How to calculate the total cost of a loan
Work out cash received, fees and total repayment in pesos. Use a clear example to compare loan costs before accepting an offer.
Read the guide ↗Usapang pera
Loan guides for the Philippines
The full collection of money guides. Find answers on fees, GCash and what to prepare before you borrow.
Already have an offer? Put the full cost in pesos.
Use the loan cost calculator →12 guides
Credit line vs installment loan: what changes after repayment?
Understand reusable credit limits, repayment schedules and principal restoration, with a peso example and questions to ask before reborrowing.
Read the guide ↗
Before you apply for a loan: a five-question checklist
Check the provider, cash received, repayment dates, permissions and support channels before submitting a loan application in the Philippines.
Read the guide ↗
GLoan not available? Understand GCash loan eligibility
Having GCash does not guarantee a GLoan offer. Learn where to check eligibility in the official app and what this information site cannot unlock.
Read the guide ↗
Online loan requirements in the Philippines: what to prepare
Prepare a provider-specific checklist for ID, account details and income evidence. Learn why a short document list is not guaranteed approval.
Read the guide ↗
Can you get a loan without a bank account in the Philippines?
Some providers support other receiving channels. Learn what to verify about wallet access, account ownership, fees and repayments before applying.
Read the guide ↗
Loan processing fees: why cash received can be lower
Understand deducted fees, separately paid charges and net proceeds. Compare a ₱5,000 example without counting the same fee twice.
Read the guide ↗
Flat vs reducing-balance interest: compare the calculation
See why the same stated rate can produce different peso costs, using a simple equal-principal example rather than a misleading rate conversion.
Read the guide ↗
Does a 0% interest loan still have fees?
Check a zero-interest offer for deductions, compulsory fees and payment conditions. A clear peso example shows why 0% may not mean zero cost.
Read the guide ↗
How to check a lending company in the Philippines
Match the legal company, authority details and official app or website. Learn why a registration screenshot is not enough to verify a lender.
Read the guide ↗
Loan app permissions: what to check before sharing data
Review camera, contacts and document requests, understand their stated purpose and find official Philippine privacy guidance before applying.
Read the guide ↗
GLoan vs GGives: cash borrowing or installment shopping?
Distinguish a GLoan cash offer from GGives installment purchases, then check eligibility, use restrictions and the actual payment schedule.
Read the guide ↗No guides match that search.
Try another phrase or remove the topic filter.