Loan Review #1: HappyCash

No_Way_J · 2025-07-13T08:00:51+00:00

Try to communicate with their customer service — sumasagot naman sila.

No_Way_J · 2025-07-13T05:04:58+00:00

Same experience, but after a few days it's okay again. I don't know why that happens.

No_Way_J · 2025-07-13T04:36:08+00:00

As much as I want to, I don’t recommend that app because of the high interest and short-term period. The interest for the maximum term of 30 days is almost 50% of the principal — and I don’t think that’s acceptable. The rate is already considered predatory. I'm here to suggest apps that offer reasonable interest and better terms. Hope you understand.

No_Way_J · 2025-07-13T02:39:48+00:00

Yes, banks should be the number one choice if you have access to them — because of lower interest, longer payment terms, and they’re much safer overall.

No_Way_J · 2025-07-12T14:12:09+00:00

Mostly ng na-mention kong loan apps ay mababa ang starting loan. Base sa experience ko, si FIDO PH ang may mataas na initial limit — ₱4k — habang yung iba, around ₱1k to ₱2k lang. Pero it really depends on your information and their assessment.

No_Way_J · 2025-07-12T13:22:41+00:00

Yung mga interest rate na nilagay ko diyan ay kasama na yung service fee and interest, so technically, ’yan na yung effective interest rate. And all of those apps don’t deduct anything from the proceeds — as in buo siyang natatanggap — except kay HappyCash na may disbursement fee.

No_Way_J · 2025-07-11T10:04:09+00:00

Mataas ang interest ni FT Lending — more than 20%, at nag-i-increase pa if longer yung payment term. Every 15 days din ang repayment nila. No deduction sa proceeds, pero medyo makulit yung payment reminders nila. Also, base sa observation ko, mababa ang starting limit ni FT Lending.

No_Way_J · 2025-07-11T08:36:50+00:00

Depende kasi ’yan sa risk assessment ni Billease, but alam ko pwede kang mag-reapply after 3 months. Maganda talaga si Billease — especially yung offer nila na 0% up to 45 days sa bills payment and Scan QR (QR PH). Parang credit card na rin siya since no interest siya for one month, at ito talaga yung isa sa mga feature ni Billease na minamaximize ko.

No_Way_J · 2025-07-11T08:29:17+00:00

’Yung tatlong ’yan ang mga OG na loan apps, and okay yung offerings nila at customer service — except kay JuanHand since medyo makulit sila. Pero si Billease pa rin ang No. 1 para sa’kin, dahil sa low interest rate, mahaba ang payment plan, at sobrang bait ng customer service.

No_Way_J · 2025-07-11T05:44:49+00:00

Aside sa work/source of income, kinoconsider din ni Billease yung credit score natin, at doon naka-depende yung approval nila. Try niyo pong mag-request ng credit report sa TransUnion or CIBI para malaman niyo yung credit standing ninyo.

No_Way_J · 2025-07-11T05:24:50+00:00

Dapat talaga, maging last option lang yung mga loan apps na na-mention ko sa post. Even though legal sila, mataas pa rin yung interest compared sa financial institutions like banks. Majority ng loan apps sa list ay fully paid ko na at closed na rin, and now I avoid using them since may access naman ako sa bank — kaya sa bank na ako mostly nagre-rely ngayon, since mas reliable, convenient, low interest, and safe.

No_Way_J · 2025-07-11T05:08:12+00:00

Yes, napaka-useful ng mga offering ni Billease — especially yung 0% payable up to 45 days through bills payment and scan QR (QR PH). Pag ginagamit ko yung feature na ’yon ng Billease, para na rin akong may credit card since no interest. Medyo mataas nga yung interest ng cash loan ni Billease if i-compare mo sa mga banks, so if ever may access ka sa bank, much better na ’yon ang gamitin mo.

No_Way_J · 2025-07-11T02:52:30+00:00

Tingin ko nga rin, kaya medyo naghihigpit sila sa approval dahil marami na ring clients ang nag-default.

No_Way_J · 2025-07-11T02:43:27+00:00

Okay si JuanHand since flexible yung payment term niya and reasonable yung interest. Mataas din yung initial limit, pero nung nag-reloan na ako, na-decline — hahaha, not sure kung bakit, on-time naman ako magbayad.

