Finmerkado

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Finmerkado: credit conditions and company reviews

Access to financial products in the Philippines has grown significantly in recent years. More Filipinos now rely on personal loans, credit cards, car financing, insurance, and deposit accounts to meet their goals — whether for emergencies, education, home improvements, or business expansion.

With so many financial products available, it can be overwhelming to compare interest rates, loan terms, and benefits. This is where Finmerkado Philippines steps in.

Founded in 2019, Finmerkado is an SEC-registered financial comparison platform that consolidates offers from multiple banks and financial institutions into one convenient hub. Instead of navigating numerous websites, users can compare personal loans, car loans, motorbike loans, mortgages, credit and debit cards, insurance, and deposits all in one place.

The platform is:

• ✅ Free to use
  
• ✅ Accessible online 24/7
  
• ✅ Partnered with licensed and verified financial institutions
  
• ✅ Transparent with rates, fees, and requirements
  

This review explores Finmerkado’s product categories, eligibility requirements, application process, pros and cons, user feedback, and why it is one of the best comparison platforms for Filipinos in 2025.

Finmerkado at a Glance

Finmerkado Philippines was established in 2019 as a financial product comparison platform. Its mission is to empower Filipinos to make informed financial decisions by simplifying access to trusted products.

• Company Name: Finmerkado Philippines
  
• Established: 2019
  
• Type: Financial comparison platform
  
• Products: Personal Loans, Car Loans, Motorbike Loans, Mortgages, Credit Cards, Debit Cards, Insurance, Deposits
  
• SEC Registration: No. 2024120180322-17
  
• Cost of Service: Free
  
• Coverage: Nationwide Philippines
  
• Contact Email: support@finmerkado.ph
  

Office Address: Eco Tower Building, Bonifacio Global City, Taguig, NCR

Why Choose Finmerkado?

Finmerkado is not just a basic loan aggregator. It positions itself as an all-in-one financial hub rooted in integrity, customer focus, and transparency.

Key advantages include:

• A wide product range covering everything from ₱15,000 personal loans to ₱5M secured financing, credit cards, and insurance.
  
• Exclusive partnerships with licensed banks and financial institutions.
  
• A digital-first process allowing borrowers to compare and apply online within minutes.
  
• Transparency regarding interest rates, fees, loan terms, and requirements.
  
• Free service, ensuring no hidden costs.
  
• Customer-centric values emphasizing simplicity, honesty, and innovation.

Personal Loans

Personal loans are among the most popular products available through Finmerkado. These loans are unsecured, so borrowers do not need collateral, and they can be used for medical bills, tuition, travel, home repairs, debt consolidation, or lifestyle purchases.

Top loan offers on the platform include:

• Chinabank: up to ₱1M, 16%–19% APR, 12–36 months, ₱180K minimum annual income.
  
• PNB: up to ₱2M, from 12% APR, 3–60 months, ₱120K minimum income.
  
• Security Bank: up to ₱2M, 29.5%–39.4% APR, 12–36 months, ₱180K minimum income.
  
• BDO: up to ₱2M, from 0.98% monthly add-on, 6–36 months, ₱180K minimum income.
  
• Tonik Big Loan: up to ₱5M (secured), from 19.75% effective annual rate, 12–60 months.
  
• Maya Loan: up to ₱250K, from 1.25% monthly, 6–24 months, no fixed income requirement.
  
• Metrobank: up to ₱1M, from 26.9% effective annual, 12–36 months, ₱240K minimum income.
  
• RCBC (Pasado): flexible amounts, from 26.9% effective, 6–36 months.
  
• BPI: up to ₱3M, from 25.60% APR, 12–36 months.
  
• UnionBank: up to ₱2M, 25%–36% annual, 12–60 months.
  
• UNO Bank: ₱15K–₱500K, from 2% monthly, 6–36 months.
  
• LF Lending: up to ₱100K, 3.5% monthly, 3–12 months.
  

