Hi! I currently have several loans from different lending platforms, with a potential total outstanding balance of around ₱150,000.

I'm planning to apply for a bank loan to pay them all off and consolidate my debts into one monthly payment using my salary.

For those who have tried this, is it a good idea? Which banks would you recommend, and what should I consider before applying?

I'd appreciate your advice and personal experiences. Thank you!

I’m a first year college student tapos na first semester namin kaso i still have an oustanding balance that I haven’t paid back yet they won’t let me enroll unless mabayadan ko ito nag hahanap ako ng work for months para sana ako na sumalo ng tuition fees ko kahit kaunti but with no luck wala padin tumatawag o tumatanggap.

Hello!!!

After completing the online form for a personal loan, will I submit the documents right after? Also, how many days before they respond or confirm that they received your email/application?

Thank you!!!

Badly need help and advice. May utang kaming almost ₱600k. Pareho kaming nagtatrabaho ng wife ko, ako ₱38k ang sahod and si misis ₱36k, with 3 kids to support. Sobrang nakakapagod na. Araw-araw iniisip mo kung paano pagkakasyahin ang pera, paano babayaran yung mga utang.. Kahit pareho kayong nagtatrabaho, parang kulang pa rin talaga. Minsan, uutang ka na naman para lang may pambayad sa dati mong utang kasi wala ka nang ibang choice. Paulit ulit nalang hindi ko na alam kung paano magsisimulang makaahon.

Neto lang magkasunod na naospital yung dalawa naming anak dahil sa pneumonia, at umabot din sa ₱100k yung gastos. Tapos wala pang emergency fund. Gusto ko na maayos finances namin.Sinusubukan din naming maghanap ng extra income, pero hirap din makahanap. Hindi din makautang sa bangko dahil parehas kaming contractual employee lang.

Baka may kakilala kayo na legit na financial advisor or debt management expert na puwedeng tumulong gumawa ng realistic plan para sa sitwasyon namin. Yung hindi nagbebenta ng insurance o kung anu-ano, kundi talagang tutulong mag-budget, mag-manage ng utang, at magplano kung paano makakabangon financially.

Sa mga nakaranas din ng ganitong sitwasyon at nakaahon, baka may ma-share kayong advice kung saan magandang magsimula. Salamat.

Need po ng advice and experience nyo about sloan/spay

Tumawag yung monee credit nag remind regarding sa od bal. Ko since ayoko na mag tapal system, od na kung od, sabi nung tumawag sa akin ngayon oct. 28,2026 7:20am kpag hndi daw ako naka bayad till saturday hndi na ako makaka gamit ng shopee kahit cod purposes pa yan hndi na sya magagamit daw. And sa bank na lang ang magiging payment method kapagag settle ng sloan/spay. Tpos khit daw mag cs ako hndi na daw mawawaala ang frozen ng acct khit fully paid, It that true? Anyone po naka experience nito please help me po kung ano pa mga dapat gawin.

Sloan od pa lang po ng ilang days start nung oct 22,2026

Spay -( wLa pa nman due ko is sa 5 next month)

Thanks to all.appericiate all your comment and suggestion

Hello. Im curious to those who applied for the timeline. Ive been looking for how long this may take.

To those who applied who are self employed, how many weeks po? I was told meron pang CI sa business. Will the whole process take around 3-4 weeks?

Magandang araw. I have a loan offer from CTBC, malaki siya at nagulat ako kasi hindi siya katulad ng mga kilalang trad bank. Will use it for business purposes. Hesitant akong kunin kasi 1st time ko sa bank na ito. Hingi sana ako insights sa mga may current loan po kay CTBC, kamusta po?

Finished off paying my 100K Maya loan that I am paying 18K/mo. Next time im getting one I just go to Physical Bank rather than here, % for Maya is too freakinly high if they know you are a high earner

Hello just want to ask if is it possible na malalaman ng mga creditor kapag may history of utang pa yung debtor? I just use my parents ID kase sa shopee then hindi ko pa nababayaran ng 2-3 months until now then bukas yung parents ko kukuha ng appliances then babayaran nila monthly, possible kaya na malalaman ng creditor na may history pa na utang at dipa nababayaran?

Magandang araw. I have a loan offer from CTBC, malaki siya at nagulat ako kasi hindi siya katulad ng mga kilalang trad bank. Will use it for business purposes. Hesitant akong kunin kasi 1st time ko sa bank na ito. Hingi sana ako insights sa mga may current loan po kay CTBC, kamusta po?

