Is Finplo legit?
Yes. Finplo is on the SEC list of recorded online lending platforms. It is run by LENDORA LENDING CORP (SEC Reg. No. CS201916340, CA No. 3101). The SEC list dated Sep 29, 2026 records it as "Finplo". The company was formerly Treasure Bowl Fintech Lending Corp (SEC list remarks). SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Finplo" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | LENDORA LENDING CORP., CS201916340 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 3101 (as printed by Finplo) | Google Play, updated Aug 10, 2026 |
| SEC notices naming the app or lookalikes | 1 document, latest SEC advisory on Zippeso of Jun 9, 2026 | SEC, Jun 9, 2026 |
| Price published | Yes: Maximum APR up to 30% a year, including applicable interest and service fees. | Google Play, updated Aug 10, 2026 |
| Loan amount and term | ₱1,000 to ₱50,000, over 91 to 360 days | Google Play, updated Aug 10, 2026 |
| Google Play rating | 4.8 of 5 from 1,071 ratings, 10K+ installs, as of Oct 2, 2026 | Google Play, updated Aug 10, 2026 |
On ₱5,000 for 120 days, Finplo's published terms come to at most ₱493 in interest and fees: Finplo states a combined interest-and-fees rate of 2.5% a month, which works out to an all-in cost of 3.9% a month on the cash you receive because you repay in instalments but pay interest on the original amount the whole time. Finplo on Google Play, updated Aug 10, 2026
Working: 30% a year × 120/365 days × ₱5,000 = ₱493 (interest and fees). The all-in rate is the monthly rate at which 4 payments of ₱1,373 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Within the SEC caps for this loan: no separate interest rate to test against the 6% cap; all-in 3.9% 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 Finplo with the other recorded apps, or get it from its official Google Play listing.
Finplo interest rate and what you pay back
Maximum APR up to 30% a year, including applicable interest and service fees.Its own example, ₱10,000 for 180 days
Total Interest and Applicable Service Fees: PHP 1,480; Total Amount Repayable: PHP 11,480
- You pay back
- Up to ₱5,493
- Cash you receive
- ₱5,000
- Interest and fees
- Up to ₱493
- All-in cost (EIR) a month, at most
- 3.9%
- Share of the loan
- 9.9%
Terms from Finplo's Google Play listing, updated Aug 10, 2026. The calculator gives the same ₱11,479 for Finplo'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
Finplo Disclosure Statement, worked out: ₱5,000 for 120 days
Finplo 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) | 30% a year × 120/365 days × ₱5,000 | Finplo's published maximum | ₱493 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱493 |
| Simple annual rate | Finplo publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 30% |
| Late penalty, at most | 5% × ₱5,493 due | SEC MC No. 14 s.2025 Sec. 3 | ₱275 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 × ₱493, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱986 |
Should you borrow from Finplo?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱193 less than Finplo's published maximum of ₱493.
Choose Finplo if
- you borrow ₱10,000 or less for up to four months: its published maximum stays within the SEC caps.
- you want to spread payments over as long as 360 days.
- you need up to ₱50,000.
Finplo requirements, customer service and how to pay
- Requirements
- Filipino citizen; At least 18 years old; At least one accepted government-issued ID
- lendoramark@lendora-lending.com
- Phone
- Not listed on its Google Play listing
- Pay through
- The channels shown in the app for your loan
As Finplo lists them on its Google Play listing, updated Aug 10, 2026. Use only these channels or the app itself. Source
If you cannot pay Finplo on time
If all ₱5,493 of a ₱5,000, 120-day Finplo loan fell due unpaid, the penalty could be at most ₱275 a month, and interest, fees and penalties together could never pass ₱5,000. LENDORA LENDING CORP'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 Finplo first at lendoramark@lendora-lending.com. If that fails, report LENDORA LENDING CORP 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.
Other apps from LENDORA LENDING CORP
LENDORA LENDING CORP runs 2 apps on the SEC list. They share one SEC registration and one Certificate of Authority, so a complaint about any of them goes against the same company.
- Lendra listed as "Lendra"
Finplo regulatory history
- Jun 9, 2026The SEC warned about fakes using this name: Zippeso, a former app name of Lendora Lending Corp. now used by an app it does not run. They are not run by LENDORA LENDING CORP. Source
This page covers Finplo's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Finplo first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Finplo
Who owns Finplo?
LENDORA LENDING CORP (SEC Reg. No. CS201916340), which also runs Lendra, per the SEC list dated Sep 29, 2026.
What is Finplo's interest rate?
Finplo states (Finplo's Google Play listing, updated Aug 10, 2026): "Maximum APR up to 30% a year, including applicable interest and service fees." On ₱5,000 for 120 days: Finplo states a combined interest-and-fees rate of 2.5% a month, which works out to an all-in cost of 3.9% a month on the cash you receive because you repay in instalments but pay interest on the original amount the whole time.
What are the requirements for Finplo?
Finplo lists (Finplo's Google Play listing, updated Aug 10, 2026): Filipino citizen; At least 18 years old; At least one accepted government-issued ID.
What is Finplo's customer service number or e-mail?
E-mail: lendoramark@lendora-lending.com. As listed by Finplo (Finplo's Google Play listing, updated Aug 10, 2026).
Does Finplo call your contacts?
LENDORA LENDING CORP 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 Finplo at lendoramark@lendora-lending.com, then the SEC on 14732.
Cheaper than Finplo 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.