Zero annual fees
Free to keep, year after year, unlike most traditional credit
Access financial products from licensed financial institutions
Finbubu is a technology platform that connects users with licensed financial institutions.
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FAQs
Virtual Credit Services refer to revolving credit solutions accessible through the Finbubu platform, which are provided by licensed financial institutions in the Philippines.
Eligible users may be granted access to a credit limit, subject to evaluation and approval by the licensed financial institution providing the service. Available credit may be reused after repayments, depending on the terms of the provider.
Depending on the product features of the licensed financial institution:
Eligible users may be granted access to a credit limit, subject to evaluation and approval by the licensed financial institution providing the service. Available credit may be reused after repayments, depending on the terms of the provider.
Depending on the product features of the licensed financial institution:
- Purchases made via QR Ph or a linked payment method may qualify for a grace period
- Transfers to bank accounts or e-wallets may be treated as cash transactions and may incur interest from the transaction date
All applicable terms, fees, and conditions will be disclosed before use.
Certain eligible purchase transactions may qualify for a grace period, depending on the terms of the licensed financial institution providing the service.
If the full statement balance is paid on or before the due date, interest may not apply to eligible purchase transactions within the applicable grace period.
If the balance is not fully paid, interest and other applicable charges may apply in accordance with the terms of the licensed financial institution.
If the full statement balance is paid on or before the due date, interest may not apply to eligible purchase transactions within the applicable grace period.
If the balance is not fully paid, interest and other applicable charges may apply in accordance with the terms of the licensed financial institution.
Payments can be made through the repayment options available in the Finbubu platform.
Available payment methods may vary depending on the licensed financial institution providing the service.
Available payment methods may vary depending on the licensed financial institution providing the service.
Billing cycles, minimum payment requirements, and due dates are determined by the licensed financial institution providing the service.
At the end of each billing cycle:
a. A statement will be generated based on your credit usage
b. A minimum payment amount may be required
c. You may choose to pay more than the minimum or settle the full balance
d. All terms are governed by the licensed financial institution
At the end of each billing cycle:
a. A statement will be generated based on your credit usage
b. A minimum payment amount may be required
c. You may choose to pay more than the minimum or settle the full balance
d. All terms are governed by the licensed financial institution
Repayment instructions are available within the Finbubu platform.
Repayment methods, processing times, and applicable limits depend on the licensed financial institution providing the service.
Repayment methods, processing times, and applicable limits depend on the licensed financial institution providing the service.
The Finbubu app is operated by Finbubu Limited and functions as a Platform-as-a-Service (PaaS) provider and does not provide financial services, does not act as a bank, and does not accept deposits.
Financial services are provided by licensed financial institutions in the Philippines, including Rural Bank of Kibawe (Bukidnon), Inc. and Tiwala Lending Corp., with additional partners being introduced over time.
When you submit an application, it may be evaluated by one or more licensed institutions based on their own criteria. If approved, the financial service will be provided by a specific licensed institution, which will be clearly identified before you proceed.