Is Finbro legit?
Finbro is on the SEC list, but its published top rate is above the SEC caps on a ₱5,000, 120-day loan. It is run by Sofi Financing Inc (SEC Reg. No. CS201908275, CA No. 1324). The SEC list dated Sep 29, 2026 records it as "finbro.ph". Being registered does not make every charge lawful: a charge above the caps can be reported to the SEC. SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "finbro.ph" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Sofi Financing Inc., CS201908275 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 1324 (as printed by Finbro) | Google Play, updated Jul 23, 2026 |
| SEC notices naming the app or lookalikes | 3 documents, latest SEC advisory on an app and Facebook pages using Sofi Financing's name of Jul 8, 2026 | SEC, Jul 8, 2026 |
| Price published | Yes: APR 0% to 144%. Its example: ₱1,000 for 12 months with a ₱660 processing fee and ₱660 interest. | Google Play, updated Jul 23, 2026 |
| Loan amount and term | ₱1,000 to ₱50,000, over Up to 360 days | Google Play, updated Jul 23, 2026 |
| Google Play rating | 2.8 of 5 from 261 ratings, 100K+ installs, as of Oct 2, 2026 | Google Play, updated Jul 23, 2026 |
On ₱5,000 for 120 days, Finbro's published terms come to at most ₱2,367 in interest and fees: Finbro states a combined interest-and-fees rate of 11.8% a month, which works out to an all-in cost of 17.5% a month on the cash you receive because you repay in instalments but pay interest on the original amount the whole time. Finbro on Google Play, updated Jul 23, 2026
Working: 144% a year × 120/365 days × ₱5,000 = ₱2,367 (interest and fees). The all-in rate is the monthly rate at which 4 payments of ₱1,842 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Above the SEC caps for this loan: no separate interest rate to test against the 6% cap; all-in 17.5% a month against the 12% cap (above it) (SEC MC No. 14 s.2025, effective Apr 1, 2026). SEC MC No. 14 s.2025
Next: check the worked Disclosure Statement below, then compare Finbro with the other recorded apps, or get it from its official Google Play listing.
Also known as Finbro.ph.
Finbro interest rate and what you pay back
APR 0% to 144%. Its example: ₱1,000 for 12 months with a ₱660 processing fee and ₱660 interest.Its own example, ₱1,000 for 365 days
Loan Amount: ₱1,000; Term: 12 months; Processing fee: ₱660; Interest rate: ₱660; Total Repayment: ₱2,320
- You pay back
- ₱5,000 to ₱7,367
- Cash you receive
- ₱5,000
- Interest and fees
- ₱0 to ₱2,367
- All-in cost (EIR) a month, at most
- 17.5%
- Share of the loan
- 47.3%
Terms from Finbro's Google Play listing, updated Jul 23, 2026. The calculator gives the same ₱2,320 for Finbro's own example. Documentary stamp tax on a ₱5,000 loan for 120 days is about ₱12.33 (NIRC Sec. 179); check whether the Disclosure Statement passes it on. DST calculator Source
Finbro Disclosure Statement, worked out: ₱5,000 for 120 days
Finbro must give you this statement in writing before the loan is made (RA 3765, the Truth in Lending Act, Sec. 4). These are the figures it should show at its published maximum; if yours differ, ask why before you accept.
| Figure | Inputs | Rule | Result |
|---|---|---|---|
| Amount financed | ₱5,000 borrowed, nothing taken off | RA 3765 Sec. 4(5) | ₱5,000 |
| Interest and fees (one combined rate) | 144% a year × 120/365 days × ₱5,000 | Finbro's published maximum | ₱2,367 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱2,367 |
| Simple annual rate | Finbro publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 144% |
| Late penalty, at most | 5% × ₱7,367 due | SEC MC No. 14 s.2025 Sec. 3 | ₱368 a month |
| All charges together, at most | 100% × ₱5,000 | SEC MC No. 14 s.2025 Sec. 3 | ₱5,000 |
| Documentary stamp tax on the loan | ⌈₱5,000 ÷ ₱200⌉ × ₱1.50 × 120/365 | NIRC Sec. 179, as amended by RA 10963 | ₱12.33 |
| Owed to you if the statement leaves one out | Greater of ₱100 or 2 × ₱2,367, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱2,000 |
Should you borrow from Finbro?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱2,067 less than Finbro's published maximum of ₱2,367.
