Knowledgebase

Got questions about Loansolutions.ph? you're in the right place!

How do I get my money?

Get your loan proceed at the bank or your matched lender..
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I can’t provide payslips, is there another option?

If you have an ITR, we may be able to find you a partner that will accept and process your..
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I was approved for a loan before but cancelled my application, can I still get the loan?

First, we apologize if the cancellation is due to our service..
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Will the repayments increase during the term?

It depends on the approving bank if they offer you fix or flexible term..
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How do I repay the loan?

PDC or not , it actually depends on your ..
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Does an applicant need to be employed?

Not necessarily, as long as you have a stable source of income..
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How to apply for a loan?

We bring in a new way of borrowing money – easier, better and faster..
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How to apply for a personal loan?

Getting a personal loan is most advantageous when it’s mean..
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Who approves or denies the loan application?

Every financial institution, may it a bank or a private lending company..
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Why do banks don’t disclose the reason why they rejected my loan?

Unfortunately, most banks do not disclose the specfic reasons as to why an application..
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Should I borrow from a bank or private lending?

It depends on which has more weight to you. Is it low interest or less requirements?
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Are all borrowers charged the same rate for a particular loan?

No, although banks have their standard interest rates per loan product..
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How to calculate monthly amortization?

Monthly Amortization: (Approved Loan Amount / Number of months to pay) + (Approved Loan Amount * Interest Rate).
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Can I pay my loan in advance?

Any repayment agreement is between you and your approving bank..
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Can I pay my loan through salary deduction?

For now we don’t have bank partner that caters salary deduction as a way..
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Can a retired person stand as a guarantor?

Guarantors or co-makers must be as qualified as you..
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Can I skip one month payment?

That will depend on the bank or the lending company you will be matched..
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Can I take a joint personal loan?

Yes, but both applicants must reside at the same address..
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What can I use personal loan for?

Personal loans can be used for any purpose, such as wedding, major purchase..
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What should I do if I can’t make my repayments?

Negotiate with the bank for an extension. However, this may mean an..
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What if i can’t pay the amount loaned at the right time?

Most banks add interest to delayed payments to deter applicants..
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What if I don’t have a post dated check?

Most banks and private lenders require borrowers to pay..
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I don’t have proof of billing, what can I do about that?

If you don’t have, you can have the proof of billing of the person..
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Is there an early payback penalty?

That will depend on the approving bank or loan provider..
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What if my electric or water bill is not under my name, can I use that as a proof of billing for the requirement?

Yes, you can use any utility bills to present as one of your requirements..
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What If I fail to pay my loan?

That will depend on the banker lending company you will be matched..
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How to get my loan approved?

Check out qualifications of the loan product you are applying..
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How much is the interest rate?

Interest rate depends also with your matched lender..
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How much is the monthly repayment?

Monthly Amortization..
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How to loan for a pag-ibig housing

It’s not easy to own a home. Unless you have huge savings amounting to millions..
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How to loan in a bank?

One of the quickest ways to address cash problems is bank loaning..
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How to loan on SSS?

What is SSS? It’s the Social Security System in the Philippines which is the Government’s..
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Just want to know your terms and conditions on car loans

As we partner different banks and lending company they have their standard..
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Do you lend to persons who are not considered needy?

We, at Loansolutions.ph, advocate right loans for the right reasons..
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What are the types of personal loans?

here are two types of personal loans:secured and unsecured..
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What are the possible reasons for my loan to be disapproved?

If you have any of the following, you may want to work on that, so you can be qualified..
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What is the interest rate?

We partner with several banks and lending companies in the Philippines..
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Will you be looking at my personal credit report?

Loansolutions do not do any official background checking or credit investigation..
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