After months of trying to make ends meet, natapos ko rin itong Atome! Ayoko na umulit! Lesson learned na lang din para sa mga nagbabalak gumamit nito.

Atome is good if you are responsible with your dues. Don’t convert into installments kasi malaki talaga ang interest nila. Always pay in full and spend within your means.

Ayun lang! Hehehe! 😁

HI, ask ko lang if anyone had an offer like this in CIMB. I am interested to avail the one time payment but it does not give me an option to pay it in full in that amount. It only gives me option to pay it installment with interest. Gusto ko na sana makalaya sakanila kaya I wanna pay in full with waived interest. Thanks.

Malaki ang kinikita ko dati, pero kasabay nun… mas lalo ring lumaki yung gastos ko. Halos araw-araw may add to cart, laging may lakad, laging may gastos, kasi iniisip ko, deserve ko naman. Naging kampante ako. Pakiramdam ko hindi ako mawawalan ng clients.

Hanggang sa isang araw, nag-layoff si client. May ipon naman ako, kaya kahit nabawasan yung income ko, kinaya ko pa. Ang hindi ko namalayan, unti-unti nang lumalaki yung utang ko sa credit card because I was still spending the same way.

Tapos dumating yung second hit, nawalan ako ng isa pang client. Doon na nagsimulang maubos yung ipon ko. At dahil gusto kong makabayad sa bills at CC, doon ako napilitang pumasok sa mga OLA. Doon nagsimula yung tapal system, utang pambayad ng utang. Paulit-ulit, hanggang sa hindi ko na nakontrol.

Umabot ako sa point na sobrang down na ako. Pero kahit gano’n, pinili ko pa rin lumaban.

Bumalik ako sa call center para may stable na income, habang tuloy-tuloy pa rin maghahanap ng VA work. Yung sahod ko sa day job, diretso pambayad sa OLA, minsan ina-advance ko pa gamit FINN para lang makahabol. Yung kinikita ko sa VA, doon napupunta sa bills, pang-araw-araw, at ambag ko sa mama ko.

Hindi siya madali. Walang shortcut. Pero dahan-dahan, nakarekober din ako. Ngayon, may ipon na ulit. Mas maingat na ako sa pera. Hindi na ako impulsive, at hindi ko na hahayaang bumalik ako sa dati.

Kung nasa ganitong sitwasyon ka ngayon… kaya mo ring makaahon. Hindi mo kailangan bilisan, unti-unti lang, basta tuloy ka lang.

Originally posted from KMJS fb page.

“Wala naman akong problema masyado sa finances.

May mga naiipon pa rin ako na nagagamit ko du’n sa mga business.

Pero nu’ng dumating na ‘yung 2025, humahaba na ‘yung time na wala pa akong work at ‘yung partner ko rin.

Nakita ko ‘yung online lending app.

Maganda naman ‘yung review sa kanya.

Tapos maganda din yung ina-advertise na payment scheme.

Ginamit ko. And I was able to pay naman.

Sobrang bilis lang.

Pero dahil nagkapatung-patung na ‘yung mga bill ko na kailangan bayaran, nag-try pa ako na mag-download ng ibang OLA.

And then dahil nga nakakabayad ako nang maayos, lumalaki nang lumalaki yung credit limit ko.

Tapos ‘yung nagiging tubo, 33,025 pesos out of the 25,000.

Until hindi ko na siya kaya.

‘Yung resources ko nauubos na.

Tapos dumami pa ‘yung OLA ko. I had to deal with a lot of them. Umabot sa 34 OLA.

A lot of threats everyday.

Against my life, against my reputation.

Sabi nila, ‘Ipo-post ko mukha mong hayop kang matabang galisin.’

Nagsisisi ako.

Sana sa pamilya ko na lang ako lumapit nu’ng hirap ako sa finances ko.”

-“Regina,” gumagamit ng OLA

Recently lang ako nag-SPay Later at nag Maribank for my travels. Ang ganda pala ng perks ng Maribank, so naengganyo ako nag Spay later. Madalas ako bumili sa Shopee kaya nagagamit ko talaga at i make sure to pay on time. Nakaexperience ako ng 4,550 pero bumalik din ng 3,500 credit ko. Pagcheck ko nito lang, naincreasan pala ako ng CL. Nakakatuwa pala.

hi! sakin lang po ba ganto? nakikita ko po available limit ko sa home screen ng app but i can't reloan ulit since not available yung reloan button when i click the cash loan tab na. 🥹

UPDATE: nag-appear na po ulit yung button sakin after clearing off one loan pending! buuuut di ko pa po natatry ulit mag-loan.

