u/karma1118

Hello! Is it okay na i-OD muna yung atome ko since ayoko na po sana talaga mag tapal system just to pay it.

Aside from them spam calling you, do they call ur reference contact too? And totoo po ba na they also call other people from your contacts na di mo naman nilagay sa reference? How do I avoid that if it's possible?

Please ayoko na po magtapal system. I can pay for my other debts this month pero di talaga kaya sa atome. Rejected po ako sa ibang banks for personal loan, wala ring feedbacks from others.

I only have utang sa SpayLater and atome pero mejo malalaki the amount at hindi ko talaga kaya muna for now yung atome. I wanna stop tapal system pero takot ako sa harassment for me and my contacts kaya naiisip ko pa rin mangutang na naman to pay it off. Please badly need your advice po thanks

Hello! Pls which bank or apps po kaya ang makakaapprove ng amount na yan by the end of the month - first week of July? I really wanna pay all my loans na from SpayLater, Maya, and Atome para iisang bayaran nalang po ako. Ang hirap na po kasi ng iba-iba pa yung binabayaran ko monthly. Please. I badly need your help/advice na po. I have tried with Maya Loan pero hindi ako eligible, so that's a no na kahit na I've been using them for years + been a good payer. Currently looking into ACOM, but I' seeing a lot of negative reviews.

I am already rejected sa SB Finance and Unionbank, CTBC not replying na so I guess rejected na rin. BPI wala pa ring update until now more than 2 weeks na. Please I really need your help po.

Right now I am okay with the interests, as long as iisa nalang talaga binabayaran ko. Please. I am okay with 24-36 months. After using the funds to pay for my loans, I plan on uninstalling all the apps and only use whatever cash I have moving forward. SO PLEASE I really need your advice which bank pa or app can loan me the amount.

Hi! I need to earn at least 8k-10k by the end of the month to pay for my hospital bills that's why I'm selling my clothes.

If any one of you is interested in y2k style (tank tops, low waist jeans, mini skirts) PLS PLS message me!!!

I will also be putting here my carousell account where you can check it and I'll be posting more of my things also this week.

PLS PLS PLS I badly need your help :(

Hi! Has anyone tried going sa Makati Social Hygiene Clinic for consultation and testing? Marami po bang tao nang ganitong oras? And gano katagal po usually consult and test? Thank you po!

Hello! I am struggling right now thinking of how to pay for my dues by the end of the month.

For this month I have:

MayaCredit: 16k — can pay this with my salary
Spaylater: 13k — half kami ng sister ko kasi she checked out something using my account. I plan on using yung sa MayaCredit ko to pay for my share.
Atome: 7k
SLoan: 500

Thing is, I want to uninstall na sana Maya para hindi na ako makapag-utang pa ulit para at least may mabawasan na sa cycle ko. But then again, how will I be able to pay for my Spaylater if I do that?

Can I OD Atome? I heard they contact other people na hindi mo naman nilagay sa reference mo. Please I really need your advice. I cannot ask for my ate to pay for my share naman sa Spaylater for the mean time kasi she's also paying her own bills na.

I have tried applying for Personal Loans pero rejected on most banks. Please I am really anxious now. Ayokong malaman to ng ibang tao. I used the money for my hospital bills and my dog's. I also have been selling my clothes pero malabong makakuha ako 10k just from that by the end of the month.

Please I need your help or advice on how I should handle this. I feel so irresponsible.

Problem/Goal: In need of 10k by the end of the month

Context: I used up my funds last month due to my hospital bills/medications as well as my dog's and for this month, I have a due ng 10k by the end of it. I can pay for my other bills but kulang talaga ako for this month because of the expenses last month. I don't wanna use the tapat system so I have been posting and selling my clothes.

The thing is, I don't think I can earn 10k just from it. So far I've only earned 1.5k from my clothes. I'm really trying to get the 10k by the end of the month pero parang super labo niya for me.

If anyone here is interested in miniskirts, tank tops, low waist pants (basically 2000s vibe)c maybe you can DM me here to check some of my clothes.

I also have some BTS album/photocards if anyone here is a fan.

I don't want to do the tapal system please. Or if you guys know any side hustle that can help me earn that amount by the end of the month to the first week of July, that would be great.

Pls and thank you!

Previous Attempts: Tried selling sa carousell and FB marketplace but I tend to get lowballed and marami lang nagla-like but not really interested enough to buy :(

need advise

hi i currently have utang from the following:

maya: 16k - i plan on paying it full by due date and uninstall it na and never use it again

spaylater: 13k for this due

atome credit: 14k for this month

atome cash: 4k monthly

around 140k in total lahat from these apps.

i don't think i'll be able to pag for atome credit and spay later and i plan on selling some of my things to pay off atome cash.

i need ur advise pls. is it ok to OD muna on atome credit and spaylater and pay the ones na i can pay palang like maya and atome cash? i'm also trying on applying for personal loan in diff banks pero wala pa akong nakukuhang update since i started applying lang last thursday. pls i need ur help. i'm afraid they'd do home visits and harass my reference (my ex and my sister).

which bank am i likely to get approved from personal loan bc i really just wanna pay one bank nalang instead of getting stressed like this. i plan on ending all my loans if i ever get approved for debt consolidation and start anew.

so pls. any help or advise will do.

for context: i used some of these for groceries since i live alone, medical bills for me and my dog.