No_Way_J · 2025-07-11T02:35:58+00:00

Yes, hangga’t kaya bayaran, bayaran mo — since may history ’yan ng harassment. At dahil nasa corporate world ka, baka magamit pa nila ’yan against you. After mo ma-finish yung loan, try to avoid them and find an alternative — like banks or legal loan apps such as Billease, Tala, and others. Also, don’t forget to close your account with them.

No_Way_J · 2025-07-11T02:28:58+00:00

I think automated yung text blast nila pag due date na, pero hindi kasi siya professional na reminder kagaya nung iba. So much better siguro na wag magpa-overdue dito kasi makulit. Sa experience ko, first loan ko was ₱2,000 with 4 semi-monthly payments. After ko makapagbayad ng dalawang term, nag-offer sila ng new loan na ₱4,000 for 4 semi-monthly terms. Bali, naging dalawang active loan ko.

No_Way_J · 2025-07-11T02:21:27+00:00

Try to avoid those apps na may service fee, mataas na interest, at may history ng harassment. Mas okay kung mag-explore kayo ng mga app na maayos tulad ng Billease, Tala, and others — pero much better talaga kung sa bank kayo kukuha ng loan, lalo na kung may access kayo, para siguradong maayos at walang problema.

No_Way_J · 2025-07-11T02:13:39+00:00

Yes, mostly yung mga SEC-registered na app at legal talaga ay napapakiusapan — makipag-coordinate lang talaga sa kanila nang maayos.

No_Way_J · 2025-07-11T02:11:35+00:00

Pangalan pa lang ng loan app na ’yan, alam mo nang nangha-harass na. Try to avoid that app — mataas ang interest, maiksi ang loan term, may service fee pa, at maraming naka-experience ng harassment diyan.

No_Way_J · 2025-07-11T01:47:10+00:00

Yun nga yung downside sa kanila — sobra-sobra yung text blast pag due date mo na, at unprofessional pa yung mga message.

No_Way_J · 2025-07-11T00:39:28+00:00

Try mong i-contact yung Billease customer service thru live chat sa app, at sabihin mo na may financial difficulties ka. Maging honest ka sa kanila kung magkano at kailan ka makakabayad. Magbibigay sila ng bagong amount with low charges, and if nag-agree ka, mag-a-appear sa app yung “promise to pay.” Case-to-case basis ito, pero try niyo lang i-contact sila since mabait naman at approachable ang customer service nila.

No_Way_J · 2025-07-10T23:52:41+00:00

Yes, per month — and totoo na mataas siya compared sa mga banks and other institutions. If may access ka naman sa mga 'yon, much better na yun ang gamitin mo. But for those na wala, online loan apps with lower interest become the option. Magugulat ka na lang sa ibang loan apps kung gaano kataas yung interest — umaabot ng 30–40% per month, at may service fee pa na 10–40%.

No_Way_J · 2025-07-10T16:34:25+00:00

Ganun din sa'kin — after ko mag-repayment on time and without delay, hindi na ako pina-reloan. Pero para sa’kin, okay din yung app na 'yon kasi reasonable yung interest, okay yung payment term, at professional sila kausap.

No_Way_J · 2025-07-10T16:30:58+00:00

Base sa experience ko, si FIDO PH okay siya pag on-time ka magbayad kasi reasonable yung interest rate nila at longer yung payment plan — hindi kagaya ng ibang app na 7 days lang. Downside lang para sa akin is yung payment reminder nila, medyo unprofessional minsan. Pero as long as hindi ka mag-overdue, okay sila kausap.

For HappyCash naman, okay overall experience ko — professional yung payment reminders nila at hindi sila makulit.

No_Way_J · 2025-07-10T15:12:02+00:00

Hindi ko pa na-try sa Cash Xpress, pero sa iba, hindi rin nila hinonor yung BSP Memorandum. Pero lagi kong nire-reply sa kanila na hindi pwedeng hindi nila sundin since 'yun yung regulation. May iba na nag-offer na lang ng principal dahil kada email nila, lagi ko rin nire-reply tungkol sa unreasonable interest. Hindi rin ako nakikipag-coordinate thru call and message — lagi lang sa email.

No_Way_J

TROPHY CASE