Is FINN legit?
Yes. FINN is on the SEC list of recorded online lending platforms. It is run by Asiasource Financial Inc (SEC Reg. No. CS201412567, CA No. 1085). The SEC list dated Sep 29, 2026 records it as "FINN". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "FINN" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Asiasource Financial Inc., CS201412567 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 1085 (as printed by FINN) | Google Play, updated Oct 2, 2026 |
| Price published | Yes: 0% to 6% a month; other fees ₱0 to ₱800. | Google Play, updated Oct 2, 2026 |
| Loan amount and term | ₱800 to ₱6,000, over 90 to 180 days | Google Play, updated Oct 2, 2026 |
| Google Play rating | 4.7 of 5 from 6,117 ratings, 500K+ installs, as of Oct 2, 2026 | Google Play, updated Oct 2, 2026 |
On ₱5,000 for 120 days, FINN's published terms come to at most ₱2,000 in interest and fees: interest of 6% a month and an all-in cost of 8.8% a month, higher because its other fees is added on top. FINN on Google Play, updated Oct 2, 2026
Working: 6% a month × 120/30 × ₱5,000 = ₱1,200 interest; other fees ₱800 = ₱800. The all-in rate is the monthly rate at which one payment of ₱7,000 repays the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Within the SEC caps for this loan: interest 6% a month against the 6% cap; all-in 8.8% a month against the 12% cap (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 FINN with the other recorded apps, or get it from its official Google Play listing.
Also known as MotorcycleLoan.
FINN interest rate and what you pay back
0% to 6% a month; other fees ₱0 to ₱800.Its own example, ₱6,000 for 90 days
Total repayment: ₱7,700 (payable one-time on loan maturity)
- You pay back
- ₱5,000 to ₱7,000
- Cash you receive
- ₱5,000
- Interest and fees
- ₱0 to ₱2,000
- Interest a month, at most
- 6%
- All-in cost (EIR) a month, at most
- 8.8%
- Share of the loan
- 40%
Terms from FINN's Google Play listing, updated Oct 2, 2026. The calculator gives the same ₱7,700 for FINN'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
FINN Disclosure Statement, worked out: ₱5,000 for 120 days
FINN 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 | 6% a month × 120/30 × ₱5,000 | FINN's published maximum | ₱1,200 |
| Other fees | ₱800, added to repayment | Part of the finance charge, RA 3765 Sec. 3(3) | ₱800 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱2,000 |
| Late penalty, at most | 5% × ₱7,000 due | SEC MC No. 14 s.2025 Sec. 3 | ₱350 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 × ₱2,000, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱2,000 |
Should you borrow from FINN?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱1,700 less than FINN's published maximum of ₱2,000.
Choose FINN if
- you borrow ₱10,000 or less for up to four months: its published maximum stays within the SEC caps.
Skip FINN if
- you need more than ₱6,000.
- you need to pay in instalments: everything is due on one date.
- your employer is not one of its partners: it lends only through them.
FINN requirements, customer service and how to pay
- Requirements
- One valid government ID (National ID, UMID, Driver's License, Passport, or Digitized PhilHealth ID)
- support@finn-app.com
- Phone
- Not listed on its Google Play listing
- Pay through
- The channels shown in the app for your loan
As FINN lists them on its Google Play listing, updated Oct 2, 2026. Use only these channels or the app itself. Source
If you cannot pay FINN on time
If all ₱7,000 of a ₱5,000, 120-day FINN loan fell due unpaid, the penalty could be at most ₱350 a month, and interest, fees and penalties together could never pass ₱5,000. Asiasource Financial 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).
If that fails, report Asiasource Financial 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.
This page covers FINN's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact FINN first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about FINN
Who owns FINN?
Asiasource Financial Inc (SEC Reg. No. CS201412567), per the SEC list dated Sep 29, 2026.
What is FINN's interest rate?
FINN states (FINN's Google Play listing, updated Oct 2, 2026): "0% to 6% a month; other fees ₱0 to ₱800." On ₱5,000 for 120 days: interest of 6% a month and an all-in cost of 8.8% a month, higher because its other fees is added on top.
What are the requirements for FINN?
FINN lists (FINN's Google Play listing, updated Oct 2, 2026): One valid government ID (National ID, UMID, Driver's License, Passport, or Digitized PhilHealth ID).
What is FINN's customer service number or e-mail?
E-mail: support@finn-app.com. As listed by FINN (FINN's Google Play listing, updated Oct 2, 2026).
Does FINN call your contacts?
Asiasource Financial 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 FINN at support@finn-app.com, then the SEC on 14732.
Cheaper than FINN 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.