Comparison scenario

30-day loans: the repayment date matters as much as the rate

Annualized costs can be enormous; check the exact disbursement and total repayment.

Checklist before applying

Align the due date with confirmed income.
Do not treat the maximum available as your budget.
Compare the cost in pesos and the CAT.
Review late charges, collection practices, and early repayment.

Compare using your own numbers

Do not use an installment shown in an ad. Enter the rate and fee from the offer you received, then review the schedule.

Then check the entity

The legal entity in the contract should match official records and channels. If someone requests an advance payment or asks you to install an APK, stop the process.

Check warning signs