Financial emergencies can happen to anyone, no matter how good we are with budgeting our bi-monthly paychecks. Sometimes it can be so bad, to the point that we just want to poke our officemate and say Par, pahiram. But what if our trusty officemate that we always go to, also falls short? That’s where a payday loan comes in. A quick and easy fix with just a few clicks, for a bad financial mix.

Applying for a payday loan is really helpful, especially when we just need some instant cash to help us survive until we get our next paycheck. The word loan may sometimes easily throw us off because of the process we would need to go through, but it is different compared to the typical bank loan that we already know.


Whenever we see the word loan, we would often think that we need to walk through fire when we need to apply, but for a payday loan, as long as you meet the necessary requirements, applying is just easy as pie! With the transaction being purely online, you don’t have to worry about appointments or waiting in line. You don’t have to worry about printing or photocopying any of your documents. Imagine the convenience of doing everything with just a few taps on your mobile phone, or with just a few clicks on your computer. You’re not only saving yourself from your financial crisis and saving your time, but you’re also helping in saving mother earth! It’s like killing two birds with one stone.


Saving money when you’re applying for a loan kind of sounds fishy, right? There are a few scenarios that are actually quite common, where we would sometimes think that it’s okay to wait, without even realizing that it’s causing more damage rather than helping our budget, and more damage means we’ll need more money. Here are a couple of examples:

Scenario No. 1: You have some bills that you need to pay right away or you’ll have to pay for those late fees, or worse your provider will pass you the judgement of disconnection. You would tell yourself that you would pay everything once you get your paycheck, but what if it’s still forever before you receive it?

Scenario No. 2: Something you have is broken. It can be your gadget, motorcycle, car, or even the sink in your bathroom. Instead of having the broken parts fixed, you choose to wait out until you get some space in your budget.

These are just some scenarios that we would sometimes overlook. We would sometimes end up letting those late fees stack up or actually incurring penalties, resulting in more money being spent. Also, by letting some broken parts stay broken, we risk damaging the whole thing, and we just end up getting replacements which costs more. It’s best to choose the road where we’ll save more money in the long run, and a payday loan can help us avoid spending more. Afterall, like how the saying goes, prevention is better than cure.


When applying for a loan, one of the things that we are worrying about is the duration of the process, before we hear if our loan is approved. Fortunately, the waiting time is incredibly fast for payday loans. We can expect to have our loan approved, from just a few minutes to instantly. We don’t have to think of that anxiety inducing waiting time. Solving a financial crisis in a matter of minutes seem to be so far from reality before, but now it has become easy!


While there is still no centralized ranking in terms of credit scores here in the Philippines, banks still check our credit score or our history with our bank, to see if we have the ability to pay for the loan we are applying for. Sounds like it’s hard work, right? When it comes to payday loans, we don’t have to think of credit scores. Having a bad history with your bank won’t affect the approval of your loan, so that’s one less problem off of your list. Just having a stable job will be more than enough to prove your ability to pay. So just have your updated payslip ready!

Sometimes we become so focused on looking at the little things instead of the bigger picture, resulting in missed opportunities. Now we don’t have to think that applying for a loan will only do more bad than good, because we now have a savior when we’re suddenly in a financial emergency. Why should we let ourselves bleed out and be stressed, when we are now aware of a brighter option? Saving our wallets and saving more of our time sounds a whole lot better, right?

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