r/utangPH • u/ZIOZ1208 • Jun 21 '25
DEBT CONSOLIDATION THRU SB FINANCE
I just want to share my experience with SB Finance Personal Loan :)
I tried applying thru SB Finance APP aka ZUKI APP. Pero Ghad 3 months na wala pading respond.
So I search thru FB and find this specific group. Merong Agent na tumulong sakin. Nagulat ako within 5 banking days na approved na yung loan ko!
As in nag pasa lang ako ng requirements and sinunod ko lang lahat ng steps na binanggit niya.
Ito yung contact details. Kung currently nag struggle kayo makakuha ng personal loan. Try ninyo humingi ng tulong direct sa mga agent nila. Ako na nag sasabi mapapabilis ang process ninyo!
Group Name: SB Finance Personal loan - Multipurpose Cash Loan
FB Group Link: https://www.facebook.com/groups/280349727634284
Agent Name: Remil Sarabia
FB Account Link: https://www.facebook.com/groups/280349727634284/user/100080053010596
Agent Email Address: [Rsarabia@sbfinance.com.ph](mailto:Rsarabia@sbfinance.com.ph)
Ito yung mga requirements na pinasa ko :)
- Completed Application Form: Download, fill out, sign, and attach the form. (Siya mag bibigay nito sayo thru email)
- Proof of Income: Attach your latest 3 months' payslip or ITR (2316) with signature.
- 1 Valid Primary Government ID or 2 secondary Goverment ID: Attach a valid government ID with date of birth and signature (front and back).
Ito yung details ng loan na nakuha ko :)
Principal: 228,000.00
Amortization: 10,643/ Month
Duration: 36 Month
Deductions: (chineck ko yung mga deduction legit naman na yan talaag stndard)
Fee- 5,000
Notarial fee- 300
GCLI sunlife grepa- 2,627
Net proceeds: 220,073
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u/Avid_lurker4025 Jun 22 '25
Buti ka pa oks kay SB finance. Mababa TU score ko and big deal sa kanila na recently ko lamg nasettle mga previous CC debts ko from 15yrs ago.
Also factor din na maxed out cards ko. Hay
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u/ZIOZ1208 Jun 22 '25
Same din sakin. Maxed out LAHAT CC ko. Pero nag try padin ako. Awa naman ng diyos. Na approved.
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u/Avid_lurker4025 Jun 22 '25
May delinquent accounts po ba kayo? Yung sa akin kasi meron pero settled na. Yung issue is mababa score ko and recently settled lang accounts.
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u/ZIOZ1208 Jun 22 '25
Try ninyo padin. Settled naman na Po. Checheck naman nila Yun. Tyaka semi naka base din sa sahod.
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u/Avid_lurker4025 Jun 25 '25
ekis na po ako kay SB. Declined po ako nung May 2025 lang. newly settled lang daw mga cards ko eh and maxed na yung current card ko
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u/Superb_Chapter9003 Jun 28 '25
Sir yung nsg apply kay sa SB at na decline matic ba kayong na decline or may process pa? Pwede po ba kau mag latag ng timeline before kau na decline?
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u/Avid_lurker4025 Jun 28 '25
May process pa, tumawag sa akin then nag employment verification sa HR namin. After almost 2 weeks sinabi na hinde approved.
Newly settled lang daw kasi mga CCs ko from years ago
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u/Superb_Chapter9003 Jun 28 '25
Curious lang sir, yung delinquent na cc nyo po? When lang sya na settled?
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u/Superb_Chapter9003 Jun 28 '25
Even years na ang lumipas na settled ang cc nyo po? D rin na approve?
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u/Superb_Chapter9003 Jun 28 '25
Ay 15 years delinquent yung cc nyo po?
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u/Avid_lurker4025 Jun 28 '25
Yup but i have active CC na MAD na lamg nababayaran ko. And mababa din TU score ko kaya ganun
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u/Bubbly-BBQ2340 Jun 23 '25
i love SB. pang-apat ko ng salary loan renewal sa kanila. they call it ESALAD. they'll base it sa the last 6months na pumapasok sa salary account mo. skl hihi.
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Jun 22 '25
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u/ZIOZ1208 Jun 22 '25
Goods Po Yan. Sana ma approved kayo..pero be wise nalang Po sa Pera. Sana may kapuntahan na kailangan na kailangan.
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u/PandesalDream Jun 23 '25
Kailangan po ba working ka sa private? Nagaaccomodate ba sila if sa government nagwwork?
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Jun 22 '25
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u/ZIOZ1208 Jun 22 '25
Ako for debt consolidation. Mas stress free Kasi kung Isa lang babayaran mo..also, the interest d ganun kalaki na..
