u/CustardBeautiful2380

I’m genuinely looking for a loan and I’m willing to prove that I’m legitimate. But instead of helping, people keep taking advantage of my vulnerability.

Every time someone messages me, it always ends with:

* Asking for an upfront fee

* Requesting sexual favors in exchange for money

* Asking for nude photos as “collateral”

I’m starting to lose hope in this app. If you cannot genuinely offer help, please don’t message people just to waste their time or take advantage of their situation. Some people are already struggling deeply and may be close to giving up.

Hi, 24F I hope someone could really help me in my lowest point right now. I am very legit and a professional person. I can't function with my daily life thinking of threats and harassment from some Online Lending Apps. I want to repay them all right now and consolidate into one. I hope you will give me a chance to share my story and we can set our terms. Thank you.

Hi Guys, I'm looking for a private lender. I'm 24F from the Philippines. I'm also currently employed. DM me if you could lend me money and we will discuss matters/terms.

You can DM me and I can share my story with you why I needed this loan.

Note: Please do not DM if you will scam or ask nude photos. Thank you.

Hi ! I'm from the Philippines and someone I transacted with sent me money from Australia and he even sent me the screenshot containing that the status is "SUBMITTED".

I don't know about the international banks but I am curious if it is possible that the sender may cancel it? It says that the money will take 1-3 days as well.

Please help me, I'm overthinking. I can also send the screenshot he sent to me for your reference.

Thank you!

Hi everyone, It's my first time here. I’m looking for a legitimate private lender. I have previously borrowed from some online lending apps (OLAs), but I recently moved to a new place and started a new job, and I was unable to keep up with my payments.

I am now experiencing harassment and threats from collectors, and I am very concerned for my safety and well-being. My payments are currently due, and I am hoping to consolidate my debts into a single loan.

I tried applying for a personal loan at a bank, but their main requirement is that you must be at least 6 months tenured in your job. I’m starting to lose hope, and I want to try here instead.

I am requesting a repayment term of around 6 months since I am still new in my job. I earn around $730 per month, and I also need to cover essential expenses such as rent and bills.

Repayment: Total of $570

06 / 30 - $90

07 / 31 - $80

08 / 31 - $80

09 / 30 - $80

10 / 31 - $80

11 / 30 - $80

12 / 31 - $80

If you are able to help and understand my situation, I would greatly appreciate it. I am open to discussing further details and can also do a call if needed.

Thank you for your time and consideration.

Hi everyone, I’m looking for a legitimate private lender. I have previously borrowed from some online lending apps (OLAs), but I recently moved to a new place and started a new job, and I was unable to keep up with my payments.

I am now experiencing harassment and threats from collectors, and I am very concerned for my safety and well-being. My payments are currently due, and I am hoping to consolidate my debts into a single loan.

I tried applying for a personal loan at a bank, but their main requirement is that you must be at least 6 months tenured in your job. I’m starting to lose hope, and I want to try here instead.

I am requesting a repayment term of around 6 months since I am still new in my job. I earn around $730 per month, and I also need to cover essential expenses such as rent and bills.

If you are able to help and understand my situation, I would greatly appreciate it. I am open to discussing further details and can also do a call if needed.

Thank you for your time and consideration.

Hi guys, I’m 24 years old and currently struggling financially. For the past 2 months, wala talaga akong naiipon even though I’m earning 45k per month. I really want to make a change and start again.

I’ve been thinking about getting a loan for debt consolidation. I know some people will say na kaya naman i-full payment one time because of my salary, but honestly, it’s not that easy. I give my parents 10k every month, and I also have bills and rent to pay.

All of my loans are due this May 28, and I’m mentally exhausted trying to budget my salary and recompute everything over and over again.

I’m hoping someone here could help me with a loan that I can pay through monthly installments. I can provide proof such as payslips or any documents needed to show that I’m legitimate. I will help you believe I'm trustworthy and not fraud. We can also discuss and agree on the interest.

I can also start the 1st monthly pay this May 31 since I will have my earliest salary by that time.

Send me a DM!

Hi guys, I’m 24 years old and currently struggling financially. For the past 2 months, wala talaga akong naiipon even though I’m earning 45k per month. I really want to make a change and start again.

I’ve been thinking about getting a loan for debt consolidation. I know some people will say na kaya naman i-full payment one time because of my salary, but honestly, it’s not that easy. I give my parents 10k every month, and I also have bills and rent to pay.

All of my loans are due this May 28, and I’m mentally exhausted trying to budget my salary and recompute everything over and over again.

I’m hoping someone here could help me with a loan that I can pay through monthly installments. I can provide proof such as payslips or any documents needed to show that I’m legitimate. I will help you believe I'm trustworthy and not fraud. We can also discuss and agree on the interest.

I can also start the 1st monthly pay this May 31 since I will have my earliest salary by that time.

Send me a direct DM!

Hi, may loan officer po kaya na pwedeng mag-assist for SB Finance Personal Loan? Thank you

Hi Guys, sino pwede maka help assist sakin for Personal Bank loan?

- 2 mons tenure sa work

- Earning 45,000 gross monthly

PM po.

Hi, is there someone who can recommend me na maka assist for personal loan? Thank you.

1 Day OD ko na ngayon at nakapapanibago na hindi sila nag tetext saakin. Nakita ko rin na kasama sila sa UNRECORDED OLP ng SEC na posted on its Fb page. Ano kaya ang reason behind?

