Who’s borrowing, how they use credit, and where the risks lie — aggregated from the LenderLink network.
In the first half of 2025, LenderLink aggregated over 1.5 million loan requests from 102,000+ unique borrowers across the Philippines. The data provides a rare view into the real borrower landscape across demographics, regions, and repayment behavior.
Key highlights
- 60% new borrowers, 40% repeat borrowers: steady growth in demand plus ongoing reliance from existing clients.
- Borrowers are in their peak earning years.
- 38.6% of borrowers are from Metro Manila and Southern Luzon.
- Average loan size: ₱8,700.
- Repayment stress remains high: defaults are most concentrated in the ₱5,001–₱15,000 loan range.
Why it matters
For lenders, these insights highlight both opportunity and risk. The demand for small- to mid-ticket, digital-first loans is strong, but delinquency patterns show where exposure can quickly escalate.
With more than 30 million credit records to date and a 60% hit rate on thin-file and unbanked borrowers, LenderLink enables lenders to make sharper decisions using real borrower histories.
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