u/StreetKick7777

**Need advice: Personal Loan for Debt Consolidation with Low TU Score / HH Risk Grade**

Hi everyone! 😊 Baka may makapag-share po ng experience or advice.

Currently looking po ako for a personal loan of around **₱200,000–₱250,000** for **debt consolidation**, para ma-consolidate ko sana yung existing financial obligations ko into one more manageable monthly payment.

Currently employed po ako and may stable income. However, my current **TransUnion Risk Grade is HH**, so medyo nahihirapan po ako ma-approve.

Nakapag-try na rin po ako sa **RCBC, CTBC Bank, and Security Bank Finance**, pero unfortunately na-decline po yung applications ko due to my credit score/risk grade.

For those who have been in a similar situation:

• May naka-experience na po ba dito na ma-approve for a **₱200K–₱250K personal loan despite having an HH/low TU risk grade**?

• Ano pong factors ang nakatulong sa approval?

• Mas okay po ba mag-apply through the bank directly or through an authorized bank sales agent?

• May mga banks po ba na known to consider applications based on income and overall profile kahit mababa ang TU score?

**Not looking for fixers or guaranteed approval.** I just want to learn from other people's experiences and hopefully find a legitimate option for debt consolidation.

Thank you po sa mga makakapag-share ng experience or advice! 🙏

Need advice: Personal Loan for Debt Consolidation with Low TU Score / HH Risk Grade

Hi everyone! 😊 Baka may makapag-share po ng experience or advice.

Currently looking po ako for a personal loan of around ₱200,000–₱250,000 for debt consolidation, para ma-consolidate ko sana yung existing financial obligations ko into one more manageable monthly payment.

Currently employed po ako and may stable income. However, my current TransUnion Risk Grade is HH, so medyo nahihirapan po ako ma-approve.

Nakapag-try na rin po ako sa RCBC, CTBC Bank, and Security Bank Finance, pero unfortunately na-decline po yung applications ko due to my credit score/risk grade.

For those who have been in a similar situation:

• May naka-experience na po ba dito na ma-approve for a ₱200K–₱250K personal loan despite having an HH/low TU risk grade?

• Ano pong factors ang nakatulong sa approval?

• Mas okay po ba mag-apply through the bank directly or through an authorized bank sales agent?

• May mga banks po ba na known to consider applications based on income and overall profile kahit mababa ang TU score?

Not looking for fixers or guaranteed approval. I just want to learn from other people's experiences and hopefully find a legitimate option for debt consolidation.

Thank you po sa mga makakapag-share ng experience or advice! 🙏

Looking for Bank Sales Agent – Personal Loan ₱200K–₱250K

Hi everyone! 😊 Naghahanap po ako ng legitimate bank sales agent/loan officer na currently nag-aassist ng personal loan applications dito sa Philippines.

Ang target loan amount ko po ay around ₱200,000–₱250,000, at ang purpose po ng loan ay debt consolidation para ma-consolidate ko ang existing financial obligations ko into one manageable monthly payment.

Currently employed po ako at may stable income.

For transparency, mababa po ang current TransUnion credit score ko at Risk Grade HH. Nakapag-try na rin po ako mag-apply sa RCBC, CTBC Bank, at Security Bank Finance, pero unfortunately, na-decline po ang applications ko dahil sa low credit score/risk grade.

Baka po may bank sales agent or loan officer na open pa ring mag-assess ng application kahit HH ang TU Risk Grade, depende sa income, employment status, existing obligations, at iba pang eligibility requirements ng bank.

If may legitimate bank agent po dito, baka puwedeng mag-comment or mag-DM.

**Please no fixers, guaranteed approval, or agents na humihingi ng upfront payment.** Gusto ko lang po dumaan sa legitimate application process directly with the bank.

Thank you so much po! 🙏