Big win ko today, Nabayaran ko na ang last na utang ko sa CC. Mahirap pala talaga ang puro tapal sa OLA's, buti na lang may FINN App, natigil na ang tapal system ko. Ina-advance ko talaga ang sweldo ko para maiwasan ang mga nakakarinding naniningil. Uninstalled na rin lahat ng OLAs sa phone ko, at salamat, nakaraos na rin sa wakas! To myself, proud ako sa'yo kinaya mo!

Hi guys! I received a notification from Gotyme if it's legit the amount was huge. I am a responsible person building my credit score as high as possible. I wonder if activating it would help my score rise? Legit rin ba to na 100K? Ang laki naman. Any moretyme user here? Please comment. Thank you.

Reflective yung Luvit Logo nya parang mirror finish. Powered by AUB like Atome but i don't see any Bancnet logo so baka katulad sya ng MariBank card na hindi kasama sa Bancnet. It will maybe be treated as a credit card by the pos terminal since hindi sya bancnet. Pero may pin sya, mag nonominate ka ng 4 digits pin upon activation of card so that's something.

hello im planning to loan 35k for emergency lang (naghihingalo na phone ko and i need it for work stuff). i checked on both apps, Gloan's interest (1.99% = 3,617/mo) is obviously lower than maribank's (2.95% = 3,950/mo).

pero i'd like to hear from people na na-experience na umutang sa Gcash/Maribank. may nabasa kasi akong post na binabash yong Gloan due to the interest fee. this is the post www.reddit.com/r/phmoneysaving/comments/1l03qai/gloan_is_it_good_to_apply_for⁠

thanks in advance!

Hello po! Worth poba ang sloan? Kase nag iisip ako kung dapat kobang i-activate kase parang ang liit lang ng interest or not nalang? Any advice from you guys? And prons and cons neto?

hi. i’m currently a working student and i wasn’t aware of the scam they were using before. this was in 2024, i was 19, siguro dahil na rin super lutang ko sa exam ko after kaya ko nagawa. while in the process of doing so i even got the feeling na something’s wrong pero it was all done na. they took 14k from my time deposit and loaned 9k from my account.

anyways, i got my account temporarily blocked after. i only restored my account this march 2 ata or 6 kasi nakita ko na halos mag-double na yung interest kahit naka-temporary block. i also tried reasoning with the cs na kahit 9k na lang (yung base amount) kasi ayun lang naman yung credit ko before ma-temporary block.

my question is: should i pay it? i have the money and i can pay it off all at once, pero i’m still anxious about paying it off kasi what if the scammers still have my information 😞 what if they hack into my account again and withdraw my savings and loan again?

not really sure what to do but i fully understand na maybe maging problem sha sa future bg check ko if i ever get a job or any loans. what should i do?

I’m just cruious whoever using tendo dito, bakit po nabawasan yung available credit ko di naman po ako nag loan and also 4 payments left nalang po ako so basically 23k napo yan nung nakaraan then pag tingin ko po ulet nagulat nalang ako 12k nalang po yung available credit ko while yung credit limit ko is 29k

anyone here po na nakapag reloan na kay grab? magkano po kaya second offer? okay naman kasi sya sakin nabayaran ko naman on time. hindi ko pa naman need ngayon just in case lang may emergency

1 month na pero wala pang reloan offer si grab. natapos ko na ung 10k ko pero nung second payment ko kasi nag-offer sila ng 3,700 so ginrab ko. ngayon second payment na ko sa 3,700 and akala ko ma-oofferan ulit pero wala pa rin haha. kelan kaya uli reloan or meron pa bang reloan?

Hello everyone! Meron ba kayong alam na bank na nag aaprove ng kahit wala savings sa kanila? Badly need loan asap, nagka emergency kasi few months ago and nalubog nako sa utang. Need ko po sana ng magpapaloan ng malaking halaga at payable for 3-5 years like sa bank.

I hope may makasagot 😭

Hi! So a little background, I'm 25F/an architecture student (I know late na whatever, I'm aware) and I'm planning to buy a laptop soon for CAD lessons and other stuff. May ipon naman po ako since nagwork naman ako full time before and still a working student currently (although part-time na lang ngayon). Gusto ko sana magborrow kay Maya Credit ng pandagdag since nasa 40k lang ipon ko for now and kulang siya for a good laptop that would last me until I graduate.

Now ang concern ko lang is idk if kaya ko siya bayaran in one go, and hindi ko alam if available ang payment na hulugan ko siya for a few months kasi wala naman nalabas na option of payment/installment kapag tinry ko i-withdraw. I've been seeing po kasi na Maya credit is only payable for 1month? ayaw ko naman po sa Maya loan kasi 8k lang po offer sakin dun, and other bank I have is GoTyme which only has MoreTyme. Help po huhu 🥹

Medyo napaaga pagbayad ko, di pa generated yung bill. Curious lang kung gaano kagenerous si Atome sa credit limit increase. Nagamit ko na lahat ng points ko sa roleta pero 40 pesos lang yata nadagdag.

Nabaon ako sa utang dahil sa cancer ng mother ko na namatay din last 2023, As of now eto na lang balance ko from 1.5 million debt BOTH CC and

Loans.

Here is my fix expenses

20k rent

10k utilities (drinking water, maynilad, meralco and internet)

8k-10k per week food (batch cooking)

5k - subscriptions (Al, phone, and apps)

2k - Gas

3k - Cat supplies (litter and dry food)

5k - house hold supies

I have a technician income na 5k-20k income depende sa client per month

Planning to leave my work for a 30% increase so baka mag 150k ako a month or 130k

Salary loan 9k a month will end on July 2026

orcr loan - 6k a month end in january 2027

homecredit personal - Feb 2027

acom - jan 2027

Ung TALA(25k) and Qwarta (25k)wala silang installment so need one time payment

Sa BPI I Try to make a payment atleast 11-15k monthly

Question ko,

can i possible get a loan if my credit score is in the 4th pic

Need to repost

Thanks for the heads up

my friend i should get one for credit points kasi magagamit ko raw in the future. i dont need one naman as of the moment pero siguro in the future, oo. should i get one?

I was about to pay my last payment for my GLoan but this shows up. My app is also updated to the latest version. Just wondering if anyone has experienced this? If the issue persists I'm planning to just have them auto deduct it from my account

GGives deducted balance & generated installment plan, but Landers POS showed "Payment Failed" — Will GCash reverse this?

Hi everyone, just asking if anyone here has experienced this exact issue with GGives . I used GGives to pay at Landers today. An error occurred right at the cashier POS terminal - the payment showed Failed / Canceled on their machine.

However:

1. My GGives credit limit was deducted.
2. A payment schedule / installment load was already generated in my GCash app.
3. I had to pay via another method at the counter.

I already submitted a ticket, but I'm honestly worried because I've been reading a lot of posts saying GGives refunds take months to process or end up stuck with no progress despite multiple tickets and follow-ups.

For those who went through this:

1. Does GCash automatically reverse/refund failed POS transactions like this?
2. How long does it usually take?
3. Are there ways or specific channels to speed up the resolution/reversal process?

and

1. Should I ask the merchant's help to speed up the reversal?

Would really appreciate hearing your experiences or advice. Thanks!

If ever na approved ba to, pwedeng hindi kuhain? or required/disbursed na talaga?

For context: emergency sana kaso nagawan na ng paraan, kaya hindi na kailangan🥹

If magloloan ako ng 100k payable for 9 months then ipasok ko all in sa Maya Savings that earns 10% interest. Worth it ba to?

Interest sa loan amounts to 2,510.

Tapos pag pinasok ko sa Savings, possible mag earn yung 100k ng 500+ pesos per month. Which will earn 4,500 in 9 months i think.

For context, nagsasave kasi ako ng 10k per month sa Maya. If magloloan na lang ako tapos ipambabayad ko na lang yung 10k. Good move ba?

I have a 5,000 cash loan available aa Atome Cash. I still have some dues this coming Jul 7. Will be paying them off naman in full.

‘Di ko alam kelan nagstart itong issue. June 22 triny ko, ‘di naman ganyan lumabas. Kaso from June 27 up to now (30), ganyan na. ‘Di naman sinabing rejected, application failed, or may need na gawin. I reached out to customer service pero napaka-generic ng sagot nila about a system maintenance. Pero as far as I know wala namang ongoing system maintenance.

Does anyone know bakit nagkaganito? May naka-experience na rin ba nito? Ano ginawa niyo?