Loans
A methodology-first preview for Philippine borrowing comparisons: real cost, approval friction, and speed without pretending every teaser rate deserves equal weight.
Products
Move between Truva comparison desks
Loans should be compared on total pain, not just on the teaser rate that got the ad click.
The Truva loans hub is intentionally a preview right now because the right UX for borrowing is methodology first: effective annual cost, fees, approval friction, time to funding, and flexibility when the borrower’s situation changes.
Market truth
Two lenders can advertise the same monthly rate and still produce very different total repayment.
That difference comes from fee structure, add-on pricing, disbursement deductions, and how long the money takes to reach the borrower.
Preview stance
No fake marketplace, no fake ranking, no fake score.
Loans are the easiest category to make look complete before the logic is complete. This preview keeps the emphasis on methodology and borrower tradeoffs until the data model is ready.
Trust bar
Borrowing comparisons need stronger disclosure than deposit comparisons.
Loan pages should explain what is still in preview, how Truva plans to normalize cost, and why speed and flexibility belong beside price.
APR over teaser rate
The planned comparison will prioritize effective annual cost instead of whichever monthly add-on rate looks smallest.
Funding-speed context
Time to approval and time to cash-out are first-class comparison inputs, not footnotes.
Editorial independence
The preview hub stays honest about what is not live yet and links directly to the trust policy.
Read editorial integrityLoan methodology
See how fees, flexibility, late-payment risk, and borrower fit will feed future rankings and scorecards.
Open loan methodologyStart here
The right next step depends on whether you want framework or future tools
Because loans are still a preview category, the top of the page focuses on comparison logic and borrower questions rather than pretending the marketplace is already complete.
Methodology
Inspect the methodology
Start with the rules Truva will use to compare loans before you trust any future shortlist.
Utility
Model repayment math
Use the calculator when you want a rough sense of repayment burden before live loan tools ship.
Trust
Read the trust policy
Understand how Truva will label ads, partner-supported content, and editorial recommendations.
Compare preview
What Truva will compare before any lender earns a recommendation
This section is intentionally about fields and borrower outcomes, not lender thumbnails. The loans page should earn that marketplace feel only after the methodology is tight enough to defend.
Effective annual cost
Teaser monthly rates will be translated into a cost that reflects the actual borrowing structure, not the friendliest headline.
Fees and net proceeds
Borrowers need to know how much cash actually lands in the account after processing, service, and origination deductions.
Approval friction
Documentation, salary requirements, employer checks, and rejection risk matter almost as much as the nominal price.
Time to funding
A slower cheap loan and a fast expensive loan solve different emergencies. The page should make that tension explicit.
Borrower questions
The future hub should answer these questions immediately
Which loan is actually cheapest after fees?
The comparison engine should answer this before the borrower ever sees a promotional banner.
How much money will I really receive?
Net proceeds often matter more than the advertised principal when fees are deducted up front.
How painful is this loan if I need flexibility?
Late-fee structure, early repayment rules, and rollover risk need visible treatment in the main comparison surface.
Methodology and transparency
The loans hub should launch with visible rules before it launches with lender cards.
This preview page exists to prove the information architecture and the trust model before a marketplace layer is allowed to ship.