Finbro request, approval and payout are three different amounts or states

Two public applicants show why the number selected at the start should not be treated as money already approved or received. One September 2025 applicant said a ₱10,000 request became a ₱3,000 approval. Their post did not confirm that the approved funds arrived, so the endpoint is approval—not payout. A separate June 2026 first-person reviewer said a ₱3,000 request was approved at ₱2,800 and that the money reached GCash about forty minutes later. That account comes from an affiliate-style editorial site and is not an authenticated loan record. Finbro's current registration text says the requested amount is preliminary and the final amount depends on its credit assessment and approval. Its FAQ separately identifies approval notification and disbursement. These reports do not establish a universal approval ratio or payout time. When comparing an application, keep four fields separate: requested amount, approved amount, any deductions, and net amount actually received. Share no disclosure statement, reference number or account screenshot. Sources: Reddit · First-person editorial review · Official guidance.