Hello, I need to find a bank that would lend me 150k to payoff other debts para sana isa nalang yung iisipin ko. I tried UB pero hindi nagpproceed. Any recos I could send out to? Got regularized last year so nung kumuha ako ng COE hindi pa siya 1 year, Can I still get approved?

Hello po! Baka may mairerecommend kayong bank or legitimate bank loan agent/representative na puwedeng mag-assist sa personal loan application ko for debt consolidation.

Sharing my current credit profile for reference:

TransUnion Credit Score: 676

TransUnion Risk Grade: FF

Loan Amount Needed: ₱200,000–₱250,000

Purpose: Debt consolidation para mas maayos kong ma-manage ang monthly payments ko.

May existing personal loans pa po ako sa UnionBank, CIMB, at Metrobank, pero ang goal ko sana ay makakuha ng loan na makakatulong pagsamahin o ma-manage nang mas maayos ang mga existing obligations ko.

Banks/lenders na na-applyan ko na:

CTBC Bank

EastWest Bank

BPI

SB Finance

Welcome Bank

May ongoing follow-up pa po ako sa ilang applications, kaya naghahanap din sana ako ng ibang possible options.

May mga bank loan agent or representative po ba rito na puwedeng mag-assess ng profile ko at mag-recommend kung aling bank ang may chance na mag-consider ng application ko, kahit FF pa ang current TU risk grade ko?

Mas preferred ko po sana ang legitimate bank personal loan na may reasonable interest rate at monthly amortization na kaya ng budget ko.

Sa mga may similar experience or nakakuha ng personal loan for debt consolidation, anong bank po ang puwede ninyong i-recommend based sa ganitong profile?

Thank you po sa anumang advice or recommendations! 🙏

Hi everyone! I’ve been unemployed for almost 5 months due to layoff sa previous company ko. May bago akong employer ngayon and same silang partner ng SAVii and same Security Bank ang payroll. I received an email na my loan is already porting in progress. Meron na ba nakaencounter sainyo nito? Gaano katagal bago sila nagdeduct sa new employer payroll niyo?

Please let me know guys, I tried reaching out to them sa email pero wala silang response. Ang hirap na wala akong makukuhang sahod sa first payout ko. :(

Oct 12 - received the email of the requirements. Submitted the same day.

The sales agent handling my case is very hands on and nag aupdate sya from the to time sa mga need especially pag may kulang. However my company moved to a different location which created a discrepancy. Now nung pinuntahan nila for CI, di daw sila pinapasok sa building since di sia authorized. Now they emailed my HR and asked if it is a virtual location and HR said yes even if it isn’t.

Oct 27 Ngayon need nila ma verify daw yung payroll account ko even after providing the statements. Eh hindi naman sila nanghingi sakin ng actual authorization to verify it. Meron ba here that had the same experience na need pa ng Payroll Bank verification.

Maaapprove pa kaya itong loan ko? Sana meron credit investigator dito for idea. Thank you!

Hello anyone know how to convert skyro credit to cash? I am not eligible to cash out yet

I got a call from finbro and i told them i can't pay because my uncle got hospitalized, they said i can email but they want proof. Is it okay to give them documents?

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I borrowed ₱30,000, fully aware of the high interest, because I was expecting funds to come in. Unfortunately, that didn't happen. I've been overdue since Saturday, and I've been receiving numerous calls and text messages. Some of the messages claim that they will conduct a home visit and contact my references.

For those who have recent experience with MoneyCat, do they really conduct home visits? Do they actually call references or post anything on social media? I'd appreciate any insights. Thank you.

I was looking at places I can borrow money from in the future incase I would need to. So I Stumbled upon SLoan, you pay the interest per MONTH based on the Principal not on the current outstanding loan.

The formula to get p.a. from Monthly is Monthly×12 (4.45 here but the non discount is 4.95 so 4.95x12=60) and quite possibly illegal since iirc the most lenders can charge is 3% per month or 36% p.a.

Hi guys, gusto ko lang malaman gano katagal bago gumawa ng action yung mga collection company, and may nakulong napo ba? hndi naman ako od sa atome, pero gusto ko sana mag loan ng 100k pang apply sa ibang bansa, hndi ko alam kung kelan ako matatanggap babayaran ko nalang sila pag nakapag abroad na ako. Wtyt guys?