Finami review

Updated September 28, 2026 · BorrowCue 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.

Our verdict

Finami suits Philippine applicants with poor credit who want a small personal loan or cash advance today, not a long cheap arrangement. The trade-off is price: 4% to 916% sits far above the 12.25% median for personal loans, and Less than 5 minutes via InstaPay carries the payout.

Key facts

Best for
A small personal loan or cash advance, fast, for poor credit.
APR
4% to 916% (Source, checked September 26, 2026)
Loan amount
₱1,000 to ₱25,000 (Source, checked September 26, 2026)
Term
3 to 12 months (Source, checked September 26, 2026)
Arrangement fee
0 PHP for the user (no charge to compare offers or apply) (Source, checked September 26, 2026)
Credit check
None (Source, checked September 26, 2026)
Funding time
Less than 5 minutes via InstaPay (Source, checked September 26, 2026)
Representative example
Loan 1000 PHP, 3 months, 48% per annum, total repayment 1120 PHP (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
18 years or older and Philippine citizenship with a citizen's passport; internet access, ID and a bank account required (Source, checked September 26, 2026)
Loan types
Personal, Cash-advance (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
INFINSA LTD (Estonia, company no. 14523902) (Source, checked September 26, 2026)
Headquarters
Estonia (Source, checked September 26, 2026)
Founded
2019 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Features
Same-day funding
Official website
finami.ph

Pros and cons

Pros

  • Payout speed: Less than 5 minutes via InstaPay, with same day funding listed.
  • The credit check is none, and the service targets poor credit histories.
  • Cover spans personal and cash advance borrowing, PHP 1,000 to PHP 25,000 over 3 to 12.

Cons

  • Price: 4% to 916% runs well above the 12.25% median for personal loans.
  • Finami is a broker, so the rate and the contract come from the partner lender, not the brand you apply through.
  • Limits are PHP 1,000 to PHP 25,000 and 3 to 12, so a large bill or long loan will not fit.
Finami

Ready to try Finami?

Scored 8.7 / 10 by BorrowCue.

See alternatives

Who it suits

  • Philippine adults with a citizen's passport, an ID, a bank account and internet access, happy to let a broker choose.
  • Applicants with poor credit who need money in the hour rather than the week.
  • Borrowers who put payout speed ahead of rate and can service the top of 4% to 916%.

Who should look elsewhere

  • Anyone after a bigger, longer loan: PHP 1,000 to PHP 25,000 and 3 to 12 are the caps, so Monzo Flex fits better.
  • Anyone wanting one clear rate: 4% to 916% is a wide band, where Cashspace publishes a tighter PHP 12 to PHP 36.
  • Borrowers shopping mainly on headline cost: Cashspace ES lists offers at 0% interest, so compare both.

The company behind it

Finami is run by INFINSA LTD (Estonia, company no. 14523902), and its listed headquarters country is EE rather than the Philippines, where applicants live. The business began in 2019. Applications and follow-up go through email and phone, so a borrower deals with the brand by email or phone.

How Finami compares

Where Finami is available

Available
Philippines

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

Frequently asked questions

What does Finami cost to use?+

There is no charge for comparing offers or applying, and the recorded origination fee is 0 PHP for the user (no charge to compare offers or apply). What a borrower pays is the interest and fees a partner lender sets, and 4% to 916% shows how wide that band can run. Read each offer before signing.

How much can I borrow, and over what period?+

Loan amounts run to PHP 1,000 to PHP 25,000 and terms run to 3 to 12, so the service covers small, short instalment loans rather than large, long ones. Both personal and cash advance products are arranged through the same application and the same eligibility checks.

Will applying hurt my credit file?+

The credit check recorded for the service is none, so no hard file check sits in the way at the matching stage. The lender it pairs you with may still review your history, so treat each offer as its own decision rather than taking the first quote.

How quickly does the money arrive?+

Funding is quoted at Less than 5 minutes via InstaPay, and same day funding is listed as a feature. The transfer runs on an instant payment rail into your bank account, so the wait is short once a partner lender approves the offer.

Is Finami the lender, or a broker?+

It is a broker. The legal entity behind the site is INFINSA LTD (Estonia, company no. 14523902), and the contract you sign is with the partner lender named on the offer. The rate, the term and the repayment schedule therefore come from that lender rather than from the brand you applied through.

Who is eligible to apply?+

Applicants need a minimum age, Philippine citizenship with a citizen's passport, internet access, an ID and a bank account, and Less than 5 minutes via InstaPay relies on that account for the payout. Have the account ready before applying.

How do I reach support?+

Support runs on email and phone, so email and phone are the routes in. It is worth having the offer reference to hand before calling, since the contract sits with the partner lender named on the offer.

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.

Finami

Finami

A small personal loan or cash advance, fast, for poor credit.

8.7/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings