How to apply PL for debt consolidation with bad cs
Hello!
I've been struggling to settle my existing loans and build a healthy credit score dahil hindi na ako makaloan sa any bank. I have existing loans sa BPI, Digi banks and OLA na nagpatong patong na and sa ibang tao pa.
I've started paying off my existing debt since last year and paunti unti na syang nauubos, however, nagreresult pa rin ako sa tapal system just to pay it on their due date.
Breadwinner ako and nagpapa-aral ako ng college na kapatid ko kaya mas tumataas rin yung expenses ko kahit nasa position na ako where I can settle my debts.
Instead of tapal system, gusto ko sana magloan nalang ng malakihan to pay off all my debt and isa nalang yung babayaran ko which will be more convenient for me.
Do you know any banks or anyone who can help me apply for personal loan at least 1M to pay off my debts and payable for 36 mos to 60 mos?
Please don't judge me. Naging impulsive lang rin talaga ako during my early 20s and ayoko na tumawid ng 30s with bad credit score. Gusto ko na rin kasi magsettle at magkaroon ng family. Ayoko na may maipasa pang burden sa partner ko at sa magiging anak ko.
Thank you!