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The Guides

Every debt question, answered with real numbers. Not guesses.

14 guides built on real Philippine lender rates: snowball vs avalanche, every major lender converted to the same unit, what the law actually says about unpaid debt, and the card mechanics nobody explains plainly.

Start Free. See Your Plan →Every guide pairs with the app's actual engine. Free, no card required.
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Snowball vs avalanche
Which Debt Should You Pay Off First? Snowball vs Avalanche for Filipino Debts
Avalanche vs snowball explained with real Philippine lender rates, and why the method only works once every debt is visible in one place.
Read the guide →18 to 36 months
How to Become Debt-Free in the Philippines: A Realistic Timeline
What actually moves your debt-free date, month by month, and why the extra peso matters more than the method.
Read the guide →
Borrowing costs, compared
11 to 12 percent vs 4.15 percent
Tala vs GCash GCredit: Which Costs You More?
GCredit's published rate against Tala's own disclosed effective monthly rate, with a worked 10,000-peso example.
Read the guide →All four, same unit
Tala vs Home Credit vs BillEase vs Cashalo: The Full Lender Comparison
Every major Philippine lender converted to the same unit and ranked cheapest to most expensive, with the worked payoff example.
Read the guide →3.49 percent a month
BillEase Loan: Interest Rate, Requirements, and How It Compares
What BillEase costs, the zero percent catch, and where it sits against cards, app loans, and government loans.
Read the guide →Requirements plus real cost
Cashalo Loan Application: Step-by-Step Guide
Documents, timeline, and why the headline daily rate understates the real cost of a CashaLoan.
Read the guide →Requirements, rates, documents
Pag-IBIG Home Loan Requirements: The Full Checklist
Who qualifies, how much you can actually borrow, the full document checklist, and where the Pag-IBIG loan belongs in your payoff priority.
Read the guide →The same-unit conversion
Juggling Multiple Loan App Installments? How to Tell Which One Is Actually Hurting You Most
Convert every installment plan to the same unit, rank them, and find the balance actually draining the most money.
Read the guide →
Credit cards and consolidation
The 3 percent question
How to Read Your Credit Card Statement (and What 3% Monthly Interest Actually Means)
The BSP rate cap, the minimum payment trap in real numbers, and the added charges that push costs past 3 percent a month.
Read the guide →Three conditions
Should I Get a Personal Loan to Pay Off My Credit Card?
The rate math is nearly a wash between the two good options; the decision turns on which behavior risk you can manage.
Read the guide →What consolidation actually costs
Is Debt Consolidation Worth It in the Philippines? What It Actually Costs
When a consolidation loan genuinely helps, when it quietly hurts, and what avalanche order gets you without a new loan.
Read the guide →
When debt gets scary
The real law, explained calmly
Can You Go to Jail for Unpaid Debt in the Philippines?
The constitutional ban on debt imprisonment, the three real criminal exceptions, and what collectors cannot legally do.
Read the guide →Probably not
Do You Need to File Bankruptcy in the Philippines? Read This First
FRIA's 500,000-peso threshold, the two real tracks, and why most consumer debt has a faster, quieter path.
Read the guide →
Savings and daily habits
Savings challenges plus the debt question
Ipon Challenge Philippines: Which Savings Challenge Actually Works (and What to Do If You Also Have Debt)
Every ipon challenge variant compared honestly, where each one fails, and why challenge money belongs in the payoff plan.
Read the guide →
Why These Guides Are Different

See the math before you decide anything.

Most debt content explains the theory and leaves you to do the math on debts spread across five apps. These guides were written around the opposite premise: the explanation and your actual numbers belong on the same page. Every guide above connects to the payoff planner, which ranks every balance you owe in avalanche order and shows your projected debt-free date, free, with no bank linking and nothing to pay first.