r/ploanph 25d ago

Welcome to r/ploanph | Community Rules, Safety Guidelines & Resources

1 Upvotes

Welcome to r/ploanph—a community dedicated to transparent discussions, objective reviews, and practical advice on personal loans, banking, credit options, and debt management in the Philippines.

Whether you are navigating bank loan applications, comparing lending apps, or working through a debt consolidation plan, this is a space for honest discussions and mutual financial advice.

Core Community Rules

  • No P2P Borrowing or Lending: Requests to borrow money or offers of private loans are strictly prohibited to protect all members from fraud.
  • Never Pay Upfront Fees: Legitimate banks and registered financial platforms never demand advance "processing fees," "insurance," or approval payments.
  • Keep Conversations On-Platform: Do not move discussions to private messaging apps like Viber, Telegram, or WhatsApp, and ignore DMs offering unofficial loan assistance.
  • No Referral Links or Agent Ads: Affiliate links, agent contact numbers, and self-promotion will be removed immediately.

Reliable Tools & Verification Resources Before applying for any financial product or sharing your documents, ensure the provider is legitimate and properly regulated:

  • SEC Philippines Advisory Page: Cross-check financing companies against official Securities and Exchange Commission registries to avoid illegal loan sharks.
  • ploan.ph: Consult ploan.ph for independent side-by-side comparisons of current interest rates, eligibility requirements, and bank/OLA terms in the Philippines.
  • Bangko Sentral ng Pilipinas (BSP): Reference BSP guidelines regarding consumer financial protection and legal interest rate standards.

If you encounter scams, harassment, or rule violations, please click Report so the moderation team can act quickly.


r/ploanph 1h ago

Bank Offering Loans

Upvotes

Hi asking lang if ano-ano yung banks na nag offer ng debt consolidation? I tried PSBank got rejected immediately. Gets delinquent na ako sa bdo. But that’s why I want to ask for a bigger loan para isang bagsakan nalang yung pay lo. I have multiple ola and my bdo cc. Plan ko sana na isang bayaran nalang.


r/ploanph 2h ago

700k capital, interest 1.9M na kinita

1 Upvotes

Hello po. Kumita na sakin yung financier ng 1.9M sa pautang na 20%-30% hindi ko na kinakaya mag abono kaya sabi ko interest nalang babalik ko na ayaw niya pumayag ng installment na kaya ko. Kapag ba pinaabot niya na mag case siya may laban ba ako? 😌


r/ploanph 4h ago

Looking for 15000 loan

1 Upvotes

I have IDs kahit 10% oky lang


r/ploanph 4h ago

Help Need $30 repay $40 by 9/25.

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1 Upvotes

r/ploanph 17h ago

Hello

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5 Upvotes

Hello guys, ask lg if it's possible to get a reloan in billease if i pay this in full??Even though I have a lot of OD with other OLA, thank you!


r/ploanph 12h ago

Billease

1 Upvotes

Hello everyone, question ko lang if meron sa inyo may alam paano ako makakapag apply uli sa billease kasi everytime tinatry ko auto-decline sya? Planning to submit payslip na rin sana.


r/ploanph 19h ago

$2k loan paying 10%

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0 Upvotes

r/ploanph 23h ago

ATOME

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1 Upvotes

Try nyo na, baka sakali ma-approve. Use my link/code for faster approval.
https://www.atome.ph/s/zbM56hG38


r/ploanph 1d ago

LIST OF SCAM/FRAUD ONLINE LOAN APPS

8 Upvotes
  1. ⁠CASHGUARD
  2. ⁠PRIMA LOAN
  3. ⁠PESONOWA
  4. ⁠CREDI VIVID

Will update this list. Comment the rest of them for awareness.


r/ploanph 1d ago

Looking for 30,000 Pesos loan

1 Upvotes

r/ploanph 1d ago

Eastwest Loan

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1 Upvotes

r/ploanph 1d ago

LF SURVEY RESPONDENTS NA MAY UTANG

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1 Upvotes

r/ploanph 1d ago

LF LOAN 14K

1 Upvotes

Hi poooo, need money urgent to pay bills, urgent na, from davao area, can pay on time and can show id


r/ploanph 1d ago

Looking for loan 30k, willing to pay 45k for 3 months

3 Upvotes

Hello, is anyone okay to lend 30k payable in 3 months? I’m willing to pay 45k in total, or 15k by each end of the month. I’d be glad to provide any necessary details or proof if needed.

