Sofi Lending Inc.

Sofi Lending Inc. / Sofi Financing Inc.

Sofi Lending Inc. was originally registered as a Philippine lending company under SEC Registration No. CS201908275 and Certificate of Authority No. 2990. Current Finbro materials identify the same corporate registration number under the name Sofi Financing Inc., with Certificate of Authority No. 1324. This indicates that the company converted or changed its legal classification from a lending company to a financing company. The current name used by the website and official application is Sofi Financing Inc.

Brand operated by the company

The company operates under the brand:

• Finbro.ph

Finbro.ph is the registered operating name of Sofi Financing Inc. It provides personal loans through an online platform and mobile application.

What Finbro does

Finbro provides unsecured personal loans to customers in the Philippines. Applications can be completed remotely without visiting an office or providing collateral.

The service is intended for unexpected expenses, household costs, medical needs, bills, purchases and other personal purposes. Borrowers can apply through the website or Android application, receive a lending decision and have approved funds transferred to a bank account or supported e-wallet.

Finbro loan terms

The current Finbro Android application publishes the following parameters:

• loan amount from PHP 1,000 to PHP 50,000;
• loan term of up to 12 months;
• APR from 0% to 144%;
• early repayment allowed;
• final terms determined through an individual credit assessment.

The application gives the following representative example:

• loan amount: PHP 1,000;
• term: 12 months;
• processing fee: PHP 660;
• interest: PHP 660;
• total repayment: PHP 2,320.

The example shows that the total borrowing cost may be substantial even when the principal amount is small. The exact rate, processing fee, repayment dates and total amount due must be checked in the Disclosure Statement before accepting the loan.

Finbro has also promoted zero-interest or zero-fee first-loan offers. Such promotions are not necessarily available to every applicant and may depend on the approved amount, term, repayment date and customer profile. The personalised offer should take priority over advertising materials.

Who can apply

According to the Finbro website, the general customer profile includes:

• age from 20 to 70 years;
• residence in the Philippines;
• a stable source of income;
• an active mobile number;
• a valid government-issued ID;
• a bank account or supported e-wallet.

Meeting these requirements does not guarantee approval. The approved amount and repayment period depend on Finbro’s credit and affordability assessment.

How Finbro works

The application process generally includes:

1. Creating an account on the Finbro website or in the app.
2. Entering personal, employment and income information.
3. Providing a valid government-issued ID.
4. Completing identity and fraud-prevention checks.
5. Selecting or requesting a loan amount.
6. Receiving an individual loan offer.
7. Reviewing the Disclosure Statement, interest, fees and repayment schedule.
8. Accepting the agreement.
9. Receiving the approved funds through a bank account or e-wallet.

The application may request camera access for identity verification and location information for fraud prevention and credit assessment.

Finbro application

The official Android application is available under the name:

Finbro.ph

Google Play package:

com.app.finbroph

Developer:

SOFI FINANCING INC.

The application was updated on 22 June 2026. An official iPhone application operated by Sofi Financing Inc. could not be confirmed during the latest review.

Finbro repayment methods

Finbro accepts payments through several channels, including:

• GCash;
• Maya;
• ShopeePay;
• 7-Eleven;
• MLhuillier;
• Cebuana Lhuillier;
• Palawan Express;
• Bayad Center;
• SM Bills Payment;
• bank transfer.

Customers should use the payment reference shown in their Finbro account. After a bank transfer, the company may require proof of payment to be sent to its collections department.

Finbro contact information

Website: finbro.ph

Customer service email: [email protected]

Google Play support email: [email protected]

Corporate email: [email protected]

Collections email: [email protected]

Customer service telephone numbers:

0962 409 2454
0917 620 0773

Collections telephone numbers:

0962 496 8911
0917 622 3795

Customer service and collections hours:

Monday to Sunday, 8:00 a.m. to 5:00 p.m.

Legal address:

23rd Floor, BGC Stopover Corporate Center, 2nd Avenue, Bonifacio Global City, Fort Bonifacio, Taguig City 1635, Metro Manila, Philippines

Current corporate details:

Sofi Financing Inc.
SEC Registration No. CS201908275
Certificate of Authority No. 1324

Finbro ph is a digital lending platform designed to provide quick and accessible personal loans to individuals in the Philippines.

Owned and operated by Sofi Lending Inc. SEC Registration No. CS201908275 SEC Certificate of Authority No. 2990. It offers loan amounts from PHP 1,000 to PHP 50,000, and the application can be completed online using a mobile device or computer. The company says it can review applications in minutes and disburse funds on the same day after approval.

Information About Finbro Online Loan

0% interest for the first loan from PHP 10,000:

• Amount from PHP 1,000 to 50,000
• Amount for new clients up to PHP 15,000
• Terms up to 12 months
• Several methods how to pay