Finami — loans online in Philippines

Finami.ph is an online platform in the Philippines that helps users quickly apply for fast and easy loans 24/7.

0% interest if you pay back on the first payment date.

• Amount from PHP 1,000 to 25,000
• The first payment in a month
• The annual interest rate on the loan ranges from 4% to 916%

Finami connects borrowers directly to various financial institutions without intermediaries, offering instant approval and fast money transfer, often within minutes, using InstaPay. Loans can have interest rates starting from 0.01%, with 0% interest if repaid on the first payment date. The service is available to Philippine citizens aged 18 and above and does not require a good credit history. Loan terms and amounts vary depending on the lender’s offer

Advantages of Finami service

• The service works 24/7
• Personal offers
• Processing of the request almost immediately
• We don’t care your credit history
• All you need is internet, ID and a bank account
• Online service available anywhere in Philippines

Basic requirements for borrowers

• Age from 18 years
• The presence of citizenship of Philippines (requires a citizen`s passport). 

Easy Steps to get a Cash Loan with Finami

• Apply for loan. Complete the application process in 3 minutes.
• Wait for approval. In a few minutes you will receive our decision thru SMS or call.
• Get money. You`ll receive money in less than 5 minutes (using InstaPay).

Frequently Asked Questions (FAQ)

How fast can I get my loan approved?

Approval usually takes only a few minutes after application, with notification via SMS or call.

What are the basic requirements to apply?

You must be at least 18 years old, a Philippine citizen with a valid passport, and have an active bank account for disbursement.

Do I need a good credit history to apply?

No, Finami does not consider your credit history when processing loan applications.

How can I receive the loan funds?

Money is typically transferred to your bank account via InstaPay in less than 5 minutes after approval.

What interest rates does Finami offer?

Interest rates vary from 4% up to 916% per annum depending on the lender; however, if you repay on the first payment date, you may pay 0% interest.

Can I repay the loan early to avoid interest?

Yes, paying back on the first payment date can result in 0% interest, reducing the total repayment amount.

Is Finami a bank or a direct lender?

No, Finami is a service platform that connects borrowers to credit institutions and lenders; it is not a bank or lender itself.

What happens if I miss a payment?

A commission of 0.1% on the outstanding amount is charged for late payments.

Can I apply for a loan anytime?

Yes, Finami operates 24/7, including weekends and holidays.

How much can I borrow and for how long?

Loan amounts can go up to PHP 25,000 with repayment terms up to 12 months, depending on the lender.

Example of calculating a loan: Loan size - 1000 PHP, duration - 3 months, interest - 48% per annum. ((48/12 * 3) / 100 * 1000) + 1000 = 1120 PHP. Total amount of payment: 1120 PHP