momentum, and among the prominent players, Finbro PH stands tall as a trailblazer.

In this review aims to delve into the multifaceted aspects of Finbro PH, ranging from its legitimacy and loan application process to loan limits, interest rates, and invaluable customer feedback. By the end of this extensive exploration, readers will emerge enlightened and empowered to make informed financial decisions.

What is Finbro PH?

Finbro PH is an esteemed online lending service that has rapidly gained popularity for providing fast and efficient financial solutions to individuals across the Philippines. The platform operates round the clock, ensuring that customers can access much-needed funds to address unforeseen expenses at any time. One of the key features that make Finbro PH a preferred choice among borrowers is the seamless loan application process, enabling users to apply for loans via their mobile phones or personal computers. With a remarkable loan limit of up to 50,000 PHP and flexible repayment periods of up to 12 months, Finbro PH has garnered a reputation for swift loan approvals, with applications processed and approved within an astonishing 15 minutes.

Finbro Loan Limits and Terms

To better understand Finbro PH’s lending capabilities, it is imperative to explore the loan limits and terms that the platform offers. Catering to the diverse financial needs of borrowers, Finbro PH allows loans ranging from 1,000 to 50,000 PHP, making it accessible to a broad spectrum of individuals.

Furthermore, borrowers can choose installment terms spanning from 1 to 12 months, providing them with the flexibility to structure their repayment schedules as per their financial capabilities.

However, it is essential to note that first-time borrowers are initially eligible for a maximum loan amount of 15,000 PHP. Additionally, borrowers must be aware of the application processing fee, which is approximately 9% of the approved loan amount.

Pros of Finbro PH

Undoubtedly, Finbro PH’s merits have played a pivotal role in its growing popularity. Some of the key advantages that borrowers can expect from this platform include:

  • Accessibility: Leveraging technology to the fullest, Finbro PH enables borrowers to apply for loans through any mobile device or computer, making it a hassle-free process.
  • Simplified Registration: The platform takes pride in its user-friendly interface, requiring only one valid ID for the registration process, streamlining and expediting the application procedure.
  • No Financial Proof Required: Unlike traditional financial institutions, Finbro PH does not mandate borrowers to present extensive financial proofs, collateral, or guarantors, making the loan application process remarkably straightforward and accessible to a wider audience.
  • Swift Loan Approval: In a world where time is of the essence, Finbro PH stands out with its remarkable efficiency, processing loan applications in mere minutes and disbursing funds swiftly, meeting borrowers’ urgent financial needs with ease.
  • 0% Interest for First-Time Borrowers: The platform entices first-time borrowers with a preferential 0% interest rate, combined with a waiver of service fees, offering an attractive proposition that fosters customer loyalty.
  • Confidentiality and Security: Understanding the importance of safeguarding customers’ personal information, Finbro PH ensures complete confidentiality through state-of-the-art encryption technology, giving borrowers peace of mind.
  • Polite Harassment Policy: Finbro PH sets itself apart with its courteous approach to handling harassment issues, prioritizing customer satisfaction and ensuring a respectful lending experience.
  • Fast Loan Approval Process: One of the most significant advantages of Finbro PH is its expedited loan approval process, providing borrowers with timely financial assistance in as little as 15 minutes.

Cons of Finbro PH

As with any financial service, Finbro PH has certain limitations that borrowers should be mindful of:

  • Additional Processing Fee: Borrowers must be prepared to pay an additional processing fee, which may be a consideration for some individuals.
  • Limited Loan Amount: While Finbro PH’s loan limits cater to a wide range of financial needs, borrowers seeking substantial amounts for business ventures or significant investments might find the maximum loan limit insufficient.
  • Comparatively Higher Interest Rates: It is essential for borrowers to weigh the interest rates charged by Finbro PH against those offered by traditional banks or established financial institutions, as the former tends to have slightly higher rates.
  • No Support for Bad Debt Customers: As a responsible lending platform, Finbro PH does not cater to customers with bad debt history, focusing on maintaining a reliable and sustainable lending ecosystem.