Hi Guys, if the SEC has posted the UNRECORDED LIST OF OLA, what will happen next? Is this just a warning or is this the beginning of the process of shutting them down?

Bagong tactics now ng OLA is ito:

“nasan na po bayad mo parang awa mo na mawawalan po ako ng trabaho. pare parehas lang po tayo may binubuhay sana po bayaran mo na utang mo please.”

“single mom po ako at breadwinner, san naintindihan nyo po ako na kailangan ko ng trabaho :(( paki settle na po ng utang nyo nagmamakaawa ako please obligasyon nyo po ito sana po gawan nyo paraan kahit extension pls po”

I give the benefit of the doubt na marami silang nag sesend ng message pero hindi lahat nanakot pero ganito.

Pero sa isip ko: sa dami ng trabahong marangal, bakit ito? I mean, ilan ba ang bayad sainyo? Kung totoo man na single mom ang agent na ito, di niya ba naisip na mas kawawa ang anak niya kung siya ay makulong pag nahuli?

If may agent na nagbabasa nito, gusto niyo magkapera pero piliin niyo ang marangal at legal na pamamaraan. Ayaw ko talaga sa sinasabihan ako ng isang sangkot sa ilegal na "pare parehas po tayo may binubuhay”

Ay wala po akong binubuhay, sarili ko lang po, pero lumalaban KAMI NG PATAS. Hindi po ako mahirap at hindi po ako naghihirap kabubuhay ng iba. Ang tanong, bakit kaya ako umutang? Kasi nagipit ako noon pero alam kong mababayaran ko ngunit scammer kayo. May pambayad ako pero gusto ko kayong matuto at mapanagot sa mga ginagawa niyo. Nakikipag areglo ako ng tama at may respeto, pero kayo ang hindi. Alam niyo yan.

Deadma na ako ngayon sa pananakot, sino ba ang maniniwala sa mga ito kung mapost man nila sa fb. Iyan na siguro ang worst na gagawin nila - ang ipost sa fb pero mali parin, pagnapost na ang tao mas lalong wag kayong umasa na babayad pa ito. Nagawa niyo na ang worst eh, worth it pa ba ito bayaran? para saan pa.

Nasa acceptance stage na ako, isa akong propesyonal na may pinag-aralan sa batas at confidentiality kaya kung mapost man ako, 'di ako takot, pero umasa kayong di ako titigil na hindi kayo mahuli at makukulong.

Babayaran pa kita pag nakulong ka na tapos bigay mo sa Boss mo, loyal kayo dun eh baka makatulong sa pyansa.

Hi, pano po yung minimum payment ni Finbro? Yung 7 days ba is after mo magloan? Pwede ka ba hindi magbayad after 7 days and opted for the 30 days minimum instead?

Hi guys,

A loan company emailed me this morning containing my ID and face recognition picture. I asked the agent who contacted me which loan company this was, and he confirmed the name of the OLA.

The loan is not yet due, but when I applied, the disbursement was not intentional because the money was automatically sent to my account. Out of the ₱15.5k loan amount, I only actually received ₱9,300. Right after the incident, I immediately contacted their support through the app and informed them that I was willing to return the amount I actually received. However, the agent refused to accept my request, leaving me with no proper resolution.

Because of that, I decided not to proceed with payment unless they agreed to settle fairly based on the actual amount received.

Now that they have reached out through email and confirmed that it was indeed their company, I have documented everything, including the threatening messages and harassment directed not only at me but also at my family and personal contacts.

I would like to ask for your advice on whether I should reply to them directly first, or if I should already include the relevant regulatory authorities in CC such as SEC, BSP, NBI, etc. If you think involving them is necessary, may I also ask for the proper email addresses?

I’m genuinely concerned for my safety, especially since I’m living alone here in Metro Manila. I also believe that the evidence and documentation I gathered may help is strong to expose and possibly stop these kinds of illegal practices.

Thank you.

Hi po, can anyone help me identify which of these are OLAs na legal and illegal?

FINBRO, Cashalo, FT Lending, PesoLoan, Cash Express, PesoWallet, Surity Cash, Smart EMI, CrediMint, HappyPera2, MegaCash, Light Kredit

Wala pa akong may Due Date dito sakanila but I've been receiving harassment and threats already. I won't deny it gives me anxiety right now and fear.

Magiging okay pa ba ako?

Hi, I've been receiving harassment texts (see snip in comment sec) kahit hindi pa naman ako due date. Ano maganda gawin dito? Wala naman akong balak takbuhan sila pero now I'm at work and nawawala talaga focus ko and starting to feel scared. Please help me 😭😭😣

Hi, I currently have a total debt of ₱45,000. I’m 24 years old, and I’m worried that if I’m unable to pay on time, the amount will continue to grow due to interest.

I’m considering applying for a bank loan to consolidate my debts and pay them off through manageable monthly installments.

I am currently earning 40K+ per month. However, when I reached out to a CBC loan agent, they were unable to assist me further because I am not yet a regular employee in my current job.

At the moment, I’ve been having difficulty sleeping because most of my loans are from OLA. I’m concerned about potential harassment, including possible contact with my family. That’s why I’m hoping to secure a legitimate bank loan to settle my debts.

I have been employed with my current company for 2 months, although this is already my second job.

I would really appreciate any guidance or recommendations on banks or lending options available for someone in my situation.

PLEASE I'M LEGIT