Pautang Online Finbro Philippines – Reviews, Loan Info and Terms

Finbro, a leading online lending platform in the Philippines. In this article, we will delve into various aspects of Finbro’s loan services, including interest rates, loan terms, and borrower requirements.


What is Pautang Online?

Pautang Online stands out as a leading loan application in the Philippines, offering a range of services including quick cash and personal loans. Whether you require funds for bicycle repairs or unexpected medical expenses but find yourself short on readily available cash, consider giving Pautang Online a try. It’s your instant solution to all financial concerns.

What is a Finbro Loan?

FINBRO, an integral player in the online lending sector, is operated by Sofi Lending Inc., providing a seamless avenue for Filipinos to access quick cash loans. The application process is user-friendly, either through the official FINBRO website or the dedicated mobile app. Loan offerings range from ₱1,000 to ₱50,000, with flexible repayment terms spanning 1 to 12 months, accommodating a variety of financial situations.

Legitimacy of FINBRO

Addressing concerns regarding legitimacy is paramount when dealing with financial transactions. Fortunately, FINBRO is fully legitimate and registered with the Securities and Exchange Commission (SEC) in the Philippines under SEC Number CS201908275. Sofi Lending Inc., the entity behind FINBRO, holds the necessary registration and has been assigned FINBRO SEC Certificate Authority Number 2990. This information, available on the official SEC website, reinforces the credibility of FINBRO as a trustworthy lending platform.

Furthermore, scrutiny of Sofi Lending Inc.’s presence in the List of Lending Companies on the SEC website establishes the company’s compliance with regulatory standards. This meticulous verification process ensures that FINBRO operates within the bounds of the law, providing users with a secure and legitimate financial service.

Interest Rates and Calculator

A crucial aspect of any lending platform is the transparency and competitiveness of its interest rates. FINBRO Philippines offers interest rates ranging from 1.12% to 1.95%, catering to both new and registered customers. The platform provides an online calculator, accessible through the website and app, enabling users to estimate monthly payments based on loan amount, tenure, and interest rate. This tool empowers borrowers to make informed decisions, promoting financial responsibility.

Application Process

Navigating the FINBRO application process is straightforward and user-centric. Potential borrowers can either download the FINBRO app or visit the website. For new customers, the registration process is initiated by clicking “Register Now,” while registered customers can seamlessly log in. The subsequent steps involve completing the loan application form, receiving a verification code, and awaiting the online loan decision. Upon approval, borrowers can select their preferred disbursement bank and verify their identity through a selfie and a valid ID. This meticulous process ensures a secure and efficient loan application experience.

Managing FINBRO Loans

Cancellation and Extension

Understanding the flexibility in managing FINBRO loans is crucial for borrowers. In the event of a change of mind, borrowers can request the cancellation of the loan before the approved amount is disbursed. This can be easily facilitated by contacting FINBRO’s customer support via call, email, or chat within 24 hours of approval, without incurring any cancellation fees. Additionally, the platform provides options for extending the loan payment due date, offering a practical solution for borrowers facing unforeseen financial challenges.

Increasing Loan Limits

For borrowers with a commendable credit track record, FINBRO extends the option to request an increase in their credit limit for subsequent loans. The new maximum loan amount is contingent on the borrower’s credit behavior, encouraging responsible financial management. Borrowers seeking higher loan amounts for future applications can reach out to FINBRO’s support team after fully repaying their most recent loan, demonstrating a commitment to responsible borrowing.

Loan Requirements

General Requirements

To facilitate a smooth loan application process, FINBRO outlines specific requirements for prospective borrowers. These include Filipino citizenship, an age range of 20-70 years, a valid ID (such as Driver’s License, Passport, SSS ID, GSID, PRC ID, or UMID), a regular source of income, and an active Philippine bank account or e-wallet to receive the loan funds.

Additionally, the amount a borrower can secure for their first FINBRO loan depends on their creditworthiness, assessed during the online application. With a responsible repayment history, borrowers have the potential to increase their maximum loan amount and credit limit for subsequent loans.

First Loan, Reloan, and Loan Extension

Understanding the intricacies of various loan types offered by FINBRO enhances the borrower’s experience.

  • First Loan: For those embarking on their initial FINBRO loan application, the amount they can borrow is contingent on their creditworthiness, with most applicants approved for ₱1,000 to ₱15,000.
  • Reloan: After fully repaying the first loan, borrowers become eligible for a second, larger loan known as a FINBRO reloan. The reloan amount typically ranges between ₱5,000 to ₱50,000, depending on the borrower’s credit behavior. This process is a testament to FINBRO’s commitment to rewarding responsible repayment history and building trust with borrowers.

Loan Extension

In scenarios where borrowers find it challenging to meet their full loan repayment, FINBRO provides the option for a loan extension. By making a minimum payment, borrowers can extend their next payment due date by either 14 or 30 days, offering valuable flexibility during financially challenging periods. This feature aligns with FINBRO’s customer-centric approach, recognizing the need for adaptable solutions.