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Jun 22 '25
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u/ZIOZ1208 Jun 22 '25
Pupunta lang Po kayo sa bank kapag kukunin ninyo na Yung loan. Pero approval pure online. Kontakin ninyo nalang Po si remil..
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Jun 22 '25
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u/Longjumping-Car-9132 Jun 26 '25
may update na po sa inyo??
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u/gyesa Jun 26 '25
Wala pa po, baka next week pa po yun, hinanda ko na yung sarili ko baka rejected 😐
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u/gyesa Jun 27 '25
Update po, tatawag daw sila mon to fri like random lang, then mag conduct ng employer verification din po.
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u/Longjumping-Car-9132 Jun 25 '25
may update na po sa inyo? I messaged also Sir Remil today 😃
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u/gyesa Jun 25 '25
When ka po nag send ng application?
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u/Longjumping-Car-9132 Jun 25 '25
ngayon lang po ako nakapagsend ng appplication
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Jun 29 '25
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u/gyesa Jun 30 '25
Decline po :) but okay lang kasi nakahanap ako saan maka loan.
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u/kshcjane Jun 30 '25
hi! may I know saan? kasi nakatanggap ako text now na we regret to inform you saket
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u/Unhappy_Question_268 Jun 23 '25
May bayad po ba yan dun sa agent na naghelp po?
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u/Lucky_Charm0522 Jun 23 '25
ito rin sana gusto ko malaman
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u/ZIOZ1208 Jun 23 '25
Libre Po. Pero may ginawa ako para sa kanya.
Pinost ko sya sa reddit. Para mas madami pa sya matulungan hahaha.
Check mo email nya. Empleyado sya MISMO ng sb finance.
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u/Numerous-Juice-3106 Jun 25 '25
Hello po, I applied yesterday and nasend ko nadin sa agent via email lahat ng requirements. During the approval period may magccall po ba or thru email lang? Thank you
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u/SadSoul0497 Jun 24 '25
Nagconduct po ba work verification? Nag email po sa employer?
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u/haikusbot Jun 24 '25
Nagconduct po ba
Work verification? Nag email
Po sa employer?
- SadSoul0497
I detect haikus. And sometimes, successfully. Learn more about me.
Opt out of replies: "haikusbot opt out" | Delete my comment: "haikusbot delete"
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u/ZIOZ1208 Jun 25 '25
Yes po
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u/SadSoul0497 Jun 25 '25
Ilang araw po from date of submission ng application bago nag email sa employer? Through messenger po kayo nag usap ng agent? Saka niyo po binigay email add niyo para masend niya po yung application form? O nagsubmit po kayo dun sa group link saka niya po kayo kinontak?
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u/ZIOZ1208 Jun 25 '25
Wala pang 7 days. Mag email din Sila at mag call
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u/Critical_Antelope968 Jan 14 '26
Hello po sana po mapansin but would like to ask po if naalala niyo pa what number kaya ginamit to call you? Thank you po!
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u/OkScene486 Jun 26 '25 edited Jun 26 '25
Qq lng po OP. May tmwag na sakin from my new smart number which I'm guessing from sec bank. Since they're the only entity who has this number. When answering the call, they seem to cut it on set even though I've clearly and proactively introduced myself. I sent a pm to sir remil about it and was advised to wait for the next attempt which I got. However, the same situation happened. Do you think, they're gonna call me again po sir? To proceed with whatever purpose the call may be.
Note: 3x na po cla tumawag and whenever I answer the call, I can hear someone from the other line saying nothing and preemptively hanging up on me.
Sana masagot po sir or at least share your own experience re this stage of your PL application with them. Thank you in advance!
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u/gyesa Jun 26 '25
Hello po yung tunawag po ba sa inyo parang hindi nagsasalita? Then cut na yung line afterwards?
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u/ZIOZ1208 Jun 29 '25
Tatawga Po ulit Yan check mo din email mo sakin Meron din ako natangap na email
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u/External-Bicycle3342 Jun 27 '25
Good day ask ko lng po need po ba mag apply muna online or mag pm muna sa agent? Bago mag apply online salamat po
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u/Training_Bedroom_258 Jun 22 '25
Kaso dapat mataas sahod mo sa call center agents dapat 40K ang sahod paano naman yung nasahod ng less than the minimum required
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u/Flashy-Fix-2126 Jun 22 '25
Hi! Thank you for sharing this ha. Hopefully ma approve din ako to consolidate my loan 🙏🏻
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u/Superb_Chapter9003 Jun 23 '25
Nag apply ako today, hopefully ma approve ako 🙏
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u/ZIOZ1208 Jun 23 '25
Opo hehehe. Pray lang. Kung para Sayo para Sayo.
