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Finami review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Finami is a broker that matches applicants to lenders rather than lending itself, which suits Filipino adults who want a fast personal loan and a quick payout. Comparing and applying carries 0 PHP for the user (no charge to compare offers or apply), while offers can carry a rate of 4% to 916%.

Key facts

Best for
Small peso loans paid out the same day, with nothing to pay to compare or apply.
APR
4% to 916%↗
Loan amount
₱1,000 to ₱25,000↗
Term
3 to 12 months↗
Arrangement fee
0 PHP for the user (no charge to compare offers or apply)↗
Credit check
None↗
Funding time
Less than 5 minutes via InstaPay↗
Representative example
Loan 1000 PHP, 3 months, 48% per annum, total repayment 1120 PHP↗
Lender type
Broker↗
Eligibility
18 years or older and Philippine citizenship with a citizen's passport; internet access, ID and a bank account required↗
Loan types
Personal, Cash-advance↗
Credit needed
Poor↗
Legal entity
INFINSA LTD (Estonia, company no. 14523902)↗
Headquarters
Estonia↗
Founded
2019↗
Support channels
Email, Phone↗
Features
Same-day funding
Official website
finami.ph

Facts checked September 26, 2026, 3 sources

Pros and cons

Pros

  • Comparing offers and applying costs 0 PHP for the user (no charge to compare offers or apply).
  • The credit check is none and the credit needed is poor.
  • Money reaches you in Less than 5 minutes via InstaPay.
  • Support runs on email and phone.

Cons

  • Interest costs 4% to 916% depending on the lender you are matched with.
  • The term is 3 to 12, so repayments are compressed into a short window.
  • Support runs on email and phone only.
Finami

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Scored 8.8 / 10 by SumCue.

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Who it suits

  • Filipino adults with a citizen's passport who need a small personal loan quickly.
  • Borrowers with a thin credit history who would rather be matched to several lenders than judged by one company.
  • Anyone who values a free comparison over picking the lowest rate up front.

Who should look elsewhere

  • Borrowers chasing the cheapest rate: Cashspace's annual rate runs PHP 12 to PHP 36.
  • Applicants who want a predictable rate on a longer plan: Sofkredit's rate is 10.74% to 18.06%.
  • Anyone needing a much larger euro loan: Creduma ES works at from €12,000, a step up from PHP 1,000 to PHP 25,000.

Safety of your money

Finami is a broker rather than a lender in its own right, so the money comes from a third party rather than the site. Applications are matched to lenders, and the rate and the terms on any offer are set by that provider. A representative example is published for a personal loan over a short repayment period, which shows the shape of a repayment but is illustrative rather than a quote.

Who runs it

The company behind the service is INFINSA LTD (Estonia, company no. 14523902), which lists its home country as EE. It has been operating since 2019 and takes applications online, so most of the relationship happens at a distance rather than in a branch. Help is offered on email and phone, which means a borrower with an application in progress can reach the team by email or by phone.

How Finami compares

Where Finami is available

Available
Philippines

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What is Finami and how does it work?+

Finami is a broker, not a lender in its own right. You give your details once, it matches them to lenders, and you are then passed to the provider that fits your situation. The products involved are personal and cash advance loans, aimed at borrowers in the Philippines, so the decision on an offer comes from the matched lender.

What does it cost to compare offers and apply?+

There is 0 PHP for the user (no charge to compare offers or apply) for the user, so reading the market and sending an application carry no charge on their own. The cost of borrowing sits in the rate charged by the lender you are matched with, which is why the rate range matters more here than any comparison fee would.

What interest rate will I pay?+

The rate depends on which lender answers, and the published range is 4% to 916%. A representative example is given on the site for a personal loan over a short term, which shows how a repayment builds up but not the figure every applicant will be offered. Treat the example as a guide rather than a quote.

How much can I borrow, and for how long?+

Loan sizes run PHP 1,000 to PHP 25,000, with a term of 3 to 12. Because the amount is modest and the window is short, this fits a bill, a top up or an emergency rather than a large purchase. Borrowers who need a larger sum over a longer period are looking at a different kind of product.

How quickly does the money arrive?+

Funding time is Less than 5 minutes via InstaPay, and same day funding is listed among the features. That makes the service useful for a cash need that has to be settled today rather than for borrowing planned well in advance, and it is the main reason people use a matching service instead of a bank.

Do I need a good credit history?+

The credit check listed is none, and the credit needed is poor. That means the outcome leans on what the matched lender sees rather than a hard file check at the comparison stage, so a thin credit history does not rule out an offer, though the rate you are given may sit high.

Who can apply?+

Applicants must be adults holding Philippine citizenship with a citizen's passport. Internet access, ID and a bank account are required, because the application, the offer and the payout all run online. Anyone without a Philippine passport sits outside the stated eligibility rule, whatever their credit record.

Who runs Finami and how do I get hold of them?+

The service is run by INFINSA LTD (Estonia, company no. 14523902), which lists its home country as EE, and it has been operating since 2019. Support runs on email and phone, so a question about a live application or about an offer you have been shown can go to the team by email or by phone.

How does this rate compare with other options?+

Finami's rate runs 4% to 916%, against PHP 12 to PHP 36 at Cashspace and 10.74% to 18.06% at Sofkredit. Both of those sit on far tighter bands, so Finami earns a look if you want the widest spread of offers on a weak credit file, and less of one if you want a predictable rate in a single range.

Sources

  • finami.ph checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Credit needed, Eligibility, Features, Funding time, Loan types, Arrangement fee, Representative example, Term

    “I need | ₱ 13000 ... ₱1'000 ... ₱25'000”

  • finami.ph/contactos checked September 26, 2026

    Backs: Founded, Support channels

    “Foundation year 2019”

  • finami.ph/terms-and-conditions checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type

    “Registered Office; Tartu mnt 52-166, 10115 Tallinn, Estonia”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

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