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Multi-channel access
Apply through our mobile app, website, or supported partner channels — the same clear flow, wherever you start.
AI-native digital banking
A calm, clear center for your money.
Sentro is the financial hub for every Juan — a regulated, technology-enabled lending platform built to help Filipinos understand their finances and make better decisions, without the noise.
- Regulated lending operations
- KYC & identity verification
- Aligned with the Data Privacy Act
Banking that respects your decisions.
Six things we commit to, before you commit to anything.
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Regulated by design
Sentro operates within Philippine lending regulations and aligns with SEC, NPC, AMLC and Financial Consumer Protection standards.
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Simple onboarding
Verify your identity with a valid government-issued ID and a quick liveness check — no paperwork, no branch visits.
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Hybrid credit review
System-assisted scoring combined with human oversight, applied against transparent internal credit policies.
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Clear disclosures
Loan amount, total repayment, term, fees and effective interest are presented before you accept — no fine print surprises.
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Accessible support
Reach customer service through email, hotline, or our in-app complaint system — every concern recorded and tracked.
Built for the way Filipinos earn.
From regular paychecks to seasonal income, Sentro tailors review to your situation.
Salaried employees
Office, retail, healthcare, education — borrowers with regular monthly income.
OFWs & their families
Overseas Filipino Workers and dependents managing remittance-based budgets at home.
MSMEs
Small business owners and self-employed professionals with operational financing needs.
First-time borrowers
Filipinos building a credit profile, supported by lower-exposure starter products.
Gig & informal economy
Riders, freelancers, market vendors and others with non-traditional income patterns.
The underbanked
Filipinos under-served by traditional banks, served through digital channels and inclusive review.
A full lending stack — kept simple for you.
Mobile · Web · API
Multiple borrower interfaces, one consistent experience.
KYC + Hybrid Review
Identity verification with system-assisted credit assessment, under company oversight.
Bank & E-wallet
Disbursement and repayment through regulated digital payment channels.
Five steps. No noise.
Sentro shows you a clear option, then lets you decide.
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Register with your mobile number
Download the app or open the web platform and create an account in minutes.
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Verify your identity
Submit a valid government-issued ID and complete a quick liveness check. KYC is required for everyone.
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Choose your amount and term
Borrow from ₱3,000 up to ₱50,000 over a term of up to 30 days, with daily interest as low as 0.4%.
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Await review
Hybrid credit review combines automated scoring with human oversight under our internal credit policies.
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Receive your funds
Approved loans are disbursed through bank transfer or e-wallet, with a clear repayment schedule attached.
Loan disclosure
Clear information, before any decision.
Sentro presents the full picture in one view — amount, total repayment, term, fees and the effective interest — so you can review before you continue. The disclosure follows the Truth in Lending Act format and is sent to you on confirmation.
ReviewLoan amount₱ 3,000 – ₱ 50,000
Termup to 30 days
Daily interestas low as 0.4%
Total repaymentshown before acceptance
Fees and chargesitemized upfront
Effective interestdisclosed in app
Illustrative only. Actual terms are determined by Sentro’s credit assessment.
A platform built like a bank.
Sentro is operated by a regulated lending company with a defined governance structure and named officers responsible for compliance, risk, technology, data protection and collections.
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Regulatory alignment
Aligned with the Securities and Exchange Commission, the National Privacy Commission, AMLC, and the Financial Consumer Protection Act.
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Governance committees
Dedicated Risk Management, Audit, and Compliance committees oversee credit policy, internal controls, and regulatory adherence.
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Risk management
Credit, operational, cybersecurity and fraud risks are continuously monitored, with controls including portfolio surveillance and early-warning systems.
Your data, protected as a default.
We handle borrower information under the Data Privacy Act, with technical safeguards layered into every step.
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Encryption everywhere
Personal and financial information is encrypted in transit and at rest, with managed keys and modern transport security.
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Access control
Role-based access to borrower data, with audit logging and the principle of least privilege applied across systems.
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Continuous monitoring
System monitoring and anomaly detection track suspicious activity, with a defined cybersecurity incident response process.
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Data minimization
We only collect what is needed for KYC, credit assessment, and service delivery — and retain it only as long as required.
Fair, transparent, respectful.
If something is unclear, we want to hear about it. Borrower complaints are received, recorded and resolved through defined channels.
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Reach our customer service team through a dedicated support inbox — every message is logged and assigned for response.
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Hotline
A customer assistance hotline is available during published service hours for time-sensitive concerns.
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In-app complaint
Submit a complaint or inquiry directly inside the app, with a tracked turnaround time and an escalation path for unresolved cases.
Why Filipinos choose Sentro.
“The disclosure was clear before I accepted. I knew exactly what I’d repay and when — no surprises later.”
“Verification took a few minutes and the whole process felt calm. It didn’t feel like I was being pushed into anything.”
Looking for a banking experience that respects your time?
Quick reviews, flexible terms, and easy financial management — quietly, in one place.