Finbro review
The strongest registration position of anything we list: the SEC itself has confirmed that Finbro.PH is the online lending platform recorded to SOFI Financing, Inc. It publishes its amounts, terms and a worked cost example openly, and its app asks only for camera and location rather than your contacts. Recommended if you need a larger amount or a longer term — but do the arithmetic first, because its own twelve-month example repays ₱2,320 on ₱1,000.
Best for Larger amounts, up to ₱50,000
Finbro lends its own money, so the company you apply to is the company that holds your loan.
SOFI FINANCING INC. holds an SEC Certificate of Authority (CA No. 1324) and appears on the SEC list of recorded online lending platforms. Checked 2026-07-26.
The operator publishes Certificate of Authority No. 1324; a number of review sites state 2990. We have confirmed the operator and the OLP recording from an SEC advisory but have not yet matched the CA number itself against the SEC list, so we quote the operator figure and flag the discrepancy.
Our assessment
7.5/10 — Good
Assessed on 6 of 6 criteria, covering 100% of the rubric weight. How we rate
- Regulatory standing · 25%
- 9/10
- Cost of credit · 20%
- 3/10
- Cost transparency · 20%
- 9/10
- Who you borrow from · 15%
- 9/10
- Data handling · 10%
- 8/10
- Getting approved · 10%
- 7/10
Key facts
| Loan amount | ₱1,000 – ₱50,000source |
|---|---|
| Repayment term | Up to 12 monthssource |
| Advertised rate | 0% – 144% APRsource |
| Fees | Published example: ₱1,000 over 12 months — ₱660 processing plus ₱660 interest, repay ₱2,320source |
| First-loan offer | See lender terms |
| Registered name | SOFI FINANCING INC. |
We publish a figure only where we can point at the provider’s own published page. Everything else says “see lender terms”.
Who it suits
Suits you if you would rather know exactly who holds your loan and keep your details with one company. Check its published terms against the effective-rate ceiling before you apply.
Trade-offs
In its favour
- You borrow from the company you applied to: one credit check, one point of contact, one company holding your data
- Terms come from the lender itself rather than a range across unnamed partners
- Easier to hold to account, because there is a named licensee behind the loan
Against it
- Its own published example repays ₱2,320 on a ₱1,000 loan — a total cost of 132% of what you borrowed. Legal, because a 12-month term falls outside the bracket the SEC caps, but worth doing the arithmetic before you sign
- Two counterfeit apps using the Finbro name — "Finbro: Financial Focus" and "Finbro PH – Personal Finance" — were the subject of an SEC advisory in June 2026. Check the developer is SOFI Financing before installing anything
- One set of eligibility rules. If you do not fit them you are declined outright rather than matched elsewhere
- A single lender is rarely the cheapest option for every borrower profile
Before you apply
- Ask for the total cost in pesos, not the daily rate. Then put it through the loan calculator to see the effective rate and whether it sits inside the ceiling.
- Check the operator name on the SEC lists — the brand on the app is often not the licensed company.
- If an app asks for your contacts or photos, that is the setup for the debt-shaming this market has a history of. Refuse it.
We earn a commission when you apply through some of the links on this page, and that can affect the order providers appear in. It does not affect whether we tell you a provider is a broker rather than a lender, or that we could not verify its registration.
Borrow only what you can repay. Compare the effective interest rate, including fees, rather than the advertised daily or monthly rate — they are not the same number. Missing payments adds penalties and is reported to the credit bureau. If a lender or collector threatens you or contacts the people in your phone, that is prohibited, and you can report it to the SEC.
Borrower reviews
Nobody has submitted a review of Finbro yet. When they do, they appear here in full — we do not write them ourselves and we do not buy them in.
Borrowed from Finbro?
Tell other people what actually happened — the amount you were offered, the fees you were charged, how collection was handled. We publish real submissions only, and we read each one first.
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What we still have to check on this provider (6)
- Confirm the registered corporate name and Certificate of Authority on the SEC list
- Check the SEC advisories list for both the brand name and the operator name
- Record amount range, term range and advertised rate from the provider's own published page, with the URL
- Note which fees are charged up front and whether they are disclosed before application
- If there is an Android app, list the permissions it requests, especially contacts and storage
- Check whether it appears on the SEC list of recorded Online Lending Platforms, not merely incorporated
Published openly on purpose. A review that hides its own gaps is asking you to trust it more than it has earned.
Last reviewed 2026-07-25.