FLIN doesn't provide fresh money loans We help customers manage and resolve their existing loans with financial institutions and lenders Register your interest, and we’ll notify you once we go live
#1 Debt Relief Program
SEC Registration number : 2026040247321-01
Recognized for helping Filipinos simplify debt.
We Understand Your Situation
Most of your salary goes toward loan repayments.
Frequent reminders and collection calls add more stress
Keeping track of different repayments isn't easy.
Debt affects your peace of mind and everyday life.
You’re not alone. More than 500 Filipinos have already felt the difference with FLIN.
See how FLIN manage multiple loans to one manageable monthly payment
Watch how our debt consolidation process works and what you can expect from start to finish.
PRODUCT SPECIFICATIONS
We Give You the Lowest Interest with Longer Tenure
₱50 Thousand
Combine all your debts with no collateral required
1.8% – 3%
Far lower than online loan & credit card averages
Up to 36 Months
Far longer than online loan & credit card average.
100% Unsecured
No assets required to secure your loan
THE CONSOLIDATION PROCESS
A transparent process with expert guidance every step of the way.
Complete our quick online consultation form in just a few minutes.
Our experts review your application and prepare a debt consolidation plan tailored to your needs.
Once approved, FLIN settles your eligible debts so you only make one affordable monthly payment.
Fast, free, and with no commitment.
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
or talk to us directly on WhatsAp
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, Unsecured Debt Consolidation which can help you to Combine multiple loans into one repayment plan without using collateral.
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
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.
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
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.
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).
Starting from 2.5% monthly add-on *Your actual rate depends on your financial profile.Starting from 2.5% monthly add-on
*Your actual rate depends on your financial profile.
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.
1. Makati, BGC/Taguig, Quezon City, Pasig, Mandaluyong, Manila, Parañaque, Las Piñas, Muntinlupa, Marikina, Caloocan, Valenzuela, Malabon, Navotas, Pasay, San Juan, Pateros.
2. Cavite (Bacoor, Imus, Dasmariñas, General Trias, Cavite City), Laguna (Santa Rosa, Calamba, Biñan, San Pedro), Rizal (Antipolo, Taytay, Cainta, Angono), Batangas (Batangas City, Lipa, Tanauan)
3. Bulacan (Malolos, Meycauayan, San Jose del Monte, Bocaue, Marilao), Pampanga (Angeles City, San Fernando, Mabalacat, Clark Freeport Zone)
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 6 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
– 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.
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.
Starting from 2.5% monthly add-on
*Your actual rate depends on your financial profile.
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.
