Community
Browse discussions, borrower experiences, and BorrowTalk guides.
- Four Maya Loan Payments. Three Installments Marked Paid. Where Did the Fourth Go?
Four payments. Three installments marked paid. And a November bill that would not budge. That is what a Maya Personal Loan borrower described on r/MayaPh on 8 October 2026. Their …
- After a Year Overdue, a GLoan Borrower Reports a ₱15,000 Settlement and App Closure
A borrower who said their GLoan had been overdue since July 2025 reported finally seeing the loan closed in the app in October 2026. The post described more than a year of uncertai…
- PeraSure Says No Payslip. So What Counts as Stable Income?
PeraSure's October launch targets gig workers without payslips, but its own FAQ asks for stable monthly income. The personal loan disclosure—not the starting rate—determines actual…
- SEC Lists ‘Cash-Express Payday Loan’ Facebook Page in October Stop Order
The SEC's October 2026 index names a Cash-Express Payday Loan Facebook page in a stop-order entry. A separate report describes alleged brand impersonation; the licensed financing c…
- Maya borrower repaid ₱40,000, then saw a shorter 18-month loan offer
A Maya Personal Loan borrower asked r/MayaPh on 8 October 2026 whether rejecting a new offer might mean never receiving another. They said their 2024 ₱40,000 loan had a 24-month te…
- Near ₱400,000 in debt, a first overdue month brings home-visit fears
A borrower posting in r/utangPH on 8 October 2026 described almost ₱400,000 in obligations across credit cards and digital credit products, including BillEase, SLoan, SPayLater and…
- GLoan: Final Payment Pending, ₱200 Still Taken
A GLoan borrower says they sent their final installment, but the wallet was still debited ₱200 on the due date. What can the payment and refund rules actually establish?
- A Debt Collector Says They Work for Your Loan App. How Can You Check?
An unfamiliar agency says it collects for your loan app. Verify the lender, collector identity, account balance and payment route before relying on a message.
- SEC Wants to Accredit Third-Party Debt Collectors. What Would Change for Philippine Borrowers?
The SEC has proposed accrediting third-party debt collectors hired by Philippine lenders. What the September 2026 draft says, what is not yet law, and which borrower protections al…
- Payment sent is not the same as loan settled: 4 checkpoints to verify
A receipt proves a payment action, but it may not yet prove posting, a changed balance, or account closure. Four checkpoints help separate a sent payment from a fully settled loan.
- Paying early can mean four different things in PH credit apps
“Pay early” can mean a recomputed payoff, a later interest cashback, lower daily charges, or simply clearing a future bill. BorrowTalk compares the mechanisms behind Home Credit, G…
- Home Credit early repayment: what changes before you pay
An extra payment does not automatically trigger Home Credit's early-repayment process. Current live Home Credit pages describe specific Full and Partial Early Repayment steps; a Ja…
- A SkyroCredit user reported a ₱700+ charge after paying early
A January 2026 reviewer said a SkyroCredit purchase was paid before the deadline, but more than ₱700 appeared later. Skyro's reply pointed to unpaid balances and a second statement…
- SEC ordered Bridge Cash to stop; that did not publish each borrower’s account outcome
A June 2026 SEC order changed Bridge Cash’s public operating status. The public record described borrower complaints and regulatory findings, but it did not publish each borrower’s…
- A complaint is not an FOI request: where PH online-loan issues actually go
Public 2026 records show borrowers reaching the right agency but using the wrong process. FOI is for access to government information; online-loan complaints may need SEC, NPC or c…
- A borrower reported leaving home after threats as her debts spread across 20 lending apps
A former business owner told GMA that financial trouble in 2023 led her to online loans. She had run canteens, a grocery and catering services. She described borrowing PHP30,000 b…
- A borrower said a paid Maya loan still showed unpaid while a new-account upgrade stalled
After a damaged SIM and a rejected upgrade application, a Maya user created a new account. In a September 2026 Trustpilot review, the user described trying to move the remaining ba…
- Flight refund appeared, but the first BNPL installment was still on the next statement
A PH cardholder bought a flight with an EastWest credit card and converted the purchase to buy-now-pay-later installments. After cancelling the flight, they said the airline refund…
- Paid a Maya Black mini-payment early, but the app and SOA did not agree
A PH cardholder converted a purchase into Maya Black mini-payments. They said their available credit fell from PHP10,000 to PHP3,000, and they paid what they understood to be the f…
- TendoA Tendo borrower reported full payment, a certificate, then account closure
Someone asking about an older TendoPay account wanted to know what would happen after paying it off. Another borrower replied with their own outcome: after settling their Tendo bal…