Loan app harassment is a growing concern for many Filipinos, causing significant stress and anxiety. If you’re facing harassment from loan apps, here’s a comprehensive guide to help you navigate the situation and protect yourself effectively:
Top 10 Fast Online Loans in Philippines – A Valid ID is All You Need Updated in December 2024
| Rank | Lender Name & Application Link | Loan Amount | Loan Term | Interest Rate | Repayment | ID Required | Age Range | Special Feature |
|---|---|---|---|---|---|---|---|---|
| #1 |
SOSCREDIT |
₱1,000 – ₱25,000 | 3 – 12 months | 0% for first loan | Monthly or End of term | Only ID Card required | 20 – 70 | Receive money in 15 mins |
| #2 |
CREDIFY |
₱1,000 – ₱25,000 | 3 – 12 months | 0% for first loan | Monthly or End of term | Only National ID required | 20 – 70 | Receive money in 15 mins |
| #3 |
CREZU |
₱1,000 – ₱25,000 | 2 – 4 months | 0% for first loan | Monthly or End of term | Only ID Card required | 18 – 70 | Easy loan approval |
| #4 |
FINBRO |
₱1,000 – ₱50,000 | 1 – 12 months | 0% for first loan | Monthly or End of term | Only ID Card required | 20 – 65 | Receive money in 10 mins |
| #5 | CREDITIFY Apply Now |
₱1,000 – ₱25,000 | 1 – 180 days | 0.1% | Monthly or End of term | Only ID Card required | All accepted | Approve Bad credit |
| #6 | CASHSPACE Apply Now |
₱1,000 – ₱25,000 | 2 – 4 months | 0% for first loan | Monthly or End of term | Only ID Card required | 18 – 70 | Easy loan approval |
| #7 | DIGIDO Apply Now |
₱1,000 – ₱25,000 | 3 – 6 months | 0% for 7 days | Monthly or End of term | Only ID Card required | 21 – 70 | Receive money in 4 mins |
| #8 | KVIKU Apply Now |
₱500 – ₱25,000 | 60 – 180 days | 1.2% per month | Monthly or End of term | Only ID Card required | 18 – 65 | Receive money in 5 mins |
| #9 | CASHEXPRESS Apply Now |
₱1,000 – ₱20,000 | 7 – 30 days | 0% for first loan | End of term | Only ID Card required | 21 – 70 | Receive money in 5 mins |
| #10 | MONEYCAT Apply Now |
₱500 – ₱20,000 | 7 – 180 days | 0% for first loan | End of term | Only ID Card required | 22 – 65 | Easy loan approval |
1. Document Everything
Proper documentation is crucial in building a case against harassment. Here are the steps to ensure you have all the necessary evidence:
- Screenshots: Capture screenshots of all harassing messages, emails, social media posts, or any other forms of communication. This visual evidence can be very powerful.
- Call Logs: Keep detailed logs of every harassing phone call. Note the dates, times, duration, and the phone numbers used. This helps in establishing a pattern of harassment.
- Notes: Record any additional details that might be relevant. This includes the names of individuals involved, specific threats made, and any other pertinent information.
2. Stop Interacting and Secure Your Data
Protecting your data and cutting off communication with harassers is vital:
- Don’t Engage: Cease responding to any harassing messages or calls. Interaction can encourage further harassment.
- Don’t Pay: Avoid making payments under threats or pressure. Yielding to their demands may only reinforce their behavior.
- Change Passwords: Secure your social media accounts and email by changing passwords, especially if harassment involves these platforms.
- Warn Your Contacts: Inform friends and family on your contact list that they might be targeted by the loan app. This preemptive measure can help them be vigilant.
3. Report to Authorities
Reporting the harassment to the appropriate authorities can lead to legal actions against the harassers:
- National Privacy Commission (NPC): If the harassment involves threats, blackmail, misuse of private information, or the lender contacting your contacts, file a complaint with the NPC. You can visit their website or email them at info@privacy.gov.ph.
- Securities and Exchange Commission (SEC): For SEC-registered online lending companies engaging in harassment, report them on the SEC website or use their online complaint form.
- Bangko Sentral ng Pilipinas (BSP): If the harassment involves a bank or financial institution supervised by the BSP, file a complaint via the BSP website.
- Philippine National Police Anti-Cybercrime Group (PNP-ACG): Contact the PNP-ACG if the harassment includes severe threats or criminal activities. Visit their website or email pnp.acg@gmail.com.
4. Know Your Rights
Understanding your rights can empower you to stand up against harassment:
- Fair Debt Collection Practices Act: This act prohibits lenders from using threats, coercion, or abusive language. Familiarize yourself with its provisions to identify any violations.
- Data Privacy Act: Lenders cannot publicly disclose your debt or contact people outside your emergency contacts list. Knowing this can help you recognize and report privacy breaches.
By following these steps, you can take a stand against loan app harassment and protect yourself from further distress. Always remember, you have rights and resources at your disposal to fight back against unjust practices.