Valid ID Verification

Ensuring the security and legitimacy of its users, FINBRO accepts a range of valid IDs for identity verification. These include SSS cards, UMID cards, driver’s licenses, and passports. By adhering to these common Philippine-issued IDs, FINBRO streamlines the identity verification process, maintaining compliance with know-your-customer regulations.

Repayment Methods

Payment Options

Convenience is key when it comes to loan repayment. FINBRO provides three main channels for loan payment:

  • Pay through E-Wallets: Utilize platforms like GCASH, PayMaya, and ShopeePay for seamless transactions.
  • Payment Partners: Leverage the extensive network of payment partners, including Bayad Centers, M Lhuillier, Cebuana Lhuillier, Palawan Pawnshop, 7-Eleven CLiQQ, and SM Bills. Notably, M Lhuillier and Cebuana Lhuillier are recommended for payments exceeding ₱10,000.
  • Payment via Bank Transfer: Directly transfer payments to FINBRO’s designated account at UNION BANK OF THE PHILIPPINES under the account name SOFI Lending Inc. and account number 003170001484.

Handling Unpaid Loans

Transparent communication is key in navigating unforeseen challenges. In the event of missing a due date, borrowers are encouraged to promptly contact FINBRO’s customer support team to explore available options. These may include a loan extension, restructuring, or making a minimum payment to extend the due date by 14 or 30 days. This proactive approach aligns with FINBRO’s commitment to customer satisfaction and responsible lending practices.

Loan Harassment Policies

Addressing the prevalent issue of online lending harassment in the Philippines, FINBRO emphasizes its commitment to operating within the confines of the law for loan recovery. While the platform retains the right to engage debt collection agencies for cooperation in recovering overdue payments, it explicitly states its disapproval of harassment tactics. This commitment is reinforced through company policies that prohibit harassment of borrowers, aligning with FINBRO’s values and legal obligations.

Understanding FINBRO Charges and Fees

Financial transparency is a cornerstone of responsible lending. Borrowers engaging with FINBRO should be aware of the associated fees:

One-time Processing Fee: A transparent fee structure involves a one-time processing fee of 9%.

Legal Protections and Dealing with Loan Sharks

Given the rise of online lending and associated risks, borrowers need to be informed about legal protections. Various laws safeguard consumers from predatory practices, including:

  • Republic Act No. 9474: Lending Company Regulation Act of 2007
  • Republic Act No. 8556: Financing Company Act of 1998
  • 18th Congress – Senate Resolution No. 121
  • Republic Act No. 3765: Truth in Lending Act

If borrowers encounter violations of these laws, they are encouraged to file complaints and seek legal recourse.

How to Pay FINBRO in GCASH

GCASH has become a popular avenue for loan repayment. A step-by-step guide ensures a seamless repayment process:

  1. Log in to GCash and click Pay Bills.
  2. Select Loans and choose Dragon Loans.
  3. Fill out the required payment details.
  4. Click CONFIRM to complete the payment.

This user-friendly approach enhances the efficiency of loan repayment for GCASH users.


FINBRO Philippines provides dedicated customer support through multiple channels. Clients can reach the FINBRO Customer Care team via SMART at 09690471419 or GLOBE at 09176200773. Additionally, they can communicate through email at [email protected]. For inquiries related to collections, clients may contact the Collections team at SMART 09989462760 or GLOBE 09176223795, or email [email protected].

Customer support at FINBRO is available seven days a week from 8 a.m. to 5 p.m. While FINBRO operates under Sofi Lending Inc. without physical branches, clients can contact the head office at Unit 1405 East Tower, Philippine Stock Exchange Center, Exchange Road, Ortigas, Pasig City. Dedicated support staff can also be reached by phone or email during regular office hours. FINBRO is committed to offering helpful and responsive assistance for all customer needs and inquiries.


What is Finbro Loan?

Finbro Loan is a micro-lending service that provides small personal loans to individuals in need of quick cash. Accessible through the Finbro app, available for download on both iOS and Android platforms.

How do I download the Finbro app?

To download the Finbro app, search for “Finbro” in the App Store or Google Play Store. Alternatively, access the app directly through the Finbro website.

What are the requirements for getting a Finbro loan?

To qualify for a Finbro loan, you must be a Filipino citizen or legal resident, at least 18 years old, with a valid phone number and email address. You also need to provide ID and proof of income.

What is the maximum amount I can borrow from Finbro?

Finbro loans are typically small, short-term loans ranging up to ₱50,000, determined based on creditworthiness, repayment history, and employment status.

How long does it take to receive my loan funds?

Finbro Loan disburses quick loans, with funds available in as little as 60 minutes after approval. However, the time may vary depending on the borrowed amount and the bank’s processing time.

Is Finbro Loan app safe and secure?

Finbro Loan prioritizes customer data protection, using top-level security protocols and encryption technologies in the Finbro app to safeguard user data and transactions.


Unit 1405 Philippine Stock Exchange Tektite San Antonio, Pasig SMART (969-0471419) / GLOBE (977-1216391) | [email protected]

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