Who’s borrowing, how they use credit, and where the risks lie: aggregated from the LenderLink network.
From January to September 2025, LenderLink aggregated millions of credit records exchanged among member lenders. The data reveals how borrowers across the Philippines are applying, borrowing, and repaying, as well as how shared data is giving lenders a clearer, more inclusive view of credit behavior.
Key highlights
- Borrowers are primarily 25–44 years old
- 39.9% are based in Metro Manila and Southern Luzon, with room for expansion in Visayas and Mindanao.
- The average loan size reflects strong activity in small-ticket, short-term credit such as payday, credit line, and POS loans.
Why it matters
For lenders, these insights show a maturing but still underserved borrower landscape. The market remains dominated by short-term, liquidity-driven loans, but growing participation from lenders offering asset-backed products is broadening visibility across borrower segments.
With over 36 million data pool, 600,000 records exchanged to date, and a 60% hit rate on thin-file and unbanked borrowers, LenderLink continues to help lenders make sharper, data-backed decisions — identifying reliable borrowers earlier and expanding credit access responsibly.
See the full report
Fill out the form below to download the complete Consumer Credit Insights Q1–Q3 2025 report.
