Frequently Asked Questions

We don't have fix interest rate. Interest rate will depend on your credit score & trustworthy. After evaluating your application, you will get an email with the details if your application has been accepted or rejected. If approved, you will get an email regarding with your interest rate, estimated repayment and loan term before accepting the DEAL.

Once application is received, Credit Team will check all the documents within 24-48 business hours. Total processing time will be 2-3 business days. One of the consultants will reach out to you if there are any information or documents needed for the assessment.

For loan disbursement, you can choose either bank transfer or Instapay via Gcash, Maya or Coinsph. 

Please be advised that interbranch fee or any transfer fees will be deducted to your receivable amount. 

You will receive a separate email with the instruction on how to pay your scheduled loan. Please be advised that we don't accept cash as you need to send a copy of your receipt via email for our billing team to have it recorded. 

NO RECEIPT, MEANS NO PAYMENT!

YES. You can pay your loan early and there will be no termination fee. Interest rate is fixed base on the assessment. 

YES. All borrowers have an option to do a refinance as long as they don't have any failed payments or any payment issues in our system. You can email our support@financeph.com for more information. 

NO, all transactions are being processed through online. 

Auto approved loans are only for those repeat borrowers that has a good credit standing and good payment history in our system. You will receive an email once you are eligible.

Check your credit score now at CIBI through Lista ph.

Quick loan - Minimum loan is 500 pesos and maximum of 2,000 pesos.

Secured Loan - Minimum loan is 5,000 pesos and maximum of 50,000 pesos.

Unsecured Loan - Minimum loan is 3,000 pesos and maximum of 15,000 pesos.

Quick loan - Maximum loan term is 7 days only. 

Secured Loan - Maximum loan term is 5 months.

Unsecured Loan - Maximum loan term is 3 months.

Yes! Applicants who wish to check their credit file or score will have to pay 199 pesos upfront from CIBI service through LISTA PH app. All approved applicants will get reimburse once application is approved while applicants who got declined due to low credit score will not be refunded. 

It is 100% secured and safe. CIBI Information, Inc. or CIBI, formerly known as Credit Information Bureau, Inc., is the first and the only local credit bureau in the Philippines. CIBI started as a government entity under the Central Bank of the Philippines Department of Loans and Credit to initiate a credit information exchange system in the country. 

CIBI are the leading credit bureau in the Philippines providing workforce, business and consumer solutions to enable faster and better decision-making across the lending and hiring space.

Your credit score is a three-digit number representing your creditworthiness or ability to pay off a loan based on the information in your credit report. In short, this number can make or break your finances.