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Finbubu offers access to three (3) types of loan products through our local licensed financial institution partners.

Finbubu Virtual Credit Card: A revolving credit line that you may use within your approved limit. You may borrow repeatedly as long as you meet the required minimum monthly repayment, and interest is charged only on the amount used. Available balances may be transferred to any bank account or e-wallet that supports InstaPay. You may also scan any QR Ph code at participating merchants nationwide to pay using your credit limit. Credit limits, interest rates, and fees are determined by the partner financial institution based on your profile, application details, and credit history.
How to apply: Existing customers with no overdue records may receive invitations via push notifications, SMS, or in-app banners. New customers may apply directly in the Finbubu app, subject to eligibility screening by our system and partner review.

Finbubu Credit Line: A credit line for personal financing needs with no specific usage restrictions. Funds may be transferred to any bank account or e-wallet that supports InstaPay. Loan terms of 3, 4, 5, 6, 9, or 12 months are determined by the partner financial institution based on your profile and credit history.
How to obtain: Offered only to selected customers through email, SMS, or in-app invitation.

Finbubu Business Credit: A business financing solution for growth, inventory, equipment, or working capital needs. Funds may be transferred to any bank account or e-wallet that supports InstaPay. Repayment terms of 1 to 10 years are tailored based on business profile and credit status.
How to obtain: Available to eligible business owners with at least 2 years of operation and valid SEC/DTI registration, via invitation or the Business Credit tab in the app.

For a Finbubu Business Credit, you must meet the following requirements:

• - You must be a Philippine citizen.
• - You must be at least 18 years old.
• - You must have a source of income (private employee, self-employed, business owner, or remittance recipient).
• - You must have an active Philippine mobile number and email address.
• - You must hold at least one valid government-issued ID from this list: UMID, Driver's License, PhilSys ID (National ID), SSS Card, Philippine Passport, or Postal ID.

Note: PRC ID and Voter’s ID are not accepted for online Credit Limit and Business Credit applications. Only the plastic card version of the PhilSys ID is accepted; digital or printed versions are not allowed.

Install the Finbubu app and fill out the form to apply for a limit. Credit Limits and Credit Lines are selectively offered to existing customers. Eligibility requires being a Philippine citizen (18+) with a stable income, valid ID, iOS/Android phone, and a unique mobile number/email. New customers have an exclusive opportunity to apply for a Finbubu Credit Limit directly in the app.

Status checks depend on the Credit Facility type and application method.
Credit Line: Check directly in the app by clicking "Credit."
If not immediately approved, a message will state you are on a waitlist.
Virtual Credit Card: Since these are invitation-only for specific existing customers, there is no separate status to check.
Support: For more questions or help with an approved loan, contact customer service via in-app chat.

Common reasons are related to your financial situation and credit history. Each application is evaluated meticulously to ensure responsible lending and your ability to manage repayments.

Provide accurate, detailed, and honest information. Use your own active mobile number and email address. Monitor your credit history.

If not approved, you are welcome to reapply after 3 months. Common reasons include financial status, credit history, and past loan performance. Applications are thoroughly reviewed to ensure you can manage repayments while maintaining financial stability.

This is currently only available to specific customers selected independently by the system. If eligible, you will receive notifications via email, SMS, or the app.

Business Credit: Only one active loan is allowed at a time; a new invitation is required to reapply.

Credit Line and Virtual Credit Card: You can withdraw funds up to your credit limit anytime while active, but re-application after cancellation is currently not supported.

Important: Use the same registered mobile/email; submission does not guarantee approval.

Accepted IDs include: UMID Card, Driver's License, PhilSys ID, SSS Card, Philippine Passport, and Postal ID. PRC ID and Voter's ID are not accepted for online Credit Limit and Business Credit applications.

This is a revolving credit tool where interest is only charged on the amount used, provided minimum monthly payments are made.
New customers apply in the app by registering with a mobile number (OTP), entering personal/income info, performing a face scan, and scanning a valid ID.
If approved, review and sign the agreement via verification code to activate the limit.

Physical cards are not currently available. If they become available in the future, eligible users will be notified through our official channels.

Earn ₱100 reward for each friend successfully referred for a Virtual Credit Card or Credit Line.

The auto-debit feature allows automatic payments through a linked bank or e-wallet to ensure accuracy and avoid late fees.

Current policies do not support reducing fixed monthly repayment amounts.

