Big Loan App Review: Is It a Real Lending Platform or Just a Harassment Scam?

📌 Overview

In recent years, financial emergencies have driven thousands of Filipinos to turn to instant loan apps like “Big Loan” for help. But for one family, what started as a simple ₱2,000 loan spiraled into emotional trauma, online harassment, and unprofessional behavior from so-called “agents.”

This review breaks down the truth behind Big Loan—examining user experiences, hidden red flags, company background, fake reviews, and ultimately answering the question: Is Big Loan a scam?

🧾 Real User Experience: A Family Traumatized

A Reddit user on r/Philippines shared a chilling experience after their mother borrowed ₱2,000 from “Big Loan.”

Instead of flexibility or understanding, the family was harassed daily through aggressive calls, SMS threats, and even emotional abuse during odd hours while the borrower was working graveyard shifts.

One “agent” even went as far as to say:

“Kung ayaw mo magbayad edi wag, sarilihin mo na lang yang pera mo. Magnanakaw ka!”

Attempts to reach customer support led nowhere—a crying supervisor allegedly took the call but refused accountability.

🚩 Red Flags and Warning Signs

Despite a suspiciously high rating of ~4.1 on the Google Play Store, the app reeks of red flags that are common in fake or exploitative loan platforms:

1. Abusive Collection Practices

• Harassment via texts, calls, and even social media DMs

• Psychological abuse and shaming

• Contacting relatives or employers — a violation of the Data Privacy Act (RA 10173) in the Philippines

2. Fake or Manipulated Ratings

• Most Play Store reviews read like copy-paste spam: “Good app, very nice, fast service,” repeated in slightly different variations

• Poor grammar, fake names, and no detailed feedback—signs of a rating manipulation farm

3. Untrained, Emotional “Support”

• Legitimate financial institutions never allow support agents to respond emotionally or unprofessionally

• The support supervisor crying and refusing to help shows a lack of structure

4. Shady Company Information

• No official website

• No SEC registration under “Big Loan” or its developers (as of August 2025)

• Often listed as "unknown developer" on the Play Store

• Uses vague business names like "QuickCash PH," "FastLoan Pro," etc., to dodge public scrutiny

👨‍💼 Who Owns Big Loan App? CEO & Developer Information

Big Loan appears to be part of a network of rogue lending apps circulating under various names, often owned by offshore shell companies with no transparency.

• Developer Name on Play Store: Often shown as “Loan Finance Team,” “FastCash Devs,” or “QuickPay Group” — these names don’t correspond to any real company in the SEC Philippines database.

• CEO or Responsible Person: None disclosed.

• Hosting Country: Likely hosted in China or Hong Kong based on app permissions, API trace logs, and reports from cybersecurity groups.

This is a huge red flag. Any financial company without a clear CEO or contact address is automatically suspicious.

💰 How Do They Make Money?

Big Loan and similar apps profit through illegal practices:

• Charging exorbitant late fees on small loans (₱2,000 loan can balloon to ₱6,000+ in a week)

• Using aggressive shaming tactics to scare users into paying faster

• Possibly selling user data to 3rd parties (phone contacts, call logs, SMS)—since most users grant permission without reading

⚖️ Is Big Loan SEC-Registered?

As of August 2025, “Big Loan” is NOT registered with the SEC Philippines as a legal lending entity. It also does not appear in the official BSP List of Registered Lending Platforms.

The SEC has previously flagged dozens of similar apps and ordered them to cease operations due to:

• Data privacy violations

• Cyberbullying

• False advertising

• Operating without a license

📱 Alternatives to Big Loan (That Are Legitimate)

If you urgently need a loan, try platforms that are SEC-registered and transparent about interest rates and terms, such as:

• Cashalo

• JuanHand

• Tala Philippines

• GLoan (by GCash)

• Home Credit

For those looking to make extra income instead of taking out risky loans, try writing for Lodpost.com, a legit platform where you can earn by sharing your experiences and reviews.

👉 Join here: https://www.lodpost.com

🧠 How to Spot a Fake Loan App

Here are 5 signs a loan app is a scam:

✅ Final Verdict: Big Loan App Is a Dangerous SCAM

❌ Not SEC Registered
❌ No known CEO or company
❌ Fake reviews
❌ Abusive agents
❌ Possible data mining

Big Loan is not a real financial platform. It is a scam disguised as a lending app, built to exploit desperate users through digital harassment, emotional manipulation, and fake credibility.

📢 Report & Protect Others

If you or someone you know has been harassed by this app, report them to:

• SEC Philippines: https://www.sec.gov.ph

• National Privacy Commission: https://www.privacy.gov.ph

• Bangko Sentral ng Pilipinas (BSP): https://www.bsp.gov.ph

Also share your story on Reddit, Trustpilot, or Lodpost.com to protect other users.

🔗 Share This Review

Help protect others by sharing this review with friends, families, and coworkers. Don't let another person fall victim to the Big Loan scam.

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