If your utang feels heavy, FLIN is ready to help you
We can organize your debts through debt consolidation and clearer repayment plans
Getting to know FLIN
Understand more about how we help you
A Smarter Way to Handle Debt
If you have several loans, FLIN helps organize them through debt consolidation.
A Clearer Repayment Plan
Instead of paying many lenders every month, FLIN helps create one clearer repayment plan that fits your financial situation.
Safe & Trusted
FLIN operates under the proper regulatory framework, ensuring every process is secure, transparent, and reliable.
Clear & Transparent Process
Every step is clearly explained so you understand how the solution works and can move forward with confidence.
Find the Difference Between FLIN and Others
See how FLIN compares to typical online lenders in the Philippines
| Factor | FLIN | Online Lenders |
|---|---|---|
| What They Do |
|
|
| Tenor | Up to 36 months | Max only for 2 months |
| Interest Rate |
| Minimum at 2.9% per month. |
| Process |
|
|
| Guidance & Support |
| None |
FLIN's Principles
Clarity in Purpose
We move with transparency and focus, ensuring every step we take aligns with our mission to help as many people as possible.
Act for Impact
Every action we take is designed to deliver real, measurable impact on the lives of our clients and the wider community.
Responsibility at Heart
We operate with full accountability and ensure the well-being of our clients — grounded in integrity and genuine care.
Empathy First
We listen deeply, understand wholeheartedly, and serve with sincerity to help people build a better life.
Frequently Asked Questions
Still Have Questions?
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
Can FLIN help settle personal debts to relatives or friends?
The program focuses on institutional debt. However, consultants can help you create a structured repayment strategy for personal obligations.
Can the entire process be done online?
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.
What services does FLIN offer?
FLIN helps ease debt burdens by negotiating lower interest rates and consolidating loans for better manageability.
Our services include:
- Debt consolidation – Combining multiple loans into a single monthly installment.
- Debt restructuring – Adjusting payment schemes based on financial conditions.
- Debt refinancing – Replacing an existing debt obligation with a new loan, with lower interest rates, reduced monthly payments.
When FLIN was established?
FLIN was established around December 2024.
Will the funds be transferred to my account?
Depending on the structure, funds are often allocated directly toward settling existing debts to ensure proper use of the program.
How does the process work?
- Fill in the Consultation Form: Customer fills out a free consultation form.
- Initial Consultation: FLIN reviews customer data and contacts the customer for an initial free consultation.
- Documents Submission: Eligible customers submit documents via the Application Form. To expedite, you are encouraged to apply directly through the consultation form.
- Financial Health Assessment: FLIN analyses your financial condition and prepares a debt relief proposal, called In-Principal Approval (IPA).
- IPA Acceptance and Debt Confirmation: Customer agrees to the IPA and pays the agreed success fee upfront.
- Debt Mediation: FLIN and its partner negotiate debt with creditors (if applicable).
- Debt Settlement: Customer comes to the FLIN office for the debt settlement process.
- Repayment: The customer pays instalments according to the program agreement.
Why do you need access to my financial information?
To conduct a proper evaluation of your debt-to-income ratio and repayment capacity in order to identify the most suitable financial solution.
How does debt relief affect my credit score?
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 the 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.