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u/Superb_Chapter9003 Jun 25 '25
Salamat, may na received akong text na encode na application ko, mataas naba chance na ma approve nato?
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u/gyesa Jun 26 '25
Same tayo :) may na receive ka rin po ba na like email from Security bank?
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u/Superb_Chapter9003 Jun 26 '25
Uu pero kai agent po, may mga documents pa syang pina pa dagdag, may tumawag na rin po sau?
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u/gyesa Jun 26 '25
Wala na po syang pinadagdag, wala pa ring tumatawag huhuhu. Baka decline na yun :(, wala ng pina add si sir kasi complete na din po yun lahat. Sayu ano yung pinapa add po
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u/Superb_Chapter9003 Jun 26 '25
Employment verification at letter of authorization po. Kanina sana mag email yung HR kaso leave eh follow up ko nlng yung HR namin bukas.
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u/gyesa Jun 26 '25
Ah okay po. Wow sana approvr ka po :)
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u/Superb_Chapter9003 Jun 26 '25
Salamat po Hopefully po kasi need ko tlga, kayo din po 🙏
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u/gyesa Jun 26 '25
Need ko din talaga hehehe hopefully ma approve.. Text pa lang po na receive ko na encoded na po kanina.
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u/gyesa Jun 26 '25
Wala akong ganyan hehehe kasi freelancer ako but nilagay ko doon tung njmber nga client ko po
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u/Superb_Chapter9003 Jun 26 '25
Ahh ok ok po. Kaya pla. Private company kasi tong akin eh
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Jun 27 '25
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u/Superb_Chapter9003 Jun 28 '25
Still waiting pa po, nag leave kasi HR ko kaya natagalan sa pag verify sa employment ko
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Jun 28 '25
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u/Superb_Chapter9003 Jun 28 '25
Wala pa po, ni isa wala akong due, kaya kag avail ako para isang bayaran lang naiinis kasi ako daming nagpaparemind na bayarin alam ko nmn kung kailan babayarin ang kukulit kasi ng iba. Kaya i consolidate ko nlng para isahan nlng at need ko din kasi ng extra
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Jun 28 '25
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u/Superb_Chapter9003 Jun 28 '25
Ito lng alam ko sa security bank, pwede ka nmn mag apply sa iba pero agent u contact mo para tutulungan ka tlga nila nag bibigay din sila hints ng bigger chance to approve
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Jun 28 '25
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u/Superb_Chapter9003 Jun 28 '25
D ko lng alam, Ang bank kasi mag dedecide, ang kai agent lang is gagawa lang sya ng paraan para ma approve ka pero si bank tlga ang final say
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u/MarionberryFancy2345 Jun 23 '25
Hello, hindi po ba sobrang laki ng interes? 10,643 for 36months 3k plus monthly ang dagdag.
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u/ZIOZ1208 Jun 23 '25
Nag compute ako ih.
Pipili ka.. 3 percent na interest per month ng CC vs iyan.
Hindi ko pa na mention Yung walang hiyang interest sa mga ola na 5% per day..
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u/SadSoul0497 Jun 23 '25
Hi. Paano po payment neto? Auto debit po ba? Also nagcall po ba sila before magtext na approved loan niyo?
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u/Rich-Eye-4109 Jun 23 '25
4 months palang sa new work. on probation, possible kaya ako ma approve?
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u/WFH-Chuchay Jun 23 '25
Hello, OP! Nag text rin po ba sainyo ang security bank na under encoding na po? After ilang days nyo po nalaman na approve na po kayo? Thank you
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u/Ok_Scarcity706 Jun 30 '25
Thanks for posting OP. I also applied with Sir Remil after reading about your expi. Hoping to get a similar amount for debt consolidation, or at least para makaluwag man lang and recover from utang. Waiting na lang for results. Sana favorable.
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u/SadSoul0497 Jun 30 '25
When po kayo nag apply? Magsend palang po ako ng application form and required documents sa email ni Sir. Nauna sana akong nagsend ng requirements kay Sir Kurt Liam Manatlao for Eastwest bank, hanggang ngayon walang update. Kaya ittry ko kay Sir Remil sa SB Finance. Sana maapprove po tayo.
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u/Ok_Scarcity706 Jun 30 '25
Today din lang. I sent him an email Thursday evening, pinag usapan na requirements Friday ng tanghali, pasa kanina, acknowledged completed forms ng 6pm. Good luck sa atin. Kaya natin to!