Choose Finbro if
- you want to spread payments over as long as 360 days.
- you need up to ₱50,000.
Skip Finbro if
- you borrow ₱5,000 for 120 days at its top rate: that is above an SEC cap.
- you weigh user ratings: it has 2.8 of 5 from 261 Google Play ratings.
Finbro requirements, customer service and how to pay
- Requirements
- Not listed on its Google Play listing
- info@finbro.ph
- Phone
- +63 962 409 2454, +63 917 620 0773
- Pay through
- E-wallet, Payment centers, Bank transfer Finbro's repayment steps
As Finbro lists them on its Google Play listing, updated Jul 23, 2026. Use only these channels or the app itself. Source
If you cannot pay Finbro on time
If all ₱7,367 of a ₱5,000, 120-day Finbro loan fell due unpaid, the penalty could be at most ₱368 a month, and interest, fees and penalties together could never pass ₱5,000. Sofi Financing Inc's collectors, and any agency it hires, may not post your details, threaten you, call before 6 a.m. or after 10 p.m., or message anyone in your contacts except the guarantors you named (SEC MC No. 18 s.2019).
Complain to Finbro first at info@finbro.ph or +63 962 409 2454. If that fails, report Sofi Financing Inc to the SEC on hotline 14732 or the iMessage portal, and report messages to your contacts to the National Privacy Commission at complaints@privacy.gov.ph. All eight prohibited collection practices.
Finbro regulatory history
- Jul 8, 2026The SEC warned about fakes using this name: an app called Finbro on Google Play and several Facebook pages. They are not run by Sofi Financing Inc. Source
- Jun 30, 2026The SEC warned about fakes using this name: Finbro: Financial Focus and Finbro PH - Personal Finance on Google Play. They are not run by Sofi Financing Inc. Source
- Mar 6, 2026The SEC warned about fakes using this name: Sofi Loan - online installment on Google Play. They are not run by Sofi Financing Inc. Source
This page covers Finbro's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Finbro first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Finbro
Who owns Finbro?
Sofi Financing Inc (SEC Reg. No. CS201908275), per the SEC list dated Sep 29, 2026.
What is Finbro's interest rate?
Finbro states (Finbro's Google Play listing, updated Jul 23, 2026): "APR 0% to 144%. Its example: ₱1,000 for 12 months with a ₱660 processing fee and ₱660 interest." On ₱5,000 for 120 days: Finbro states a combined interest-and-fees rate of 11.8% a month, which works out to an all-in cost of 17.5% a month on the cash you receive because you repay in instalments but pay interest on the original amount the whole time.
What is Finbro's customer service number or e-mail?
Phone: +63 962 409 2454, +63 917 620 0773. E-mail: info@finbro.ph. As listed by Finbro (Finbro's Google Play listing, updated Jul 23, 2026).
How do I pay my Finbro loan?
Finbro lists these channels (Finbro's Google Play listing, updated Jul 23, 2026): E-wallet, Payment centers, Bank transfer. You should get a payment reference or receipt in the app; if none appears, the payment has not posted, so keep your proof of payment.
Does Finbro call your contacts?
Sofi Financing Inc may not contact anyone in your phone contacts except the guarantors or co-makers you named, even if you allowed access (SEC MC No. 18 s.2019, Sec. 1(h), issued Aug 19, 2019). Raise it with Finbro at info@finbro.ph, then the SEC on 14732.
Can I be jailed for an unpaid Finbro loan?
The 1987 Constitution says: "No person shall be imprisoned for debt or non-payment of a poll tax." (1987 Constitution, Art. III, Sec. 20). Issuing a check that bounces is a separate offense under BP Blg. 22.
Cheaper than Finbro for ₱5,000 over 120 days
No lender pays to appear on this site or to change its position.
- Pocketcash (Elending): at most ₱300 in interest and fees (18% a year × 120/360 days × ₱5,000 = ₱300 (interest and fees)); lends ₱1,000 to ₱50,000.
- Vplus: at most ₱300 in interest and fees (18% a year × 120/360 days × ₱5,000 = ₱300 interest); lends ₱1,000 to ₱50,000.
- Pesos.ph: at most ₱395 in interest and fees (24% a year × 120/365 days × ₱5,000 = ₱395 interest); lends ₱1,500 to ₱50,000.