Debt Consolidation
Program
Combine Multiple Loans Into One with FLIN’s Debt Consolidation Program
Check Your Eligibility for a Consolidation Loan in Just 30 Seconds!
Fast, free, and with no commitment.
Requirements & Eligibility
- Minimum income ₱25,000/month
- Salaried — private company / GOCC / 2-year contract
- Domicile in Metro Manila; Cavite, Rizal, Batangas, Laguna; Bulacan and Pampanga
Documents
- Government-issued ID (e.g., PhilSys National ID) and a selfie
- Latest 3 months’ salary slips
- Latest 6 months’ bank statements
Debt Amount
- Total unsecured debt from ₱50,000
- Tenor up to 36 months
- One organized installment
Free · Without Commitment · Private Processing
Check your eligibility for Debt Consolidation Program
Fast, free, and with no commitment.
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Fill in the form on the left, then click
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Does Any of This Sound Familiar?
Too many monthly repayments
Keeping up with multiple due dates every month is stressful and easy to miss.
Your debt isn’t getting smaller
High interest means you pay every month, but your balance barely changes.
Collection calls are becoming stressful
Constant reminders and follow-ups can affect your peace of mind.
Not sure which solution is right?
With so many options available, it’s hard to know where to begin.
How Does FLIN Help You Settle Your Debt?
FLIN offers unsecured debt-management solutions through expert consultation to help you manage your debt.
Combine Multiple Debts into One
Replace multiple loan payments with one simpler monthly installment that’s easier to manage.
Lower Your Monthly Payments
Consolidate your debts into a repayment plan with a lower monthly installment.
Designed Around Your Financial Needs
Our team assesses your financial situation to recommend the most suitable debt consolidation plan.
4 Steps to Do:
Fill Out the Consultation Form
Share your financial details so we can check your initial eligibility.
Submit the Application Form
If eligible, complete the form and upload your documents.
Credit Analysis & Debt Settlement
We review your credit, then pay off your eligible lenders directly.
Repay with One Monthly Installment
One fixed payment to FLIN, no more juggling multiple loans.
Requirements & Terms for Debt Consolidation
Our program is designed to help salaried employees resolve their debt problems.
Nationality & Domicile
- Government-issued ID (e.g., PhilSys National ID) — must still be valid
- Domicile in: Metro Manila Region, Cavite, Rizal, Batangas, Laguna, Bulacan, or Pampanga
Employment Status
- Salaried employee — private company / GOCC / min. 2-year contract
- Minimum fixed income ₱25,000/month
- Last education certificate
- Other documents as outlined in the IPA
Documents
- Government-issued ID (e.g., PhilSys National ID) + a recent selfie
- Latest 3 months’ salary slips
- Latest 6 months’ bank statements
Documents to Prepare
Stage 1 (Application)
Government-issued ID
Any valid ID such as PhilSys ID, Passport, UMID, SSS, GSIS, Driver’s License, or Voter’s ID.
Statement of Account (SOA)
Latest billing or SOA from your current creditors.
Bank statements (latest 6 months)
Your latest 6 months, submitted in PDF format.
Annual tax document (ITR)
Your latest ITR filing (Form 2316 or the equivalent from your employer).
Salary slips (latest 3 months)
Your latest 3 months of payslips.
Stage 2 (Verification)
Proof of address
Lease contract, electricity or water bill, or barangay certificate of residency.
Certificate of Employment & TIN
A valid COE from your employer plus your active TIN.
Last education certificate / diploma
Certificate or diploma of your highest educational attainment.
Existing loan agreements
Signed agreements or contracts for any loans you currently have.
Auto-debit authorization form
The signed DDA form so repayments can be auto deducted.
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
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.
Handa ka na bang magsimula, walang judgment
Explore debt settlement, debt relief, and a clearer path to debt resolution, one step at a time.