Finbro Loan Interest Rate

Understanding the intricacies of interest rates is crucial for borrowers to make informed financial decisions. At Finbro PH, the online loan interest rates range from 0.5% to 1.25% per month.

As an incentive for first-time borrowers, Finbro PH offers a 0% interest rate for the initial loan. Subsequent interest rates are determined based on the borrower’s credit history and profile, ensuring a fair assessment of the borrower’s risk profile.

Example of Finbro Interest Rate Calculation

To illustrate the interest rate calculation process, let us consider a scenario where a customer borrows 10,000 PHP for 30 days, with an interest rate of 1% per day. To calculate the interest payable after 30 days, we employ the formula: 10,000 * 1% * 30 days = 3,000 PHP. Additionally, a service fee of 900 PHP is applicable, resulting in a total amount payable after 30 days of 10,000 + 3,000 + 900 = 13,900 PHP.

Finbro Loan Requirements

Before embarking on a loan application journey with Finbro PH, borrowers must familiarize themselves with the platform’s requirements. To qualify for a Finbro PH loan, borrowers must be Filipino citizens aged between 20 and 65 years. Additionally, possessing at least one valid ID is mandatory for the application process.

Furthermore, borrowers have the option to enhance their eligibility by providing additional documents such as payroll records, Certificate of Employment (COE), Income Tax Return (ITR), company ID, or documents from the Department of Trade and Industry (DTI).

Guide to Finbro Loan Application Step-by-Step

The loan application process is undoubtedly a critical aspect of any lending service, and Finbro PH ensures a seamless and user-friendly experience for its borrowers. The step-by-step guide to applying for a Finbro PH loan is as follows:

  • Step #1: Choose Loan Term and Limit: New customers looking to avail themselves of a loan must visit Finbro PH’s homepage and select their desired loan limit. Upon selecting the limit, the borrower can proceed with the application process by clicking “Register now.” For returning customers, logging in to their Finbro account is the initial step.
  • Step #2: Fill Out the Application: As part of the application process, borrowers need to provide relevant personal information. Additionally, borrowers are required to submit a 2-sided photo of their identification document for verification purposes, ensuring the accuracy and authenticity of the provided details.
  • Step #3: Wait for Approval: The hallmark of Finbro PH’s efficiency lies in its swift and automated loan approval system, which processes applications within approximately 10 minutes. Following the approval process, borrowers receive notification of their loan approval status via SMS or email, reducing uncertainty and providing clarity on the next steps.
  • Step #4: Disbursement of Funds: Once the loan application is approved, Finbro PH promptly disburses the approved amount. Borrowers can opt to receive the funds directly in their bank account or e-wallet, such as Gcash or Maya, enhancing flexibility and convenience.

Reviews and Feedback on Finbro Philippines Loan

In the realm of financial services, customer feedback serves as an invaluable metric to gauge customer satisfaction and the efficacy of the platform. Finbro PH takes immense pride in its customer-centric approach, with over 98% of its customers expressing high satisfaction with the loan products and services provided. Such overwhelming positive feedback speaks volumes about the trust Finbro PH has earned among its clientele.

Guide to Finbro Payment

The ease and flexibility of loan repayment are critical factors for borrowers, and Finbro PH leaves no stone unturned in this regard. Borrowers have multiple payment options at their disposal, including:

  • Gcash, Maya, Shopee Pay: Borrowers can conveniently repay their loans through e-wallets like Gcash, Maya, or Shopee Pay. To initiate the payment, borrowers need to enter the correct reference number, starting with SCP (Shopee Pay) or the respective biller’s name for GCash and Maya wallets.
  • Bank Transfer: An alternative payment method is bank transfer, where borrowers can transfer the repayment amount to the designated bank account. For Finbro PH, the bank details are as follows: Bank name – Union Bank of the Philippines, Account Name – SOFI Lending Inc, Account Number – 003170001484, Payment Remarks – SCPXXXXXXXXXX.
  • Partner Outlets: Recognizing the diverse needs of its customers, Finbro PH has collaborated with popular partner outlets such as 7-Eleven, SM, Cebuana, Bayad, Palawan Express, and MLhuillier. Borrowers can conveniently use these outlets to make their loan repayments with ease.