The platform does not allow changing an established fixed repayment plan.

While technically possible, it is strongly discouraged as it results in penalties and negatively impacts your credit score.

Early repayment is encouraged and incurs no extra fees.

Click the product on the app home page and enter "Account details" to view it.

Business Credit: Apply for "Full Early Repayment (FER)" via the app or customer service.

Virtual Credit Card/Credit Line: Select "pay all outstanding balance" directly in the app.

Finbubu App (Recommended): Free of charge; supports GCash, Maya, and bank transfers.

Non-App: Via 7-Eleven or GCash bills pay; this incurs extra fees and requires manual entry of the loan account number.

Use partner kiosks (CLiQQ, ECPay, eTap) or partner apps (GCash, Maya, BDO). These channels usually charge a ₱20 fee.

No. The system notifies you automatically, and status can be viewed in the app's transaction history.

Yes. Late payments result in penalties and are reported to the Credit Information Corporation (CIC).

Payments are usually instant; you will receive SMS or push notifications once credited.

Check the detailed product page in the app for the most accurate information.

Eligible customers can use the "FER" function in the app. Others should contact customer service to provide the specific amount and months to be paid.

Yes. Contact customer service to apply for "Reallocation."

The grace period is 19 to 49 days; no interest is charged if the previous balance is fully paid by the due date.

Use the "QR Pay" function in the app to scan a merchant’s QR Ph standard code.

Identity is verified through liveness checks (face scans) and comparison with your uploaded valid ID.

If a customer is medically unable to contact us, a family member can apply to become an authorized representative.

Contact customer service via official email or phone for a temporary link after verification.

For overpayments or system errors, contact in-app customer service to request a refund to your bank account.

You may apply to cancel your loan within 3 days from approval or disbursement, subject to our cancellation policy and any applicable verification process.

These include due date reminders and auto-debit confirmations to help manage your finances.

Contact in-app customer service with valid ID or proof (e.g., marriage contract for name change, utility bill for address).

Contact in-app customer service. Avoid frequent changes to maintain account stability and loan approval.

Submit a request through in-app customer service. This is only possible after all loans are fully settled and the credit limit is cancelled.

Accounts are locked for security after multiple failed login attempts or if suspicious activity is detected. Contact customer service for identity verification and unlocking.

Immediately contact our customer service to temporarily block your account and protect your funds.

Yes. We comply with the Data Privacy Act of 2012 and use advanced encryption to protect your information.

Bio-Lock uses your device's biometric authentication (fingerprint or face ID) for secure and fast logins.

Our system monitors transactions 24/7 to detect and prevent fraudulent activities instantly.

Go to "Settings" in the app and toggle "Biometric Authentication" under the "Security" tab.

For security, your account is bound to one device at a time. Logging in on a new device will sign you out of the previous one.

Go to "Settings" > "Account Security" > "Change Password."

Click "Forgot Password" on the login screen and follow the steps to reset it via your registered mobile number.

You can reach us through in-app live chat, email at support@finbubu.ph, or our official Facebook page.

Our live chat and phone support are available Monday to Friday, 9:00 AM to 6:00 PM.

Select "Transfer" on the Credit Line page, enter the amount, and choose your destination bank or e-wallet.

Transfer fees vary by destination. Please check the transaction summary screen before confirming.

Yes, you can use the Virtual Credit Card details provided in the app for online transactions.

Contact customer service immediately with the transaction reference number and a screenshot of the failed prompt.

Electronic receipts are sent to your registered email. For physical copies, please contact support.

Credit rates are determined by our local licensed financial institution partner based on your profile, application details, and credit assessment.

Maintain a good repayment record and high account activity. Limit increases are automatically offered by the system.

Yes! Paying more reduces your principal faster and lowers the overall interest you pay.

Your account remains in good standing, but interest will still accrue on the remaining unpaid balance.

You will receive an SMS and an in-app notification. Your "Available Balance" will also update.

Only with your explicit consent or as required by law (e.g., reporting to credit bureaus).

Yes, as long as you meet the eligibility criteria for both products.

Overpayments will be credited to your next billing cycle. If you want a refund, contact support.

Yes! Our "Business Credit" is specifically designed to support business growth and working capital.

Basic DTI/SEC registration, 6 months bank statements, and valid personal ID are usually required.

Toggle off "Marketing Notifications" in the app's settings.

Currently, the app follows a standard brand theme. Look out for updates in the future!