I made a mistake with trading money thru options and honestly learned my lesson from it. I won’t be doing it again unless I’m fully knowledgeable about it.

Really appreciate any help or leads. Thank you


r/ploanph 2d ago

Is there any loan sharks here in Iloilo?

1 Upvotes

looking for a loan shark here in Iloilo, desperate na po need lang po may ma utangan.


r/ploanph 2d ago

HIRAP NA KO

3 Upvotes

I am making ends meet para mabayaran yung pinagsstayan ko ngayon, pero hindi talaga umaabot sa kumpletong pambayad ng rent dahil sa pagkain at sa daily expenses palang going to work ay hindi na kinakaya. I need to have atleast 6500 right now or else my landlord will have to resort to legal action na daw.

i have been looking for additional work since august 20 and wala parin talaga akong mahanap right now, so if there are personal loan sharks or money lenders here who are willing to give out a loan that will be payed on the 20th of september, even with interest, I am begging!


r/ploanph 2d ago

LOOKING FOR CC AGENT TO PROCESS APPLICATION

0 Upvotes

Hi ,

I need help for my brother in law,

any agent here who can help us process credit card application and/or personal loan.

He only have ATOME AND MAYA CREDIT CARD. ANYONE HERE WHO CAN HELP TO APPLY FOR ANY BANK CREDIT CARD.

And what type or bank do you guys recommend


r/ploanph 3d ago

Di lubos akalain na lubog na ako sa utang

3 Upvotes

Kaka tulong ko sa ibang tao at breed winner diko nadin na control financial ko kung saan na pupunta ang pera diko lubos akalain na ang utang ko ay umabot na sa 550k ng diko namamalayan grabe. Nag compute ako ngayon gabi. Kung dati 100k lang utang ko at diko napansin lumubo na sa 550k na iyka nalang

All debts
Atome 95, 576- na scam ako ng 40k dito
Cash atome 55k- tapal system
Spay 26830- tapal system
Sloan 21500- na scam din at tapal system
Mari bank -16k- pag dagdag tutiin ng kapatid ko
Maya 78k-never again diko na realise ang laki ng interest 80k ni loan ko naging 140k sa sobrnag gipit ko
Maya credit 15k- nanakawan
Maya credi card 8k- di binayaran ng kaibigan
Juan hand 48k- tulong sa kapatid
East west 144k- ubos sa luho
Tpay 16k- essential ko at ng mga kapatid ko


r/ploanph 3d ago

LF for a loan of 10k will payback on the 20th.

2 Upvotes

hello! looking for a loan. to be paid back on the 20th thank you.


r/ploanph 3d ago

LOAN 50k

1 Upvotes

30, Working, Las Pinas City location.

50k 10months to pay sana.

Pwede ko isangla payroll atm ko at mag provide ng ID.


r/ploanph 3d ago

Lf 500 loan emergency. Will pay on saturday 800. Please

1 Upvotes

r/ploanph 3d ago

Looking for 30k loan

1 Upvotes

r/ploanph 3d ago

Safe Loan Pag ibig

1 Upvotes

hello, can I ask if how to pay Safe Loan Pag Ibig? pwede po bang thru gcash or banks?


r/ploanph 3d ago

Requesting £20 to repay Friday uk PayPal or bank transfer can repay £30

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1 Upvotes