Finloo

Finloo is a free loan-matching platform for the Philippines. One online form goes to partner lenders for loans of up to ₱50,000 over 30 days to 12 months, with an APR of 0% to 36%. Finloo is compared with other lender platforms in Philippines and flags what the site leaves open.

Is Finloo legit?

Finloo is a functioning matching service run by a registered Estonian company, and it charges no application or brokerage fee. It is not SEC-registered as a lending company because it does not lend, so the registration to verify is that of the partner whose contract you sign.

Since Finloo does not name its partners, check the lender’s name in the SEC list of registered lending and financing companies once an offer arrives. A genuine lender never asks for a fee before releasing the loan.

Compare Finloo’s offers with named lenders and their published rates on the Philippine loans page.

Finloo vs other lenders

Finloo joins a crowded field of free comparison platforms. The table sets it against LoanOnline, Finami and Creditify, three platforms that also pass one application to several lenders.

*None of them issues the loan itself.

Finloo advertises the highest ceiling of the four, ₱50,000 against ₱25,000 at the others, and the lowest stated top rate. It also spells out its money channels: payout to GCash or a bank account, and cash repayment at Bayad Centers and 7-Eleven.

Its weak spot is transparency. LoanOnline and Finami name their partner lenders, while Finloo names none, so there is no way to check who stands behind the 0%–36% APR before you hand over your details.

Finloo APR rate

A 36% maximum APR would make Finloo unusually cheap for Philippine online loans. On ₱10,000 over 60 days, 36% a year works out to ₱10,000 × 36% × 60/365 = ₱592 in interest.

Other platforms show what partner lenders usually charge. LoanOnline’s own directory lists Honey Loan at up to 144% APR and Kviku at up to 730%, and Finami quotes a range of 4% to 916% a year. Finloo names no partners, so check the APR in the lender’s offer rather than relying on the 36% headline.

The only worked example Finloo publishes is a promotional one: ₱1,000 over 67 days at 0% APR, repaid as ₱1,000. It shows that a first loan can be interest-free, not what a regular loan costs.

What the law allows on small loans

Finloo’s emergency loans of up to ₱10,000 over 30–90 days fall under SEC Memorandum Circular No. 3 (2022), based on BSP Circular 1133. For loans of up to ₱10,000 and four months, lending companies may charge:

• At most 6% interest a month
• At most 15% a month including all fees
• A late penalty of at most 5% a month on the overdue amount
• A total cost never higher than the amount borrowed

Finloo’s stated late penalty of 3% a month sits below the 5% cap. On ₱10,000 overdue for a month, that means ₱300 on top of the instalment. Full or partial early repayment carries no penalty, according to Finloo’s FAQ.

Which loan types does Finloo offer?

Finloo splits its offers into product types, each with its own limit. The ₱50,000 figure appears only as the general maximum in the FAQ:

• 0% starter loan: promotional 30-day loans, mainly for first-time borrowers
• Emergency cash loan: up to ₱10,000, usually over 30–90 days, with payout advertised in as little as 15 minutes
• Flexible personal loan: up to ₱20,000 over 3–12 months
• Fully online loan: up to ₱20,000 with digital processing
• Pre-approved credit line: up to ₱30,000 of revolving credit

For a first application, expect an offer closer to the ₱10,000–₱20,000 product limits than to ₱50,000. Borrowers with a thin credit record may also get a smaller amount; Finloo says partners use alternative scoring based on bank and utility payments, which can help applicants looking for loans for bad credit.

Three things to check before you apply through Finloo

1. The age rule conflicts. The homepage FAQ says 18 and older, but the terms and conditions require users to be at least 21. Applicants aged 18 to 20 risk being turned away after sharing their details.
2. Finloo is very new. Its affiliate programme on the LeadGid network has been live only since May 2026, and there is no independent review history yet. The operator is Finelia Ltd, registered in Tallinn, Estonia.
3. Support runs through Telegram and email only. Finloo lists no phone number and no Philippine office, so any problem with a loan has to go to the lender directly.

How to apply?

The form takes under five minutes, and Finloo says personalised offers appear within about two minutes, 24/7.

1. Enter your personal details, the amount, the repayment period and your income.
2. Review the offers from partner lenders that Finloo matches you with.
3. Choose an offer, verify your identity with the lender and sign the agreement electronically.
4. Receive the money in GCash or your bank account via InstaPay or PESONet.

Lenders usually ask for a PhilID, driver’s licence or passport, proof of address such as a utility bill or barangay certificate from the last three months, and recent payslips or bank statements. Some express products rely on electronic ID checks instead of income documents.

Repayment goes to the lender through GCash, InstaPay, PESONet, automatic debit or cash at Bayad Centers and 7-Eleven. The exact schedule is set in the lender’s agreement.

Finloo contact details

Website	finloo.com.ph
Operator	Finelia Ltd, registration no. 17279064
Address	Tuukri tn 19-202, 10120 Tallinn, Estonia
Email	info@finloo.business
Support	Telegram, 24/7
Phone	Not published
Office in the Philippines	Not published

Frequently asked questions about Finloo

• Is Finloo legit?

  Finloo is a working loan-matching platform operated by Finelia Ltd, registered in Estonia, and it charges no application or brokerage fee. It is not a lender and not SEC-registered as a lending company, so check the registration of the partner lender you sign with.

• Does Finloo lend money itself?

  No. Finloo shares your application with selected partner lenders, which assess it, set the terms and send the money. The loan agreement and repayments are always with the lender.

• How much can I borrow through Finloo?

  The FAQ advertises up to 50,000 PHP, but individual products are capped lower: 10,000 PHP for emergency loans, 20,000 PHP for personal loans and 30,000 PHP for the credit line. First-time borrowers should expect an offer within those product limits.

• What interest rate will I pay?

  Finloo advertises 0% to 36% APR, with 0% reserved for promotional 30-day starter loans. Finloo does not name its partners, so confirm the APR and total repayable in the lender’s offer before accepting.

• How old do I need to be?

  The homepage FAQ says 18, but Finloo’s terms and conditions require users to be at least 21. Applicants under 21 should expect that some partners will decline them.

• What documents do I need?

  Lenders usually ask for a PhilID, driver’s licence or passport, a utility bill or barangay certificate from the last three months, and recent payslips or bank statements. Some express loans use electronic ID checks instead of income documents.

• How do I receive and repay the money?

  Loans are paid to GCash or a bank account via InstaPay or PESONet. You repay the lender through GCash, bank transfer, automatic debit, or cash at Bayad Centers and 7-Eleven.

• What happens if I pay late?

  Finloo’s FAQ states a late penalty of 3% of the overdue balance per month, below the 5% legal cap for small loans. On 10,000 PHP overdue for a month, that adds 300 PHP.

• How do I contact Finloo?

  Finloo offers support through Telegram around the clock and by email at info@finloo.business. It publishes no phone number or Philippine office.

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Last updated: 4 Nov 2026 11:38