FLIN doesn't provide fresh money loans We help customers manage and resolve their existing loans with financial institutions and lenders

(63) 960 532 3859

Free Consultation

Free Debt Consultation, Walang Judgment!

Reach out for a free, no-commitment consultation. Our team will help you turn multiple loans into one clear, manageable plan.

Before FLIN
Credit Card
₱ 200,000.00
Quick Cash Loan
₱ 100,000.00
PayLater
₱ 100,000.00
Total installment/month ₱ 25,000.00
After FLIN
✓ FLIN Debt Consolidation Plan
₱ 11,000.00/month
One payment • 36 months
★★★★★ 4.7
Save 60%
FLIN Consultation Form
Free Consultation No Collateral Required
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Personal Info
2
Financial Info

Consultation Form

Complete the data below to continue with the consultation

English | Filipino

Used for consultation & follow-up

+63

Used for consultation & follow-up

Free Debt Consultation, Walang Judgment!

Reach out for a free, no-commitment consultation. Our team will help you turn multiple loans into one clear, manageable plan.

Before FLIN
Credit Card
₱ 200,000.00
Quick Cash Loan
₱ 100,000.00
PayLater
₱ 100,000.00
Total installment/month ₱ 25,000.00
After FLIN
✓ FLIN Debt Consolidation Plan
₱ 11,000.00/month
One payment • 36 months
★★★★★ 4.7
Save 60%
How FLIN'S Works
Your Journey to Financial Freedom
01 Tell us your story Fill out a short consultation form and talk it through with our team. No judgment, no obligation.
02 We review your finances If you're eligible, submit your application form and our credit team looks at what fits your situation.
03 Get your early approval Qualify and you'll receive an in-principle approval (IPA) for debt consolidation, before any final paperwork.
04 We handle the rest FLIN consolidates your debt and works with you until you're living debt-free.
Debt Consolidation Calculator

Check Your Eligibility in Just 30 Seconds!

Fast, free, and with no commitment.

Free check No commitment Secure process
Financial Information
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Primary income is required
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₱
Required (enter 0 if none)
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Loan amount is required
Calculation results will appear here Fill in the form on the left, then click
"Check Eligibility Now"
Great News! 🎉
You are eligible for a Debt Consolidation.
Here is your estimated plan.
Debt Consolidation Amount
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Tenor
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Monthly Installment Comparison
Before FLIN
Estimated Installment
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After FLIN
Debt Consolidation Installment
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Savings
Savings / Month
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Not Eligible Yet
Your debt load is currently too high for a Debt Consolidation.
But don't worry — we can still help you.
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One More Step
Mediation Scheme Tailored to Your Situation
Here are the monthly financial conditions if you apply for the Mediation Program.
Debt Consolidation Installment (36 mo)
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+ Secured Loan Installment
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Total Monthly Obligations
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Remaining for Living Expenses
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Income used for debt installments —
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FLIN Debt Mediation negotiates debt reduction for you within 6 months, making the Debt Consolidation more affordable — while still setting aside funds each month.
How much money can you realistically set aside each month? (Use the slider below to adjust to the amount you can save)
₱ 0
Savings in 6 Months
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Negotiation Discount (20%)
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Total Debt Reduction
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Remaining Debt After 6 Months
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Estimated 36-Month Debt Consolidation Installment
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Income used for debt installments before the program —
Income used for debt installments after the program —
You can apply for a Debt Consolidation in 4 - 6 months.
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Almost There, Do These Things to Qualify
The debt mediation program can help your finances. For now, the estimated savings do not yet meet the criteria for the Debt Consolidation. The FLIN team will help you qualify.
Extend the Debt Mediation Program
If additional time is needed to meet the Debt Consolidation requirements or an affordable installment level, the Debt Mediation Program can be extended by up to 6 more months, subject to satisfactory progress.
Gather Additional Income
Bonuses, holiday allowances (THR), or freelance income earned during the next 6 months.
Soft Loans From Family, Friends, or Employer
A short-term, interest-free bridge to close the gap.
Asset Disposal/Liquidation (Last Resort)
Releasing pledged assets can reduce monthly obligations, while asset liquidation can provide funds to pay off existing online loan balances.
Total Benefit for You
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Your savings + negotiated amount
vs
FLIN Program Fee
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10% of debt handled
Benefits far exceed the costs
Every rupiah you pay to FLIN works to eliminate multiple rupiahs of debt — and gives you a realistic path back to financial stability.

FAQ

Frequently Asked Questions

  • The FLIN team will review your application within 1 working day (1×24 working hours). We'll then contact you via WhatsApp for an initial consultation.

  • No. Instead of pushing new high-interest short-term loans, FLIN consolidates your existing debts into one structured, more manageable repayment plan.

  • Yes. We use your information only to assess your situation and build the right plan for you, handled according to applicable regulations.

  • A government-issued PH, your latest 3 months' payslips and latest 6 bank statements, and your annual tax document. Additional documents may be requested at the financial health checkup stage.

  • Only after approval-in-principle (IPA) and before disbursement to your creditors, and it's refunded if the funds are not released.