Common Personal Loan Application Questions You Need to Prepare for
- By Venus Zoleta
- August 7, 2019
A personal loan application is like any job application. As a prospective borrower, you do your best to prove you’re a worthy candidate for the lender’s money. The loan application form is your resume, and the requirements you submit are like your portfolio. And then there’s the dreaded interview portion. Are you ready for it? […]
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6 Tips to Get a Personal Loan for Freelancers in the Philippines
- By Venus Zoleta
- July 17, 2019
Being a freelancer in the Philippines has its downsides—one of them involves getting a loan for freelancers. Formal lending institutions in the Philippines like banks and government agencies are strict when it comes to loan approvals. They require borrowers to provide their payslips, income tax return (ITR), certificate of employment, and other financial documents to […]
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7 Reasons Your Personal Loan Application Got Rejected
- By Venus Zoleta
- July 3, 2019
Rejection of any kind is hard to accept—more so if it involves money. Case in point: getting your personal loan application denied. Your time and effort spent preparing your requirements and waiting anxiously for the loan approval all just went to waste. It makes you want to demand an explanation from the bank, lashing out […]
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What is the Best Type of Loan for My Business?
- By Venus Zoleta
- June 6, 2019
Finding good sources of funding is a critical step in starting a business. A business loan from the government, a bank, or a private lender is one financing option for budding small and medium business owners. Business loans come in a variety of types that suit different business requirements. Before you start searching for the […]
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Drowning in Debt? How to Eliminate the Common Types of Debt
- By Venus Zoleta
- April 25, 2019
One of the last things anyone would like to happen: having too much debt. But it does happen when debt is managed poorly. It’s bad for one’s mental health as it is to the wallet. And so, taking proactive steps to solve this financial difficulty is a lot better than wallowing in anxiety and worrying […]
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7 Reasons a Security Bank Personal Loan Makes a Practical Choice
- By Venus Zoleta
- March 18, 2019
Time and again, many Filipinos would prefer to borrow from informal moneylenders for their urgent financial needs. Some even turn to loan sharks like 5-6 lenders when they’re desperate for cash, not minding the risk of drowning themselves further in debt with the excessively high interest rates. Borrowing from banks and other formal lenders is […]
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5 OFW Loans in the Philippines for Every Kind of Need
- By Venus Zoleta
- March 4, 2019
Looking to increase your savings as an OFW by starting a small business? Want to build a home or buy a car for your family? Need to borrow money immediately for a medical emergency? No matter what your financial needs are, an OFW loan can help you achieve them. Let’s make choosing the best OFW loan in the […]
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Top 10 Reasons Why Filipinos Get a Personal Loan
- By Venus Zoleta
- January 23, 2019
Although hard work and financial discipline pay off eventually, the amount of time that we need to save money for a certain financial goal weighs us down. Just exactly when will you have the money to go on that much needed R&R, to buy her that diamond engagement ring, to enroll your child in school, […]
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Which Banks Offer the Best Car Loan Deals?
- By Venus Zoleta
- September 19, 2018
Shopping for the best car loan deals in the Philippines? There’s no single bank or auto loan that’s best for everybody. Auto loan providers in the Philippines offer different features and promos that cater to the needs and preferences of different car buyers. You have to consider the type of car you’re going to buy, […]
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How to Get a Citibank Personal Loan: A First-Timer’s Guide
- By Venus Zoleta
- September 10, 2018
Approval within 24 hours and flexible repayment terms of up to five years—these features make the Citibank personal loan attractive for those with urgent cash needs. Considering to apply for a Citibank loan? It’s simpler than you expect. Here’s a step-by-step guide to help you get started. Step 1: Check If You’re Qualified to Apply for […]
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Borrowing from a Private Lender? Consider the Pros and Cons First
- By Venus Zoleta
- August 9, 2018
Looking for private lenders for a personal loan in the Philippines? Before you borrow from a private lender, you have to know first what you’ll be getting into. Private lenders in the Philippines are non-banking companies or individual investors that provide short-term personal loans, mostly catering to OFWs, small business owners, and car buyers. Filipinos […]
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Bad Money Habits That Ruin Your Credit Score
- By Venus Zoleta
- August 8, 2018
A credit score may not be as widely talked about in the Philippines as in other countries, but its importance can’t be underestimated. Your credit score spells the difference between getting approved and declined for a credit card or loan. Unknown to many, there’s an established credit information system in the Philippines through Republic Act […]
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What Happens If You Stop Making Loan Payments?
- By Venus Zoleta
- July 11, 2018
Unexpected situations—like a job loss, medical emergency or death in the family, or calamity—can put even the most responsible borrowers in a tight spot, making it extremely hard to make loan payments on time. Is your loan in danger of going into default? Defaulting on a loan comes with serious financial consequences. Not to mention […]
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Emergency Loans and Other Ways to Borrow Money When You're Short of Cash
- By Venus Zoleta
- July 3, 2018
“Utang” is so strongly embedded in the Filipino culture that only two in every 10 adults in the country don’t borrow money, according to the Bangko Sentral ng Pilipinas (BSP) financial inclusion survey. Emergency loans and personal loans are just two of the many options when it comes to borrowing in the Philippines. Here are […]
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6 Terrible Reasons to Take a Personal Loan
- By Venus Zoleta
- May 7, 2018
Used for a variety of financial needs, a personal loan typically comes with a low interest rate. In fact, personal loan interest rates in the Philippines (ranging from 1.20% to 1.94%) are even lower than credit card rates (2.00% to 3.54%). This is why it can be tempting for some Filipinos to apply for a […]
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Salary Loans to Consider for Financial Emergencies
- By Venus Zoleta
- April 19, 2018
Salary loans with their quick application, guaranteed approval with no credit checking, and fast-track cash disbursement—can help cash-strapped Filipinos meet their urgent financial needs. More so when it’s Petsa de Peligro and there’s an emergency, like sudden hospitalization in the family or overdue bills. Also called payday loans or quick cash loans, these loans from […]
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6 Personal Loans with Low Interest Rates in the Philippines
- By Carlo Miguel Castañeda
- August 11, 2017
It’s beyond the middle of 2017. By now, people are looking into what their plans are for the holidays or even plans for 2018. Are you looking to fund a passion project? Maybe start a nest egg for the future? Whatever goals you might have that require funding, a personal loan might be able to […]
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Requirements You Need to Prepare to Secure a Personal Loan
- By Luis Tan
- July 17, 2017
A personal loan has higher interest rates than secured loans like a home-equity loan, but the advantage of it is you are not required to put up any collateral to ensure repayment. Collateral means something of value, like a home or car that the lender can repossess if you don’t repay the account as agreed. Personal […]
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5 Ways to Improve Your Personal Loan Application
- By Bea Bongat
- November 15, 2016
Have you met a fellow Filipino with zero debt? It’s highly unlikely. Whether it’s a mortgage or the tiniest unpaid credit card balance, only a rare few can say they are truly debt-free, and the numbers back this up. According to the 2012 Bangko Sentral ng Pilipinas (BSP) Consumer Finance Survey, only 4.6% of those […]
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PSBank Flexi Personal Loan Application
- By Moneymax
- February 4, 2015
Everyone has that something they want to make happen. Some things happen easier than others, but what about when you want to expand it a little more, to put a little more money into an endeavor you believe is worth the time and the finances you put into it? This is where a personal loan […]
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