Community
Browse discussions, borrower experiences, and BorrowTalk guides.
- Paid GLoan on Time—Why Is There a Penalty?
You sent the payment before the deadline, but a penalty is still sitting in GLoan. Start with the transaction record: a receipt showing when you sent money and a loan screen…
By BorrowTalk
Recent comments · 0 - ₱38,000 Borrowed, ₱55,100 Due in 15 Days?
A borrower on r/utangPH said they borrowed ₱38,000 through an app called Vplus on 7 October, with ₱55,100 due on 22 October.…
By BorrowTalk
Recent comments · 0 - Paid a GLoan/GGives Settlement—Why Is There Still a Balance?
“Promotional full settlement” sounds like the end of an overdue loan. In an October 15 Reddit post, a borrower said they accepted an offer after about six months of missed GLoan…
By BorrowTalk
Recent comments · 0 - GLoanMy Partner Used My GCash for GLoan—Why Am I Getting the Calls?
Money came off a GCash balance after a cash-in. Then the overdue GLoan calls started. In an August public post, the account holder said their partner had borrowed through the…
By BorrowTalk
Recent comments · 0 - Finbro₱2,000 Finbro Re-loan, ₱4,011 Due—What Are the Charges?
A ₱2,000 Finbro re-loan. A ₱4,011 overdue balance. How did it get there? That's what a borrower was trying to sort out in a public request to the Credit Information Corporation…
By BorrowTalk
Recent comments · 0 - Paid GLoan, Why “No Guarantee”?
After roughly three years overdue, a GLoan borrower finally paid an agreed discounted amount. Payment was received, the person was told, but the case still had to go to an…
By BorrowTalk
Recent comments · 0 - ₱16,800 Received, ₱28,000 Due in 7 Days?
A borrower on r/utangPH said they opened Garden Credit just to check whether the app was legitimate and what limit it might offer.…
By BorrowTalk
Recent comments · 0 - Paid Early, Still Charged ₱76?
A GLoan/GGives user said they paid 12 days early through a Fuse bill-payment route after losing access to the phone number used for the account.…
By BorrowTalk
Recent comments · 0 - BDO Refunded ₱75K—Pay ₱400K or ₱475K?
A BDO cardholder says a refund of ₱75,000 for a cancelled purchase posted on October 4, five days before the payment due date.…
By BorrowTalk
Recent comments · 0 - ₱337K Debt, a “Court Order” at the Barangay?
The borrower acknowledges the credit-card debts. But the Reddit thread provides no copy or case number for the alleged “court order.…
By BorrowTalk
Recent comments · 0 - Collector Says ₱86K—But It's in My Aunt's Name?
Question from a public Reddit discussion (paraphrased): We got a gadget loan through Home Credit using my aunt's name back in 2024.…
By BorrowTalk
Recent comments · 0 - SPayLater Was Due. A Shopee Device Ban Left the Borrower Unable to Pay
An SPayLater borrower said their bill had been due since 15 October, but a device ban kept them from opening Shopee. By 17 October, they were still trying to work out how to pay…
By BorrowTalk
Recent comments · 0 - GCash Can Still Send Money. Why Did GLoan, GCredit and GGives Suddenly Go Dark?
The wallet still worked. The credit features did not. And after an identity-information update, one GCash user said seven days had come and gone without an explanation they could…
By BorrowTalk
Recent comments · 0 - 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.…
By BorrowTalk
Recent comments · 0 - 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…
By BorrowTalk
Recent comments · 0 - GLoanA GLoan borrower says the Certificate of Full Payment arrived 12 days after the support ticket
A borrower said their GLoan had previously been overdue but was later fully paid. After payoff, they opened a GCash Support ticket asking for a Certificate of Full Payment.…
By BorrowTalk
Recent comments · 0 - Home CreditA borrower reported Qwarta interest after paying, then said they closed the account
A borrower opened Home Credit Qwarta expecting that a charge paid within a month would carry no interest. That was how, they said, a representative had explained it.…
By BorrowTalk
Recent comments · 0 - Home CreditA borrower paid the Home Credit balance in the app after a family payment did not appear
A borrower found an old Home Credit account linked to their details after opening a new account. Relatives had used those details for a school-related purchase and, according to…
By BorrowTalk
Recent comments · 0 - Home CreditA family member reported 12 payments still remained after PHP116,000 was paid on a PHP70,000 Home Credit loan
A family member described a PHP70,000 Home Credit cash loan with a 42-month schedule at PHP3,885 a month. According to the post, 30 monthly payments had already been made, adding…
By BorrowTalk
Recent comments · 0 - Home CreditHome Credit debited PHP25,000 after account termination, then refunded it
A borrower said a Home Credit loan of about PHP150,000 had been opened in 2022. After three months without payment, the account was terminated and endorsed to a collection agency,…
By BorrowTalk
Recent comments · 0