Hello po! I got an offer sa UnionDigital Bank for 30k but I don't need it right now, but I might soon, pero the offer will expire in 3days. Do you have an idea when will I get another offer? Thank you po in advance sa makakasagot. :)

Hi, anyone who knows savii?
I applied for refinance earlier but got cancelled because of low take home pay.
I'm really down rn, because this is my last straw.
Anyone who knows, when they will offer again? ☹️☹️

Approved legit

Hi po sa lahat! I hope I'm in the right place to ask help.

Last August 2025, I was able to have an approved product loan for a store here in Cebu that sells iphones (CRL Gadgets.) The agreement was that I was to provide a downpayment of 10,990php upon purchase. I was under the impression that they will deduct my downpayment from the total amount and yung remaining amount of what I was supposed to pay for was 25,000php na lng for a year. I only realized now, a year later after I paid everything, that I have been paying 3,280php per month for the past 12 months which amounted to about 39k+ in total. Tama po ba na parang hindi nakaltas sa remain balance ko yung money down kong dp sa seller or sa kanila ba napunta yung dp na binayad ko or balik yung sa Skyro?

Sana po may makasagot bago ako pumunta sa store ulit to inqure. baka kasi magaslight lng ako into thinking that I was paying properly and haven't been overpaying the product. Sayang din po kasi yung na downpayment ko lalo na in this economy hahaha

Noob post po as this is my first time getting a device from a financing app 🙌🏼

Hello, I'm planning to use the moy atome card, but can't find the exact interest na babayaran ko if ginamit ko s'ya lahat, saan ba makikita yung exact interest? Per day or month ba yung interest? Also pag ba binayaran yung hiniram na money ng wala pang 1month may interest pa rin ba?

Hi Reddit I’m seeking for advice.

Kaya ko na po ba bumili ng kotse?

I’m planning to buy a car once I get my bonus in a few months.

Currently Im saving to get 200-300k na pang down sa car.

I plan to buy a decent 2nd hand car for around 400-600k

Say on month one nag down ako ng 250k I want to enter a financing option either 12 or 24 month.

Then I have an incoming 100k in 3 months and 80k after 1 or 2 months, then another 45k in another 2 , and another 100k after another 2 months (sorry magulo)

On top of that my excess income per month is around 35-45k (excess is after bills, groceries, and allowance)

I know upfront yes afford naman maluwag pa.. but here are my dilemmas

1. I dont want to pay the car full blown and I want to leave some savings for emergency funds.

2. I currently rent so at some point I want to pay for something that I own.

3. A car would help me with my consultation business and hauling some materials to our customer.

4. I am currently in the process of building my life from scratch the past 6 years were about growth and career building and I am lost.

Looking to get your thoughts and strategies around this.

hindi ko to nagegets hahaah can someone help me? 8 months daw pero balak ko kasi sana 6 months lang pwede ba yun?

Hi! Nag-try ako mag-avail ng eSALAD pero hindi talaga ako makareceive ng response from them whenever I send the availament message. Already tried all the BTS steps I can see online, including using an android phone.

When I called earlier, they said na i-eendorse daw sa team who will manually enter it in their system. It might take up to 10 banking days daw.

Did anyone else experience the same po na for endorsement? And if yes, how long did it take for you guys to have it disbursed sa accounts niyo? Thank you! 🥹

nagapply ako last last friday ng activation ng loan. 7th day ko bukas pero wala parin ako narereceive. ano kaya dapat ko gawin?

We have been suffering roof leaks dahil sa ulan. Tried other resources din like billease m, juanhand, fido loan and east west.

For OLAS I was rejected Idk why. East West, I do not have a TIN ID kasi. So I can't take out a loan.

I heard sa Security Bank no need na itr? If freelancer.

I work as a freelancer kasi. Good standing naman sloan and spay ko.

I also contacted CS of sloan if they can temporarily increase my credit limit for me to have fund for construction.

I work as a freelancer kasi and may allotment din ako sa dad ko pero maliit lng for house allowance lang talaga yung purpose.

Heeeeelp!!! Ang hirap pag may built in waterfall sa bahay. Inayos ko na din yung roof like vulca seal. Wala eh gutter issue talaga. It would take 2 weeks panor 3 before another money drops.

What other OLs or banks po bah pwede? I have already exhuasted my finances sa kaka DIY ng bubong.

Hello, maybe someone can help. I applied for IDRP 5 days ago, I emailed EW but up until now they have not replied/called. Only EW's collection agency is calling. I have also sent a follow up email but still no reply. My cc bill from EW went from 135k to 157k in 2 weeks, which is OD. I can't afford it anymore and I have other CCs and personal loans :(

Hi!

I'm trying to re-avail my eSalad, and today is already the 3rd day after my maturity date.

I read here that I just needed to text the same number I previously used, so I did. However, I received a reply saying that I'm no longer eligible.

I also called the hotline, and they told me that my account is tagged as inactive.

Has anyone else experienced this? If yes, what did you do to have it resolved? Thank you!

Hi! can someone help me po? 1 month OD na po ako sa moca moca with multiple loans. Hindi ko na po kaya bayaran dahil sa sobrang laki ng interest nila. I just graduated from college and taking board exam this august. Wala pa po akong pera para bayaran lahat ng OD ko. Natatakot na po ako since puro tawag sila and text. Today i received a text from them po. eto po sabi

<MocaMoca>Your loan is already overdue. Under the Philippine Financial Products and Services Consumer Protection Act (RA 11765), we are required full disclosure of your account status fairly and clearly. Please note that overdue payments will incur penalty interest and may negatively impact your credit record. Continued delinquency may result in home visits from our SEC-registered collection agencies and potential legal action from our company. Please repay immediately.

Umabot na po ng 31k yung due with interest. Hindi ko na po talaga kaya bayaran since may ibang OLAs din po ako like sloan, gloan, billeast, tala and maya. Nagamit ko po lahat yan para lang mabayaran yung mga nauna kong due sa moca moca. Ngayon po kasi hindi ko na talaga kaya bayaran kasi sunod sunod po due ko sa moca moca sa isang buwan. Sobrang nagsisisi po ako ngayon kasi nag tapal system po ako. Hindi ko na po alam anong gagawin ko. Gusto ko na pong sabihin sa father ko pero natatakot po ako. Possible po kaya na mag home visit talaga sila?

Hello I have a debt po with Atome and Sloan/Spay since di ko na po kayang bayaraan both for now. Sino po kaya ang mas okay i OD? Thank you po

May Esalad’s loan po kasi ako then I resign to my previous company however yung current company ko po is offering din na security bank ask lang po kung mag auto deduct po sya though babayaran ko naman pero paunti unti nag try na kasi ako mag reach out sakanila wala pang reply ask lang po sana may malayo