u/momo_liveshere

Honestly, I feel like I’m drowning. I’ve tried applying to different banks, but no one is willing to approve my application.

I also tried fintech lenders, but some of the payment terms are so difficult. Imagine having over 90 days to pay, but the first payment is already a huge amount. After that, the succeeding payments are less than ₱20, which doesn’t really make sense for someone already struggling.

What should I do? If anyone has recommendations share.

PS. I do have a full-time job, but my company doesn’t allow a second job, and violating that policy could cost me my employment.
I honestly willing to pay the loan if its was approved, my salary would be able to cover it only if the loan is enough to consolidate all my debts. At least no more finance charges, endless call for different fintech lenders

Honestly, I feel like I’m drowning. I’ve tried applying to different banks, but no one is willing to approve my application.

I also tried fintech lenders, but some of the payment terms are so difficult. Imagine having over 90 days to pay, but the first payment is already a huge amount. After that, the succeeding payments are less than ₱20, which doesn’t really make sense for someone already struggling.

What should I do? If anyone has recommendations share.

PS. I do have a full-time job, but my company doesn’t allow a second job, and violating that policy could cost me my employment.