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
FLIN helps people in the Philippines manage debts through debt consolidation solutions that are clear, supportive, and walang judgment
Multiple loans from different sources can gradually become difficult to manage.
To fix alignment of several debts at once can make it feel like you’re not making real progress.
Without guidance, it can be difficult to find the right way to manage your debts.
FLIN offers multiple ways to help you manage and repay your debt. Select the option that first your financial situation
Unsecured
For employees who want a structured debt repayment plan without using collateral.
Key benefits:
MINIMUM DEBT TO CONSOLIDATE
₱25,000
INTEREST RATE
2.5% – 3.5%
TENOR
Up to 36 months
SECURED
For employees who prefer a secured approach, with the flexibility of longer tenors and property as collateral.
Key benefits:
MINIMUM DEBT TO CONSOLIDATE
₱25,000
INTEREST RATE
2.0% – 3.0%
TENOR
Up to 48 months
MEDIATION
FLIN helps negotiate with lenders to create more manageable repayment terms.
Key benefits:
Fill out a quick consultation form to get started
If eligible, our team will contact you for a free consultation
Complete the application and submit the required documents
Our credit experts review your profile and issue an IPA (In-Principal Approval) if approved
Pay a one-time success fee and we proceed with settling your existing loans
Your loans are consolidated into one new loan with an easy monthly installment
Fill out a quick consultation form to get started
If eligible, our team will contact you for a free consultation
Complete the application and submit the required documents
Our credit experts review your profile and issue an IPA (In-Principal Approval) if approved
Pay a one-time success fee and we proceed with settling your existing loans
Your loans are consolidated into one new loan with an easy monthly installment
Share your financial situation so we can understand your challenges
We review your existing debts and repayment obligations
Our team identifies the best approach to resolve your debts
We work with relevant parties to negotiate and create a more manageable repayment plan
We continue supporting you toward a more stable financial future
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
Unsecured Debt Settlement (Without Collateral)
For employees who want to combine multiple debts into one repayment plan without using personal assets as collateral.
✓ Consolidate debts starting from ₱ 25,000
✓ Lower monthly add-on interest starting from 2.5%
✓ Flexible tenor up to 36 months
✓ No collateral required
Secured Debt Settlement (With Collateral)
Ideal for professionals who want secured debt consolidation using property as collateral, with access to higher limits and longer repayment periods.✓ Consolidate debts starting from ₱ 25,000
✓ Lower monthly add-on interest starting from 2%
✓ Extended tenor up to 48 months
✓ Property-based collateral
Debt Mediation
A structured mediation approach for unsecured debts, focused on negotiating directly with lenders to reduce financial pressure and secure more manageable repayment terms.
✓ Direct lender negotiation support
✓ Interest rate review and reduction requests
✓ Restructured repayment plans
✓ End-to-end professional assistance
Property with a Transfer Certificate of Title (TCT) issued by the land registration authority is required. During the Financial Health Checkup stage, you will need to submit your TCT for assessment.
The key differences are:
It also combines your multiple debts into one monthly payment, but uses property as collateral. In return, you may get lower interest rates and a longer tenor of up to 48 months.
It combines your multiple debts into one monthly payment, no collateral needed. Ideal for professionals who want a structured repayment plan without putting any personal assets at risk.
Instead of taking a new loan, FLIN negotiates with your creditors on your behalf to lower interest rates, reduce penalties, or restructure your repayment terms into something more manageable.
With Debt Consolidation, your existing debts are combined into a single new loan with a structured repayment plan. With Debt Mediation, there is no new loan — instead, FLIN negotiates directly with your creditors to adjust your existing terms, such as lowering interest rates or restructuring repayment schedules.
The minimum income requirement is PHP 25,000 and this is applied for all 3 programs.
Initial Stage:
Financial Health Checkup Stage:
Processing time varies depending on document completeness and partner review, but initial assessments are typically done within 3-5 working days.
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 data is used only for financial assessment and processing your application. All information is handled in compliance with Philippine data privacy laws and SEC regulations.
Eligibility depends on factors such as your income, total outstanding debt, repayment history, and overall financial situation. The best way to find out is to start a consultation, where a FLIN consultant will review your case and recommend the most suitable solution.
No. The consultation is intended to provide clarity on your options, and you are free to decide whether to move forward.
FLIN’s Debt Settlement Program is designed to help you reduce and better manage your existing debts. The program includes a simple and transparent fee structure:
Success Fee
A one-time service fee of approximately 5% of the approved disbursement amount, paid before the disbursement to your lenders is processed.
Lender’s Fees
Approximately 5% of the disbursed amount, which is included in your repayment plan and paid gradually through your monthly installments.
Your FLIN consultant will explain all costs clearly before you proceed.
Fees are structured according to the agreed program and generally amount to approximately 5% of the total disbursed loan.
No. FLIN sends all payments directly to your lenders to ensure your debts are properly settled. No funds will be transferred to your personal account.
2,0% – 3,0% flat interest per month.
The monthly add-on interest rate starts from 2.5%, depending on your financial profile and credit assessment.
After disbursement, you will follow a fixed monthly repayment schedule as outlined in your loan agreement. Payments are made directly to FLIN’s partner lender through bank transfer or other approved payment channels. You only need to manage one payment each month, no more juggling multiple due dates across different creditors.
FLIN aims to create a more manageable repayment plan for your debts. In many cases, borrowers are able to reduce their monthly installment through a longer repayment period or improved interest terms, depending on eligibility
In some cases, the repayment period may be extended to help create a more manageable monthly payment.
FLIN’s program is designed to help you regain control of your finances. Any potential impact on your credit record will be explained by your FLIN consultant before you decide to proceed.
It is still possible to explore options. The sooner you consult, the better the chances of finding a structured solution.
Reach out to our team via care@flin or support@flin for any assistance required during the Debt Consolidation Program.
Your property serves as collateral for the duration of the loan. It is important to maintain your repayment schedule, as failure to do so may result in the collateral being subject to recovery proceedings as outlined in your agreement.
FLIN will negotiate on your behalf to secure the best possible outcome if you opt for Debt Mediation. However, the final terms are subject to each creditor’s approval and policies.
