Borrower Help Center: What to Do Before, During, and After a Loan

Updated:
Contents

This is the practical starting point for borrowers. Pick the situation that matches yours, follow the short sequence, and open the detailed guide when you need the law, evidence list, or agency route behind it.

Before borrowing

Check whether the app is legitimateSearch the operator, match its Certificate of Authority (CA) number, read the cost, and review permissions. Check requirementsCompare age, ID, income, and payout gates across the tracked apps. Understand rates and feesConvert daily and monthly quotes into a yearly cost you can compare. Calculate the offerUse the amount you will actually receive and every fee shown in the disclosure.

When money is tight

I cannot repay on timePrioritize the next steps, contact the lender in writing, and avoid a debt spiral. Can the lender sue?Separate contract remedies from collector threats and unsupported claims. Late fees and limitsSee what the published contracts and regulatory caps actually say. Bridging to a payoutEstimate a safe ceiling before borrowing against a future 13th-month payment.

When collection crosses a line

Harassment playbookSecure your accounts, save evidence, and stop giving an abusive collector more access. My contacts were messagedDocument the contact-list abuse and protect the people who were contacted. File an NPC complaintPrepare the evidence file for personal-data misuse and collection abuse. Where to complainChoose the SEC, NPC, or PNP route based on the harm.

Verify and document

Keep the agreement, offer screen, payment receipts, lender messages, and a dated timeline. Use the SEC registry hub to verify the operator, and check the illegal-app tracker and delisted-company tracker when the name is unclear.

Sources and verification

The linked guides use SEC records, lender disclosures, Philippine lending law, and regulator complaint routes. They are practical information, not a substitute for legal advice in a disputed case.