Finloo – loan
Online loans up to ₱25,000 with 0% for first loan
Finloo is currently unreachable. Their website is returning an error, suggesting the service may have been discontinued. We recommend comparing other lenders.
Finloo is an online lending platform registered with the Securities and Exchange Commission (SEC) of the Philippines, offering fast and convenient cash loans ranging from ₱1,000 to ₱25,000. With approval in as little as 15 minutes — including 0% interest for qualified first-time borrowers, it is designed for Filipinos who need quick access to funds without the lengthy paperwork required by traditional banks.
The application process is fully digital — you can apply anytime through the Finloo website or mobile app using just your valid ID and basic personal information. Loan repayment terms range from 30 to 150 days, and funds are typically disbursed directly to your GCash wallet, Maya account, or bank account.
Finloo is best suited for short-term financial needs such as emergency expenses, utility bills, or bridging a cash gap before your next payday. The interest rate starts at 0% for first loan. Borrowers who repay on time may qualify for higher loan amounts and better terms on subsequent loans, making Finloo a practical option for building a borrowing track record.
Finloo Status Update (October 2026)
As of this update, Finloo's official website (finloo.ph) is not loading as a functioning lending platform — visitors are shown an unrelated page instead of Finloo's loan application form, consistent with the notice above. This typically happens when a lending company has shut down and lost control of its domain, or has not renewed it. If you have an existing Finloo loan, do not enter personal or banking details on finloo.ph in its current state; keep your own payment records and use whatever contact channel you originally registered with the company for any account questions. We update this page whenever a lender's status changes, so check back rather than assuming the service has resumed.
Active Alternatives to Finloo
If you were comparing Finloo for a small, fast online loan, other Philippine lending apps that were active and reachable at the time of this review include Tala, JuanHand, Digido and Cashalo. You can also browse all quick cash loans in the Philippines or check zero-interest loan offers if a promotional first-loan rate was the main draw.
✓ Pros
- Small loan amounts starting from ₱1,000 – ideal for short-term needs
- Ultra-fast approval in just 15 minutes
- 0% interest for first-time borrowers – try risk-free
- Fully digital application – no branch visit required
✗ Cons
- Short loan terms may result in higher monthly payments
- Interest rates higher than traditional bank loans
- Late payment fees and penalties may apply if payment is missed
Loan example
Example: Borrow ₱13,000 for 30 months at 0% for first loan = approx. ₱503.73 monthly payment. Total repayable: ₱15,111.76.
Loan requirements
- ✓ Valid government-issued ID (SSS, GSIS, PhilHealth, driver's license, or passport)
- ✓ Active mobile phone number registered in your name
- ✓ Active bank account or e-wallet (GCash or Maya) for loan disbursement
- ✓ Age requirement: 21-60 years old
Loan features
- 0% interest promotional rate for first-time borrowers
- Loan amounts: ₱1,000 to ₱25,000
- Repayment term: 30 to 150 months
- Approval time: 15 minutes
- Funds disbursed via GCash, Maya, or bank transfer