The Filipino Borrower Report
A snapshot of the borrower profiles reported by members in the LenderLink Credit Intelligence Network.
The Filipino Borrower Report
A snapshot of the borrower profiles reported by members in the LenderLink Credit Intelligence Network.
What does today's Filipino borrower actually look like? We found 6 distinct profiles.
Prime-Time Payers
Borrows on schedule, pays on schedule, barely shows up in a risk report at all.
Rare but Reliable
Doesn't borrow often, but when they do, the loan behaves exactly the way underwriting hoped it would.
Late but Not Lost
Misses the date, not the debt. Eventually pays in full, just never quite on time.
Try, Try, Try Again
Applies more than once, gets declined more than once, and keeps coming back anyway.
Gone Quiet, Not Gone
Stopped paying, stopped answering, hasn't defaulted for good. The file that won't quite close.
All Apply, No Supply
Wants credit, qualifies for less of it than they're asking for, and applies anyway.
See where each profile sits, and what share of the network they represent, in the full report.
The six things every lender is asking right now
The full answers, with the numbers behind them, are in the H1 2026 report.
How many Filipino borrowers have a positive credit history?
Not every borrower carries negative signals. LenderLink's H1 2026 credit network data shows what share of the Philippines' credit-active population has never missed a payment.
How many borrowers default and vanish?
Default doesn't always end in collections calls. Some borrowers simply stop showing up. The report quantifies how often that happens across the network, and what it means for recovery odds.
Which loan product has the Philippines' most repeat borrowers?
One credit product stands out for fast repayment and fast reborrowing. The data shows how large that high-frequency segment really is, and why it behaves so differently from the rest of the market.
What share of Filipino loan records are delinquent?
Not every past-due account looks the same. The report breaks down how many borrower records are seriously delinquent, plus the average amount still owed once an account falls behind.
Which Philippine regions outside Metro Manila have the healthiest borrowers?
Credit risk isn't evenly spread across the country. A handful of regions post the lowest delinquency rates outside NCR.
Once a loan hits 90 days past due, can lenders still recover it?
There's a point where recovery odds collapse. The report maps exactly how many loans that cross the threshold end up written off for good.