I know I’m not the only one here with a credit score that looks like absolute shit. Banks won’t touch me, loan apps keep rejecting, and every “instant approval” ad turns out to be a damn lie. I found this page — https://moneypanda.ph/quick-loans/with-bad-credit-score — and it claims some lenders in the Philippines still approve people even if your credit record is a disaster.

Anyone tried these guys? Do they actually approve bad credit users or is it just more marketing crap? I’m tired of apps pretending they don’t check anything and then declining the moment they see your score. If somebody here got approved with real bad credit, drop the name and how long it took.