FLIN doesn't provide fresh money loans
We help customers manage and resolve their existing loans with financial institutions and lenders
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#1 Debt Relief Program
Loans restructured
Lives impacted
ISO 27001 certified
FLIN provides options tailored for you so you can move forward at a pace that feels realistic
For employees who want debt consolidation with longer repayment periods without using collateral
For employees who prefer a secured approach, with the flexibility of longer tenors and property as collateral
FLIN helps negotiate with lenders to create more manageable repayment terms
Simplify repayments with one clear plan by combining multiple debts into a single, manageable structure
Get a manageable monthly repayment structure designed to better fit your financial situation
Receive guided recommendations tailored to what best fits your financial condition
Stay on track with ongoing support to help you confidently resolve your debts
4.7★ rating on Google
Find out what our customers have to say about their experience!
“Throughout the process, the FLIN team was very supportive. They not only reviewed my documents but also gave helpful guidance so I wouldn’t fall into the same debt cycle again. In the end, all my debts were resolved through a single repayment plan, making everything much easier to manage.”
Total debt: ₱335.000
“The process with the FLIN team was very helpful. During the discussions, they listened carefully and explained everything transparently. The team was also very friendly and supportive throughout the process.”
Total debt: ₱230.000
“The process with FLIN started with a consultation with the support team. After submitting the required documents, the credit team quickly reviewed my case. Within about a week, everything, from application to disbursement, was completed smoothly and professionally.”
Total debt: ₱270.000
Our advisors can help you understand the FLIN program, eligibility, requirements, and repayment options.
Speak with a financial advisor
Understand if you qualify
Get guidance on the best solution for your situation
FLIN is a platform that helps borrowers manage multiple debts through debt consolidation and structured repayment plans.
We support people who are struggling to repay their loans by organizing their debts into a more manageable repayment plan.
FLIN offers three solutions designed to help borrowers manage and repay their debts:
Currently, we assist in settling unsecured loan obligations such as credit cards, online loans, cash loans, personal loans, and paylater services.
Debt Consolidation is the process of combining multiple loans into one single loan with a lower interest rate, lower installments, extended tenor (up to 48 months), and fixed monthly payment. This simplifies debt repayment and reduces financial stress.
CEO Suites, LKG Tower, 37th Floor, 6801 Ayala Avenue, Makati City, Manila 1226, Philippines
FLIN offers three solutions, Unsecured Debt Consolidation, Secured Debt Consolidation, and Debt Mediation.
Instead of simply adding new debt, FLIN focuses to help you in merging multiple loans into one new repayment plan with longer tenor and lower interest rate.
An online loan gives you additional money, adding to your existing debt. Debt Consolidation combines your current debts into one payment with a lower interest rate and longer tenor
Secured Debt Consolidation is a program which allows borrowers to combine multiple debts into one repayment plan by using property as collateral.
This option may provide lower interest rates and longer repayment periods, making monthly payments easier to manage.
No. FLIN does not provide fresh cash or new loans.
FLIN only provides debt consolidation, which combines your existing debts into one repayment plan to make payments easier to manage.
Yes. FLIN Financing Corporation is registered with the Securities and Exchange Commission (SEC).
FLIN is not publicly listed on the stock exchange. It operates as a fully compliant financing corporation under Philippine law.
Unsecured debt consolidation combines multiple debts into one monthly repayment plan without requiring collateral. It is designed for professionals who want a simpler way to manage their debts without using property or personal assets.
FLIN negotiates directly with your lenders to reduce your debt and create more manageable repayment terms. No new loan is involved.
FLIN’s program focuses on debts with financial institutions such as banks, online lenders, or credit card providers.
Consultations, document submissions, and interviews may be completed online. However, the debt settlement process and post-disbursement financial literacy sessions must be conducted in person.
Yes. Your personal data is used solely for financial assessment and application processing purposes and is handled in accordance with SEC Lending Laws.
No. The consultation is intended to provide clarity on your options, and you are free to decide whether to move forward.
After your application is approved (IPA), you may be asked to visit the FLIN office for final verification, financial guidance, and to complete the disbursement process.
FLIN needs your financial information to understand your debts, income, and monthly expenses. This allows us to assess your situation and recommend the most suitable repayment solution. Your information is handled securely and used only for this assessment.
The documents requirement are divided into two phases
Initial Stage:
● Valid government-issued ID (e.g., PhilSys National ID)
● Latest 3 months’ bank statements
● Latest 3 months’ salary slips
● Annual tax document (BIR Form 2316)
Financial Health Checkup Stage:
● Proof of address (e.g., Utility Bill, Barangay Certificate, or Lease Contract)
● Certificate of employment
● Last education certificate
● Transfer Certificate of Title (TCT) – for Secured debt consolidation program only
● Letter of Attorney – for debt mediation program only.
● Other documents as outlined in the IPA
For Debt Consolidation (Unsecured & Secured):
– Consultation – Share your financial situation with our team.
– Debt Review – We assess your debts and financial capacity.
– Solution Planning – We recommend the most suitable program for you.
– Document Submission – Submit the required documents for review.
– In-Principal Approval (IPA) – Receive your approved loan terms.
– Office Visit & Success Fee – Visit FLIN office to complete payment.
– Disbursement – Funds are paid directly to your creditors.
For Debt Mediation:
– Consultation – Share your financial situation with our team.
– Debt Review – We assess your debts and financial capacity.
– Solution Planning – We identify the best negotiation strategy.
– Creditor Negotiation – We negotiate better terms with your lenders.
– New Repayment Plan – You receive the adjusted terms from creditors.
An IPA is a document from FLIN confirming that you are eligible for the debt consolidation program. It outlines your approved loan amount, interest rate, repayment tenor, and monthly installment.
It depends on the program:
FLIN does not send funds to your personal account. Instead, payments are transferred directly to your creditors to settle your existing debts as part of the debt consolidation process.
No. FLIN does not transfer funds to your personal account. Payments are sent directly to your lenders to settle your existing debts.
Processing time may vary depending on the number of lenders involved and the verification process. Once your application is approved and all requirements are completed, the average disbursement processing time is around 2 hours. Your FLIN consultant will confirm the timeline during the process.
The success fee is an upfront payment of approximately 5% of the approved disbursement amount. It is paid at the FLIN office before the funds are released to your creditors.
If the disbursement is unsuccessful, the success fee will be refunded.
Debt relief can have varying effects on your credit score. Successfully completing the program and paying off your debt can significantly improve your credit rating in CIC, as well as other credit bureaus in Philippines. With a better credit score, you may qualify for new home or car purchases, or other personal loans from formal banks at much lower interest rates.
Let’s turn the chaos into a clear plan, one step at a time