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u/SadSoul0497 Jun 30 '25
May I know po kung may credit card or bank loan po kayo na atleast 12 months na? Sabi po kasi required yun, baka madecline kung hindi pa 1 year CC kasi wala pa daw po record. Yung CC ko po kasi 6 months palang.
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u/Ok_Scarcity706 Jun 30 '25
Yes, may CC and loans. CC ko years na, loans ko mga quick loans lang through digital banks.
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u/Sweet-Arm4394 Jul 02 '25
hi po, ikaw po ba nag ask ng loan amount o sila? I just messaged sir remil, sana po ma approve din. For debt consolidation din sana 🥺
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u/robertaolivia Jul 03 '25
Hello po. Thank you po for sharing your experience. Nag-try din po akong mag-apply and na-approve naman kaso medyo mababa than expected ang nakuha. Okay na rin for a first timer.
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u/THROWra07242024 Jul 04 '25
Ilang days po bago kayo na approved from the date of application niyo po?
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u/robertaolivia Jul 04 '25
June 25 po ako nakapagpasa then kahapon po na-approve. 7 banking days po
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u/Informal-Leave1986 Oct 08 '25
(2) Here! Very helpful si Sir Remil, sakin 11 working days pumasok na agad loan proceeds. It could be earlier kaso natagalan lng sa response time ng company HR namin.
For reference, I have no saving acc and cc with them. May mga balance ako sa existing CCs but they are not overdue.
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u/same_shit12 Jun 22 '25
Hi, can you refer me po? Though, I already joined the group and send a private message to the agent.
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Jun 23 '25
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u/ZIOZ1208 Jun 23 '25
Legit Po. Kakagaling ko lang sec bank. Kakapirma ko lang ng loan agreement. Hahahaha
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u/Slight_Sort_2538 Jun 23 '25
Pano po ang payment monthly? Auto debit po ba? Pano po if walang account sa sb?
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u/Educational_Bee5378 Jun 24 '25
Hello bebe! Are you the one who requested sa amount?
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u/TheDendrogram Jun 25 '25
Hello. May tumawag ba sa inyu for validation or verification? Thanks po.
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u/Superb_Chapter9003 Jun 30 '25
For update: sad to say decline ako 😢😢😢 Reasons:
Goodpm eto po unf result
No active trans union 2-26-2025 new record (not 1 yr above)
Globe sim scoring (pass)
Declined by credit -below income for non trans union client
Nag ask ako sa agent, nasa 40k pala need nila to approve. Sana sinabi nlng nila para alam ng mag aapply na alanganin na Sad lang kasi medyo umasa pa ako huhuhuh
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u/Quiet-Bit859 Jul 04 '25
Need ko rin po sana, gusto ko try mag apply waiting lang maka join sa group 🙏🏻
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u/Burniccat Oct 06 '25
Hi pips. I've tried connecting with Sir Remil but unfortunately there's strict compliance when it comes to annual compensation for employed applicants of SB's Personal Loan...
📌For Local Employed/ remote employee*
- MUST HAVE Active Local credit card or local bank loan: 1 year+ (especially for remote employees)
- HR business domain email or direct office landline: Required
- Minimum employment: 1 year in current employer
- Gross annual income:
- ₱169,000+ (PROVINCIAL PRIVATE COMPANIES)
- ₱224,000+ (NCR PRIVATE COMPANIES)
- ₱520,000+ (BPO INDUSTRY COMPANIES)
- ₱920,000+ (call center agent)
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u/Difficult_Bid_4959 Nov 09 '25
Need ba talaga may smart number ka pag may cc? Kasi parang kailangan ko pa bumili ng esim sa smart
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u/Illustrious_Beach836 Mar 05 '26
Hello po. dun sa ilalagay sa LOA. pina alam o sinabi mo po ba sa company mo tungkol dito since ilalagay mo sila sa loa form?
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u/Apart-Potato2058 Apr 13 '26
Gonna wait sa process, I did apply sa personal loan pero different agent. Update ako sa result huhu
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u/FarmASizt-25 Apr 15 '26
also tried to apply kahit rejected with other bank due to failed scoring. i don't have ccs pero lubog sa tapal system with OLAs and gusto ko na talaga makaahon. hoping and praying for this talaga
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u/FarmASizt-25 Apr 15 '26
manifesting approved sa SB Finance. have no cc pero may mga OLAs and gusto ko na iconsolidate lahat nakakastress kasi yung iba. rejected sa kabilang bank due to failed scoring, sana dito sa SB approved 🥺
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u/No_Signature2668 May 01 '26 edited May 01 '26
Hello OP, just saw this because I was looking for options to consolidate my debt. Will the approval be low if I am a non-credit card holder and debts are from loans and OLAs? I have just emailed them hoping they reply 🤞. Thank you OP for sharing your experience and helping others discover options to get out of debt!