Comparison of Finbro PH with Other Loan Apps

To provide borrowers with a comprehensive view of their options, a comparison of Finbro PH with other loan apps is invaluable. The following table highlights the comparative criteria of Finbro PH with Cashspace and Moneycat:

Loan App Finbro PH Cashspace Loan Moneycat LOan
Amount 1000 – 50000 PHP 1000 – 25000 PHP 1000 – 30000 PHP
Interest Rates 0.5% – 1.25% per day 0% – 3.65% per day 1.3% per 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
Sources State Bank reporting and research N/A N/A

Finbro Contact

Maintaining open lines of communication with borrowers is crucial for any financial service, and Finbro PH excels in this aspect. For inquiries or assistance, borrowers can reach out to Finbro PH through various contact channels, including:

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

FAQs – Finbro PH

Addressing frequently asked questions helps clarify doubts and further empowers borrowers to make informed decisions. The following FAQs offer insights into the most common inquiries related to Finbro PH:

Is Finbro Legit?

Absolutely. operates under Sofi Lending Inc., a subsidiary of Social Finance, Inc., a reputable online personal finance company based in the United States. Regulated by the Philippine Financial Commission, operates legally and adheres to stringent guidelines, ensuring a secure and transparent lending environment.

How to Pay a Finbro Loan?

Repaying a Finbro loan is a breeze with multiple payment options available to borrowers. The payment methods include bank transfer, e-wallets such as Gcash, Maya, Shopee Pay, and partner outlets like 7-Eleven, SM, Cebuana, Bayad, Palawan Express, and MLhuillier. Borrowers can choose the most convenient method to settle their loans promptly.

Is Finbro Safe?

Ensuring the safety and security of customer data is a top priority for Finbro PH. The platform operates under a legal license and adheres to stringent data encryption protocols, safeguarding borrowers’ personal information. Moreover, Finbro PH operates under the supervision of the Securities and Exchange Commission (SEC) and the Bangko Sentral ng Pilipinas (BSP), further bolstering its credibility and trustworthiness.

Is Finbro SEC Registered?

Yes, is licensed by the Securities and Exchange Commission (SEC) and holds the necessary certifications to operate as a legitimate lending platform. The platform’s SEC Registration No. is CS201908275, and it operates under the SEC Certificate of Authority No. 2990.

How to Pay Finbro Using Gcash?

To repay a Finbro loan using Gcash, borrowers can follow these simple steps:

  1. Open the Gcash app and select “Bills.”
  2. Choose the “Payment Solutions” section.
  3. Look for “PayExpress” in the invoice list.
  4. Enter the Finbro registered phone number, email address, payment amount, and Finbro reference number.
  5. Confirm the payment, and a message or email notification will be received.

How to Delete a Finbro Account?

While ensures the utmost confidentiality and security of customers’ personal information, borrowers can contact customer service support through the hotline (09690471419 – 09176200773) to request an account deletion. However, it is essential to consider the implications of deleting an account, as it may affect future loan applications and stored information that could facilitate future borrowing.


Finbro PH emerges as an online lending powerhouse, fueled by Sofi Lending Inc.’s dedication to empowering individuals with fast and efficient financial solutions. With its impressive loan limits, swift loan approval process, and unmatched convenience, Finbro PH continues to earn the trust and satisfaction of its customers.

While borrowers should be aware of the additional processing fee and interest rates, the platform’s array of advantages, including its polite harassment policy and transparent loan information, set it apart in the competitive lending landscape.

Through the valuable customer feedback, Finbro PH has proven itself as a reliable and customer-centric financial service, capable of addressing the diverse financial needs of its clientele with ease and efficiency.

5/5 - (7 votes)
cashexpress Changed status to publish July 27, 2023