Personal Loan

[mommy_lani]

^^ 2weeks? hmmmmpppp mag 3 weeks na yung aplication ko but still on process parin daw nung nagfollow-up ako

[australis]

For those who have tried BDO personal loan gano po katagal inabot ng processing? Pano nila kayo ininform kung approved or declined? tia!

[April30]

i don't have sis, kasi before I had one, pero it was from my ex-hubby, im not really into getting CC, so kelangan ko muna bang kumuha ng CC, siguru plus points yun for the loan approval noh?  Kaso what other banks na pweding kahit walang CC?

Sis, try mo apply sa sterling bank, yung officemate ko nag-apply ng loan dun, approved sya kahit wala sya cc.

[mommy_lani]

^^ yes sis, try nyo sterling bank
meron kasi silang loans just for womens... yung tinatawag nilang womens loans

[oyie]

first time ko din magloan sa banks, and unfortunately lahat ng banks na inapplyan ko declined. nakakafrustrate lang, kelangan ko pa naman ng money. naiiyak na ko, hindi ko na rin alam san tatakbo for financial assistance. 

[heaven_charm]

declined din ako sa BPI last December. 40k lang naman yung loan ko. baka kasi wala ako credit card. tinatamad naman kasi ako mag-credit card. I think I'll get a citibank cc this year na para di ako mahirapan next time

[oyie]

@meimei, sis, wala naman akong alam na bad record. first time ko lang din magloan sa banks. nag-acquire din lang ako ng CC by securing a TD, pero wala pa din 1yr yun card and 12k lang ang limit. 7 years kasi akong contractual employee, ngayon pa lang ako nagparegular for 1year and 5 months pa lang. palipat-lipat lang din kami ng bahay kasi nagrerent lang kami, kaya usually kung san malapit un work ko dun kami. nasa 800k ang annual gross ko. pero sabi ng husbank ko baka dahil nga daw sa tenure sa work, no permanent address at walang credit history kaya ako nadecline. are there any chance maapprove ako somewhere?!

[RuChe]

Parang easiest way ata is through credit card. Pag me cc kase parang madali na magloan since meron nang mga cash-to-go where you can borrow the money equivalent to your credit limit and do monthly payments through your cc bill. 
A couple of months ago, I received cc from eastwest bank. Then after a month, I received a manager's cheque from them with a letter saying that if I deposit the manager's check within 2 months, the monthly payment for that will be billed on my cc. After 2 months, ica-cancel na nila yung check so di ko namagagamit. Anyways, medyo malaki yung amount kaya tinago ko lang muna just in case bigla kong kailanganin. 

[klyielei]

sis, you can try ready credit from citibank. i applied this month sa kakulitan ng agent and in 3 days approved ako. payable in one yr. citibank cc holder ako at mas madali na. may free rudy project watch.

[oyie]

@meimei - yes sis, actually nag-inquire na ko sa bpi. secured cc lang kasi yun, i deposited 15k
kaya 12k lang ang limit. kaya binabaan ko lang para controlled lang paggamit ng mom ko. sa
april ko pa daw pwede irequest [textspeak!] limit increase at bibigay na rin daw nila yung hold out ko.
sana nga ok na yun.

@klyielei - try ko na rin. pero i doubt kung i-approve ako kasi nga most of the banks dinecline
na ko.

[erl]

first time ko din magloan sa banks, and unfortunately lahat ng banks na inapplyan ko declined. nakakafrustrate lang, kelangan ko pa naman ng money. naiiyak na ko, hindi ko na rin alam san tatakbo for financial assistance. 

sis need mo paba i will refer u to my friend agent patatawagan kita..do u have permanent job ba? ilang yrs kana dun? pls give me ur contacts.for sure approve agad.

[alexii]

sis need mo paba i will refer u to my friend agent patatawagan kita..do u have permanent job ba? ilang yrs kana dun? pls give me ur contacts.for sure approve agad.

Hi sis,
Can you help me too? Gusto ko din magloan e. 2 years na ako sa work ko as a call center agent. Need ko din kc. 

[erl]

Hi sis,
Can you help me too? Gusto ko din magloan e. 2 years na ako sa work ko as a call center agent. Need ko din kc. 

basta regular lang kayo sa work nyo 2 yrs up pwede na.
Pls PM me your complete name contacts and company with adress..ty

[oyie]

sis @erl, pm you na sis. kaso 1yr and 6months pa lang ako sa work ko ngaun. pero 8 years na ko working, contract based nga lang, ngaun lang ako naregular.

[Len0523]

my personal loan in bpi got approved today, 2-weeks processing time   

Nag apply din ako wala akong account sa BPI. 1 week na still waiting for notification. =)
Thru text message ka ba nila advise?

[Len0523]

hay super sad lang, submit ako ng requirements and for BPI loan, pero nagtext yung representative nila, letting me know, declined daw yung process for loan ko, due to 'no past credit experience'

After 1 week ba sis? Yung text message?

[beforeiturn25]

sis need mo paba i will refer u to my friend agent patatawagan kita..do u have permanent job ba? ilang yrs kana dun? pls give me ur contacts.for sure approve agad.

Hi sis! anung bank agent yung friend mo? I want to apply for a loan din sana...

[xtindc]

wow good thing i found this thread. i also share the same problem regarding personal loans/cc. dati meron akong hsbc cc kaso since first cc ko yun masyado ako natuwa hehe at di ko namanage ng maayos. right now may tumatawag na saken na collection agency/law firm. what i want to do now is get a personal loan to consolidate my debts and rebuild my credit standing. like bayaran ko na everything para isa nalang ang payable ko each month. im trying to get a 100k na personal loan. manganganak din kasi ako sa june kaya apply ako kung saan saan ng loan. is it best to apply dun sa mga nakapost sa sulit or go directly sa mga bank mismo? 

[jmeangeL]

^---malamang ma-reject ka kung sa bank ka mag-loan since may bad history ka ng non-payment.  kung doon naman sa mga credit agents (not tied sa banks) tatagain ka for sure sa interest.

In my opinion, don't loan the entire 100K.  Iyon lang munang kaylangan mo para sa panganganak, kung wala kang naka-handang pera para dito.

Try to align your budget too.  Since uutang ka, ibig sabihin, madadagdag ito sa bayarin mo every month.  Kung walang budget na ilalaan pambayad sa uutangin, you'll dig yourself on loans even deeper.

Para naman dun sa natitira mong utang sa CC, try to talk with the company ang negotiate on the amount that you can pay.  Pwede naman kasing ipa-waive ang mga interest at penalty na nadagdag during the time na hindi mo na nabayaran.

Kahit gaano pa kaliit ang interest ng loan kung malaki naman ang principal, mabigat pa rin.

[kharenlouisse]

Hi mga sis, question lang

We are planning to get a personal loan, si hubby nalang kasi mas malaki ang income nya than me pero 5years ago meron siyang unpaid credit card bill hehe .

Makaka apapekto ba ito upon approval?

Thanks in advance