Understanding What Finreal Does
Finreal is a Philippine-based company that provides financial and real estate solutions for individuals, families, Overseas Filipino Workers, and business owners. Rather than acting as a direct lender, Finreal works with trusted and licensed partner lenders to help clients access financing options that match their needs and circumstances.
Finreal’s role is to guide clients through the application process, explain available options, and help them connect with suitable financing partners. This approach allows clients to make informed decisions while avoiding confusion and unsafe lending practices.
What Is Finreal
Finreal focuses on accessibility, guidance, and transparency. It assists Filipinos who need financial support for personal needs, family responsibilities, property-related concerns, business growth, or overseas employment situations.
Clients often seek Finreal’s assistance because they want a clear process, proper guidance, and access to legitimate financing options without having to navigate complex requirements on their own.
What Financial Products Does Finreal Offer
Finreal currently offers six core financial solutions. Each product is designed to address specific needs while following responsible financing practices.
Sangla ORCR for Motorcycles, Cars, and Trucks
Sangla ORCR allows vehicle owners to use their Official Receipt and Certificate of Registration as collateral to access funds. The borrower keeps the vehicle while the ORCR is held during the loan period.
This option is commonly used for:
- Emergency expenses
- Family-related needs
- Business cash flow support
- Seasonal or short-term expenses
Sangla ORCR is available for motorcycles, cars, and trucks through Finreal’s partner lenders.
Sangla Titulo for Real Estate
Sangla Titulo is a financing option for property owners who need access to larger funding. It uses a land title or property title as security while allowing the owner to retain use of the property.
This solution is often used for:
- Home repairs or improvements
- Medical expenses
- Business capital
- Debt restructuring
Finreal assists clients by explaining requirements and connecting them with appropriate financing partners.
OFW Loan for Land-Based Overseas Filipino Workers
An OFW Loan is a financing option intended for Overseas Filipino Workers who are employed abroad, as well as those who are temporarily in the Philippines for vacation or awaiting deployment. It recognizes the nature of overseas employment, where income may come from foreign employers and work schedules are based on contracts.
OFWs who are currently abroad may apply through an authorized representative in the Philippines. Those who are on vacation or preparing for their next deployment may also apply locally, provided they can present proof of overseas employment or deployment-related documents.
This loan is commonly used to help manage:
- Tuition and education expenses
- Medical and emergency needs
- Household and living costs
- Home repairs or improvements
- Business-related funding
Finreal helps applicants understand the requirements, organize documents, and connect with trusted partner lenders, whether the OFW is overseas, on vacation, or awaiting deployment.
Seaman’s Loan for Sea-Based Overseas Filipino Workers
The Seaman’s Loan is a specialized branch of the OFW Loan designed for Filipino seafarers. It takes into account contract-based employment, allotment systems, and standard seafarer documentation.
This option supports families while the seafarer is:
- Onboard a vessel
- On vacation between contracts
- Preparing for the next deployment
Families may process the loan locally with proper authorization and documents. Finreal provides guidance to ensure the process is clear and manageable for both the seafarer and their family.
Car and Truck Financing
Finreal assists clients who wish to purchase brand new or used vehicles through financing. This service supports:
- Families buying a personal vehicle
- Entrepreneurs upgrading business vehicles
- Small business owners expanding operations
Finreal connects buyers with partner lenders and helps guide them through the financing process from inquiry to approval.
Comprehensive Insurance
Finreal also offers access to comprehensive insurance solutions, primarily for vehicle owners who want added protection for their assets. While not always the main focus of financing applications, insurance is available for clients who want coverage as part of their financial planning.
Who Can Apply Through Finreal
Finreal assists a wide range of clients, including:
- Salaried employees
- Self-employed individuals
- Business owners
- Vehicle and property owners
- Overseas Filipino Workers
- Families applying on behalf of OFWs
Eligibility depends on the product type and partner lender requirements.
How Finreal Helps Clients Through the Process
Finreal’s value lies in its guided approach. Clients receive assistance with:
- Understanding available financial options
- Preparing and organizing required documents
- Matching with appropriate partner lenders
- Clarifying terms and expectations
- Avoiding high-risk or informal lending options
This support helps clients move forward with clarity and confidence.
Why Many Filipinos Choose Finreal
Many clients choose Finreal because:
- It works with legitimate and licensed partners
- It offers multiple financial solutions in one place
- It provides step-by-step guidance
- It has physical branches and local support
- It prioritizes transparency and responsible borrowing
Finreal focuses on building long-term trust rather than one-time transactions.
Frequently Asked Questions About Finreal
Is Finreal a direct lender
No. Finreal works with partner lenders and acts as a guide and facilitator.
Does Finreal require collateral
Some products require collateral, such as Sangla ORCR and Sangla Titulo. Other options depend on the loan type and lender guidelines.
Can OFWs apply while abroad
Yes. OFWs may apply through authorized representatives in the Philippines.
Can OFWs apply while on vacation or awaiting deployment
Yes. OFWs who are temporarily in the country may apply as long as employment or deployment documents are available.
How to Inquire About Finreal’s Services
To learn more or start an inquiry, visit:
https://finreal.ph/inquire-now/
Additional information about Finreal and its services is available at:
https://finreal.ph
Conclusion
Finreal helps Filipinos navigate financial decisions through clear guidance and responsible solutions. By offering multiple financing options and working with trusted partners, Finreal supports individuals, families, and Overseas Filipino Workers in addressing real-life financial needs.
Whether you are a vehicle owner, a property holder, an OFW, or a business owner, Finreal provides access to financial solutions designed to match your situation.