FLIN doesn't provide fresh money loans We help customers manage and resolve their existing loans with financial institutions and lenders
• Debt Consolidation Program
Combine Multiple Loans Into One with FLIN’s Debt
Consolidation Program
Combine Multiple Loans Into One with FLIN’s Debt Consolidation Program
Fast, free, and with no commitment.
Free · Without Commitment · Private Processing
Fast, free, and with no commitment.
FLIN offers unsecured debt-management solutions through expert consultation to help you manage your debt.
Replace multiple loan payments with one simpler monthly installment with Debt Consthat’s easier to manage.
Consolidate your debts into a repayment plan with a lower monthly installment.
Our team assesses your financial situation to recommend the most suitable debt consolidation plan
Fill Out the Consultation Form
1
Share your financial details so we can check your initial eligibility.
Submit the Application Form
2
If eligible, complete the form and upload your documents.
Credit Analysis & Debt Settlement
3
We review your credit, then pay off your eligible lenders directly.
Repay with One Monthly Installment
4
One fixed payment to FLIN, no more juggling multiple loans.
Our program is designed to help salaried employees resolve their debt problems.
Nationality & Domicile
Employment Status
Documents
Stage 1 (Application)
Any valid ID such as PhilSys ID, Passport, UMID, SSS, GSIS, Driver's License, or Voter's ID.
Latest billing or SOA from your current creditors.
Your latest 6 months, submitted in PDF format.
Your latest ITR filing (Form 2316 or the equivalent from your employer).
Your latest 3 months of payslips.
Stage 2 (Verification)
Lease contract, electricity or water bill, or barangay certificate of residency.
A valid COE from your employer plus your active TIN.
Certificate or diploma of your highest educational attainment.
Signed agreements or contracts for any loans you currently have.
The signed DDA form so repayments can be auto deducted.
Explore debt settlement, debt relief, and a clearer path to debt resolution, one step at a time.
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.