Let’s Talk About Money (The Real Talk Kind)
We’ve all been there — tuition bills due, a sudden hospital expense, or maybe a dream side hustle waiting to start… but the wallet says “Wait lang muna.”
That’s where personal loans come in.
The key is finding low-interest, flexible, and legit options that help you — not stress you out. Here are some tried-and-tested choices for Filipino moms who want to make smart money moves. 💸
1. Tonik Bank Personal Loan
- Interest: ~2.49% per month
- Loan Amount: ₱5,000 – ₱250,000
- Perks: 100% online, fast approval, no collateral
Perfect for emergencies or quick cash needs without the long bank lines.
2. Maya (Formerly PayMaya) Credit
- Interest: Around 3.5% monthly
- Limit: ₱15,000 – ₱30,000 credit line
- Perks: Great for groceries, bills, or Lazada checkouts 😅
Good for moms who prefer small, short-term loans they can repay quickly.
3. BPI or Security Bank Personal Loans
- Interest: As low as 1.2% per month
- Loan Amount: ₱20,000 – ₱2M
- Perks: Trusted banks, longer payment terms (up to 3 years)
These are ideal for bigger goals like tuition, house repair, or business capital.
4. GLoan via GCash
- Interest: 1.59% – 6.57% monthly
- Loan Amount: ₱1,000 – ₱125,000
- Perks: Fast approval and automatic deductions from GCash wallet
Very convenient, but always pay on time to keep your credit score clean.
5. SSS Salary Loan (for Employed Moms)
- Interest: Only 10% per year
- Loan Amount: Up to 2x your monthly salary credit
- Perks: One of the most affordable and reliable options, especially if you’re employed and actively contributing.
Tips to Borrow Smart
- Borrow only what you can pay back.
- Compare before you apply. Sites like Moneymax or GoBear can help.
- Avoid multiple loans at once. Focus on one until it’s done.
- Use loans for needs, not wants. Think: tuition, business, or emergencies — not new bags! 😅
Mommy Peach Note
Loans aren’t bad — uncontrolled debt is.
When used wisely, a loan can help you bridge the gap between dreams and reality — whether it’s starting a business, covering tuition, or handling surprise expenses.
So go ahead, momma. Research, plan, and take charge of your finances — one smart decision at a time. 💪
