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Browse discussions, borrower experiences, and BorrowTalk guides.
- 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…
- 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…
- 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…
- JuanHandA JuanHand borrower reported a lower credit limit after a short overdue spell
In a JuanHand overdue thread, one borrower said their sister received a call during a short delay in payment. They described the delay as about one day in one sentence and perhaps …
- 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. When th…
- BilleaseAfter about a year overdue, a BillEase borrower says the balance was paid after a penalty waiver
A borrower said a BillEase account had been overdue for about a year before the balance was finally paid. In the Reddit post, the borrower listed ₱21,000 as principal, ₱14,000 as o…
- After loan-app harassment, a borrower reported complaints and gradual payoffs
A PH borrower described online loans spread across more than 20 loan apps by January 2026. Taking new loans to cover old ones had left her deeper in debt. She said harassing calls …
- A two-year plan for PHP1 million credit card debt was beyond this borrower's budget
A borrower said a failed laundry business had left around PHP1 million in principal on a Security Bank card. They were still paying other cards, but could no longer cover this card…
- Home CreditAfter 91 days overdue, a Home Credit borrower reported a twice-monthly payment arrangement without written terms
A Home Credit borrower said their account was terminated after 91 days overdue. Financial difficulty had kept them from paying the full overdue amount, although they had been makin…
- 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 th…
- 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 u…
- A borrower reported that one PHP390,000 credit-card debt was settled for PHP140,000, while two debts remained
A borrower said one credit card debt had grown to PHP390,000 after interest and penalties. The account had passed through three collection agencies. The last collection agency off…
- Billease +4 platformsA borrower reported that a debt consolidation loan covered only half the amount, but monthly payments became easier
A borrower was trying to manage more than PHP420,000 across several loans, installments and credit-card balances while earning about PHP70,000 a month. The list included balances w…
- 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, …
- Home CreditHome Credit showed PHP108,000 in the app, then quoted PHP56,387 for early repayment
A borrower said they took a PHP70,000 Home Credit cash loan with a 36-month term. After 12 months, the Home Credit app still showed PHP108,000 as outstanding. The borrower contact…
- MoneyCat settlement was one day late, and the account stayed active
A borrower using the MoneyCat loan app said a PHP18,340 settlement was due on June 5. The borrower paid PHP10,000 on June 2, then paid the remaining PHP8,340 on June 6. The public …
- Home CreditTwo cooling-off payments appeared as advances in the Home Credit app
A borrower was approved for a PHP60,000 Home Credit cash loan on June 4 and said a little over PHP59,000 reached the bank account after processing charges. On June 16, after decidi…