terms & conditions

- GCash transactions only!
- I HAVE THE RIGHT TO REFUSE if your account is suspicious or on the blocklist of other lenders.
- I will not accept “allowance”, “pay bills”, “extra money” as reason for borrowing and source of income. MUST BE SPECIFIC.
- I will not entertain rude, inactive, or new accounts with no proofs of previous transactions with other lenders.
- I will not transact with private accounts.
- NO RUSH AND SPAMMING!
- Rates are NON-NEGOTIABLE. Even if you pay early, the rates are still the same.
- No additional loan request unless the ongoing balance is settled.
- I will only allow 3 days of late payment or I will expose you as a scammer.
- I am not responsible if you got scammed, IT IS YOUR RESPONSIBILITY TO PAY WHAT YOU BORROWED.
- Feedback is a must. No feedback, no renew.
- Renew after 24 hours.
- ONLY BORROW WHAT YOU CAN AFFORD TO PAY!
- Failure to pay on the given dop = you give me the right to post your personal infos.

requirements

- Valid ID (picture must be clear).
- Handwritten note (your username, my username, date, and time).
- Selfie with valid ID and note.
- Full name.
- Age.
- Phone number.
- GCash must be verified. (must be the same name as your ID).
- Facebook and Instagram link (must be personal, active, and public).
- 1 contact person. (name, relationship, number, and fb). Must be a relative.
- Proofs of other transactions. (not cropped).
- Proof of income.
- Specific reason for borrowing.
- For minors (NO 13 BELOW !) and first time borrowers: 2 more contact person and their valid IDs.
- For repeat clients: latest selfie & note + a posted feedback.

service rates

new clients (1-3 transactions)
₱1,000 max 12% per day (3 days max)
old clients (4+ transactions)
₱2,000 max 10% per day (1 week max)
trusted clients (8+ transactions)
₱3,000 max 8% per day (2 weeks max)late fee: ₱30 per hour
extension fee for old clients: 10% per day (1 day extension only)
extension fee for trusted clients: 8% per day (3 days extension max)