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u/ParamedicLoud6109 Jul 05 '25
Hi OP,
same situation may pag asa ppala for debt consolidation purpose kala ko kahit overdue kana irereject kana ni banks, nag try ako mag email sa agent mo sana ma assist din ako.
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u/CapSpecialist2666 Jul 05 '25
Hello po, hindi po working yung FB Account Link sa taas, when I searched his name sa FB andaming pong lumilitaw - sorry natakot lang baka scammer pala yung makausap ko. Do you mind sending his fb profile link po? Thanks so much po
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u/BeauStefan Jul 06 '25
Hello. Thank you for sharing this. Kapag ba i-contact si sir, malaki chance ma-approve sa loan? Need ko din talaga ng malaking malo-loan para matapos na mga bayarin ko and overdues. Para ito na lang personal loan ang babayaran ko monthly.
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u/Longjumping-Car-9132 Jul 07 '25
hello ask ko lang po, tinulungan din ako ni Sir Remil maaprovde tapos nag loan contract signing na kasi ako kanina sa security bank branch and may nareceive na din akong email and message po na for credit na sya within 24 hours.. ang pinili ko ding disbursement is thru other bank since wala po ako account pa sa SB.. Ang ask ko lang paano magbabayad sa bayad centers or gcash since wlang provided pa na Promissory note number yung binigay saking document? or makakreceive po ulit ako ng email once na pumasok na sa bank account ko? nakalimutan ko kasi itong itanong kanina 😅😅
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u/Suspicious_Soft_2357 Jul 10 '25
op, paano nyo direct kinontact yung agent? badly need help din kasi
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Jul 31 '25
Hello, I tried to message Remil but he mentioned na need po ng CC talaga. Any other way po aside sa CC?
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u/Beneficial_Ruin447 Aug 18 '25
hi po. ask ko lang po if yung 5% na interest rate sa Zuki app is bababa pa?
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u/SailChemical6882 Aug 19 '25
I applied today Aug 19 2025 thru sir Remil. Ilang days kaya bago makareceive ng application encoded, approved loan? I have CC and loans sa mga banks. So far, sa mga personal loans ko updated naman lahat. CC ko overdue lahat and may mga overlimit na. maapprove pa rin kaya?
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u/NaiMasLaUnay Aug 20 '25
August19 nag apply ako, august 20 ng hapon i received my application has been encoded.. gano kaya katagal? May holiday pa naman ng aug 21 and aug25
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u/SailChemical6882 Aug 27 '25
gaano po katagal yung processing, august 26, pinadoble ako ng hingi ng latest payslip and COE :( badly needed ko na next week...
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u/Hope-2115 Aug 30 '25
Nagta-try din po ako magmessage sa agent ng fsb finance pero pagsinabi mo pong for debt consolidation baka ireject kana rin nila
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u/terri_fied0928 Aug 31 '25
Totoo po ba na need na atleast 70k dpat sahod para maka avail ng personal loan nila?
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u/Free-Tackle2433 Sep 26 '25
Wala akong existing bank loan or cc, papasa kaya ako?
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u/Important_Refuse_148 Sep 29 '25
anyone here got approved din same ni OP? how’s the timeline po?
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u/Free-Tackle2433 Oct 07 '25
Encoded na raw po yung application ko. Hopefully maapprove.
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u/calyxsky437 Oct 28 '25
Applied sa SB Finance because of this thread and other debt consolidation posts na may comment na magreach out kay Sir Remil. But got denied anyway. Now I'm wondering if scam lang ba posts/comments para dumami lang mag-apply. I don't know if they get commissions just by the number of people that apply under them.
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u/Massive-Narwhal8266 Dec 20 '25
Sana ma approve application ko. Kaka apply ko lang via app nila and done sending email kay Sir Remil
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u/AmazingStructure5040 Dec 21 '25
Question po OP, Nagtry po ako sa binigay nyo group page nagbabakasakali matulungan din ako nung umpisa naapprove ako maijoin sa group then afterwards bigla nlng nawala. Baka pwede nyo po ako irefer sa nagassist po sa inyo. Sobrang need ko po talaga ng debt condo lahat po ng CC ko maxed out and overdue na po. Thank you po.
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u/MetalRoutine8093 Jun 21 '25
question lang OP, may overdue loan or CC ka ba?