A debt-consolidation application ended in rejection after a 5% upfront-fee condition was explained

One applicant contacted FLIN through its website and completed the forms for a debt-consolidation loan. An online interview followed, covering the applicant's employer, income, existing debts and total amount owed. At the end of the interview, the applicant says an agent explained that approval would require a visit to an office in Makati and payment of 5% of the approved loan amount upfront before the loan could proceed. When the applicant asked whether the fee could be deducted from the loan instead, the answer was reportedly no. In a later update, the same applicant said the agent repeated that the 5% fee would be due only after approval and that the approved loan would be received on the same day. The applicant remained hesitant because the exact fee would depend on the approved amount. The applicant then completed the application process but reported being rejected. No reason was given. The source does not say that the applicant paid the fee, received any loan proceeds or learned which underwriting factor led to the rejection. This account records one person's application experience. It does not establish that every applicant receives the same terms, that the fee caused the rejection, or that the provider committed fraud or another violation. Where the story stood The debt-consolidation application had been completed and rejected without a stated reason. No loan was released, and the applicant's underlying debts remained outside the outcome described in the public thread.