Benefits include a wide range of loan amounts, flexible repayment terms, availability for both salaried and self-employed borrowers, and fully digital applications with transparent conditions.

Car and Motorbike Loans

Car loans are a key product category, with banks such as BDO, UnionBank, Security Bank, BPI, and Metrobank offering competitive rates. Borrowers may access up to ₱2M with down payments as low as 15%, repayment terms of up to 7 years, and approvals within 1–5 banking days.

Motorbike loans are increasingly popular for delivery riders, workers, and commuters. For example, SB Finance’s MotorsikLOAN provides up to ₱2M with flexible 12–48 month terms, interest starting from 1.2% monthly, and the option of using the motorbike as collateral.

Mortgages and Housing Loans

Finmerkado also connects users with housing loan options from major banks like RCBC, Security Bank, and Metrobank. Loans start at ₱300K, terms can extend up to 25 years, and rates begin as low as 6.25%. These loans can be used to buy, build, or renovate homes.

Types of loans	Fast cash loan, Loan online, Personal loan

Credit and Debit Cards

Credit card comparison is simplified by Finmerkado’s platform, which compiles offers from UnionBank, Security Bank, Metrobank, Atome, Cebu Pacific, and others. Users can evaluate interest rates, annual fees, income requirements, and rewards.

Debit cards are also featured, including options from UnionBank, Tonik, Maya, Wise, and PSBank. These cards provide daily limits ranging from ₱100K to ₱250K, with no annual fees and online management features.

Insurance and Deposits

Health insurance, prepaid insurance, and deposits (savings and fixed deposits) are also part of Finmerkado’s coverage. These products ensure financial protection and convenient digital account management.

Eligibility and Requirements

Most financial products on Finmerkado require applicants to be 21–64 years old, Filipino citizens or resident foreigners with a valid billing address, and either employed or self-employed with stable income.

Documents often include a valid government ID, proof of income (payslip, bank statement), and sometimes a certificate of employment. A valid TIN, SSS, GSIS, or UMID number may also be required.

Application Process

The application process through Finmerkado is straightforward:

1. Visit Finmerkado.ph
   
2. Select the product category (loan, card, mortgage, etc.)
   
3. Compare offers and check requirements
   
4. Click Apply Now on the chosen product
   
5. Fill out the lender’s application form with accurate information
   
6. Submit required documents
   
7. Wait for approval (5 minutes to 5 business days depending on the lender)
   

Receive funds or card and manage repayments on time

Pros, Cons, and User Reviews

Pros: wide product coverage, transparent rates, SEC registration, free service, digital-first applications.
Cons: not a direct lender (approvals depend on partners), some products have high income requirements.

User reviews highlight Finmerkado’s convenience and legitimacy. Ratings include:

• UnionBank: 4.36⭐ (28 reviews)
  
• LF Lending: 4.75⭐ (8 reviews)
  
• UNO Bank: 4.6⭐ (5 reviews)
  
• Finbro.ph: 4.29⭐ (1,490 reviews)
  
• Cash Will: 5.0⭐ (1 review)

Responsible Financial Practices

Finmerkado advises users to borrow only what they need, carefully read terms, pay on time, compare multiple offers, and use credit cards responsibly to avoid debt.

Official website	https://www.finmerkado.ph/
Office address	Eco Tower, Bonifacio Global City, Taguig, NCR, Eco Tower, Bonifacio Global City, Taguig, NCR
Working time	24/7
Email	support@finmerkado.ph

Finmerkado Philippines is one of the most comprehensive financial product comparison platforms in the country. By consolidating offers from trusted banks and institutions, it saves Filipinos time and ensures transparency.

Whether you need a loan, credit card, housing loan, or insurance, Finmerkado provides a secure, free, and SEC-registered hub for smarter financial decisions.

👉 Final verdict: Finmerkado is among the best places to compare and apply for financial products in the Philippines in 2025.