Apply online with Finami
Zero-interest first loan for new clients
Want the details first? Read our Finami review: requirements, real costs and whether it is legit.
- 0% offer for new clients
- Amounts up to ₱25,000
Review the final repayment amount and terms on the provider's website
At a glance
Strengths and trade-offs
What works well
- A genuine 0% first loan is cheaper than any competing offer, if the conditions fit
- Strong review volume
- Wide amount range
What to watch
- The promotional rate is not the repeat rate — ask for the standard rate before you start
- Promotional terms usually cap the qualifying amount and term
Check your offer
Pick an amount and term to see the estimated cost, then continue to the form. The estimate uses a general rate for short-term online lending in the Philippines — it is not a quote from Finami.
Estimate your Finami repayment
Illustrative only — the lender sets the final rate. Finami sets your actual rate, fees and schedule and shows them on its own site before you sign. This is an illustration, not an offer.
What you need to apply
- At least 18 years old and a resident of the Philippines
- A valid government-issued ID (PhilSys, UMID, driver's licence, passport)
- Proof of regular income — payslip, bank statements or remittance records
- An active mobile number
- A bank account or e-wallet in your own name
Meeting these makes you assessable — it does not guarantee approval. Finami makes its own credit decision. See the full document guide for what to prepare if you are self-employed.
How it works
- Check the estimate. Use the calculator to see roughly what an amount and term would cost before you apply anywhere.
- Complete the application. You finish the actual application on the lender's own website, where your details are collected securely.
- Review the binding offer. The lender shows your final amount, rate, fees and schedule. Nothing is committed until you accept.
- Receive the funds. On approval, money is sent to your bank account or e-wallet.
Before you apply
- Check that the lender is registered with the SEC — a Certificate of Authority, not just a Certificate of Incorporation.
- Compare the effective rate or total repayment, never the advertised nominal rate.
- If your loan is ₱10,000 or less over a term up to four months, the 2026 cost ceilings apply. Above that, they do not.
- Ask what happens if you repay early, and what happens if you pay late.
Check your offer with Finami
You complete the application on Finami's own website and see the binding terms there before you commit to anything.
Get your offerReview the final repayment amount and terms on the provider's website
Compare with other partners
Finami is one of 8 lending partners listed here. Comparing two or three before applying costs nothing and leaves no trace on your record.