How can I make payment to Maya Easy Credit if I don't have enough funds?

Maya Credit is one of the services provided by Maya Bank Inc. for all eligible users. They offer a minimum credit of 200 Pesos up to 18,000 Pesos in credits, payable within 30 to 45 days. Once you activate Maya Credit, you can immediately transfer the amount to your wallet. However, once you have taken the credit, you need to know how to repay it. When is the due date for Maya Credit? How do you pay Maya Credit? Is it in installments or not? Can I make partial payments? Read until the end of this article because I will teach you on how to pay your Maya credit bills even you have short fund.

List of Contents
I. When should I pay Maya Credit?
II. How does it become 45 days to pay Maya Credit?
III. What are best way to pay Maya Credit?
IV. Should I can pay my Maya Credit bills even I have short funds?
V. Things to Remember

When should I pay Maya Credit?

During the activation process of Maya Credit, they will ask you for your Billing Date, right? It is best to choose the date when you receive your income. This will give you confidence in paying your credit on time. For example, if you choose the billing date as the 15th of the month, your billing statement will end on the 15th, and you can make partial payments until the end of the month. Maya allows you a 15-day grace period to pay your credits. It is better to wait for your Billing statement to appear on the app before paying your bills.

How does it become 45 days to pay Maya Credit?

If you use your credits on the 16th of the month after paying your previous bills, you will receive the bills on the 15th of the next month, along with a 15-day grace period. This totals to 45 days from the day you borrowed the money.

What are best way to pay Maya Credit?

The best way to pay Maya Credit is by tapping the "Pay Now" button in the Billing Statement section of the credit tab. This will provide you with security and assurance that the information is correct.

Should I can pay my Maya Credit bills even I have short funds?

Here is a technique on how to pay Maya Credit even when you have limited funds in your wallet. It's called the 'Rotation Method,' where you rotate the money within the credit tab to the wallet. However, make sure you know the exact amount of your bills to avoid overpaying.

At this moment, you need to tap the 'Pay Early' button instead of the 'Pay Now' button. After clicking the 'Pay Early' button, put your entire available balance and click 'Pay'. Make sure that the funds you have are higher than the interest on your borrowed money, as the interest will be deducted first from your payment. On the other hand, if you have 5000 pesos in credit used with an interest of 299.5 pesos, you should have at least 2800 pesos in your wallet.Upon payment, only 2500.5 pesos will be restored to your credit line, which you can borrow again. Secondly, borrow again from the restored credit line and click 'Pay Early' once more. Enter 2500 pesos as your payment and click 'Pay'. At this point, you will have already repaid the 5299.5 pesos Maya credit you borrowed in the previous month. Additionally, the 2500 pesos you paid will become your remaining credit limit, which you can use again.

Take note that by following this process, you will be taking out a loan again in Maya while paying off your dues. On the other hand, the second time you return the credit limit to your wallet, it will be considered borrowing again for the next billing statement. If you believe that you cannot afford to pay the large amount of credit, only borrow an amount that you can afford to pay when the due date arrives.

Comments

Trends this week

The Best Way to Convert GGives into Cash 2025

In this article, I will share the most cost-effective method for converting GGives into cash. As Shopee no longer accepts GGives, finding alternative ways to encash them has become essential. While some vloggers discuss trading as an option, it can be risky when dealing with money transactions. However, there is a legitimate method on how convert GGives to cash using the GCash app. Follow these simple steps: 1. Login to Your Konek2Card Account: Navigate to the “Client Initiated Payment” tab to copy your CIF number. 2. Access Your GCash Account: In the GCash app, go to the “Biller” section and select “Card Bank Inc.” 3. Input Details: Enter the amount you want to transfer, along with your CIF number and other necessary information. 4. Pay Using GGives: Complete the transaction by using your GGives. By following these steps, you’ll effectively transfer your GGives just like an Instapay. The cash will be credited to your Card Bank Account and can be withdrawn through ATMs, ban...

2 Ways to Cash Out Spaylater Credit Limit

Spaylater is the buy-now-pay-later payment option offered by shopee to their selected users. This feature is available exclusively in shops to help users enjoy the shopping experience without worries. More of the users are prepared to cash out credit limits like Sloan. They are more likely to use money for personal and daily needs. Sloan is offered by shopee app once users continuously use Spaylater with good payment history but exceptional to those users with a high credit reputation and history to other financial institutions such as banks, CIC, e-wallets, and other lending companies. However, like Sloan, Spaylater can eventually use it as a payment method outside the application via QR code payment. Just finish this article for you to enlighten more. If you are a new user of Spaylater, this option is temporarily unavailable. Enjoy using spaylater instead and wait to activate the more features that you can enjoy of using spaylater. Here are the following steps on how you can tra...

Gcash Failed Transaction but deducted? Here's what to do!

One of the common problems in GCash transactions is that the debited amount is not reflected in the recipient's account or is not credited to the biller. Someone who has this problem feels frustrated and alarmed by what they need to do. They worry about the overdue charge for the biller that had a failed transaction and about possibly losing money to an unknown. GCash is always on the go; you have nothing to worry about with all failed transactions as long as there's valid proof of your transaction, specific time, and exact date. As the most reputable and trusted fintech app in the Philippines, GCash customer service will always be on the act to serve you better and solve the problem you are facing in their application. However, if your failed transaction is about bill payment, there is a possibility that you will be overdue to the biller. But if the failed transaction is reconciled by GCash and the biller, all possible overdue charges because of your delayed pay...

What are the differences between GLoan, GGives, and GCredit?

GCash is the number one E-Wallet in the Philippines, making it the most useful application of all time with almost 81 million active users as of May 2023. It is like a huge supermarket that has been compressed and put into your phone. They have several partnerships with physical stores, insurance companies, online stores, SMEs, corporations, freelancers, casinos registered with PAGCOR, and financial institutions like lending companies and crypto investments. However, not all of its million active users fully utilize the power of this super app. In this article, I will be telling you about one of the most useful and helpful features of the GCash App: the Borrow features. If you have already read the article titled “ Which is better, GCash (GLoan) or Billease? ”, I have already explained the factors that determine your eligibility for the Borrow features of GCash. Here, I will be explaining the differences between the three icons within the Borrow icon and what are th...

Your Guide to Change Mobile Number in Diskartech App

When my mobile number was lost and became deactivated, I wasn't able to transact anything in the Diskartech app. It was always asking for a one-time password as the key to proceed with any transactions. To solve my problem, since the Diskatech Application has no tab for changing mobile numbers, I have no option but to contact their customer service email address. Yes, you heard it right; once you have a problem with your account, always contact customer support through the email address or phone. When I was trying to recover my account by changing my mobile number, it took days to resolve. Since I am a busy person, I can not reply to the email immediately. I'm going to share with you guys my experience of changing Mobile Number in the Diskartech App. Disclaimer: I will not specify all things here since the content of the email was not authorized to be reproduced nor shared with anybody prohibited by the RCBC. Rizal Commercial Banking Corporation (RCBC) is the bank behind the D...

SSS and UnionBank Launch "LoanLite" to Combat Loan Sharks

In a significant move to bolster financial inclusion and protect its members, the Social Security System (SSS) has partnered with Union Bank of the Philippines (UnionBank) to introduce SSS LoanLite . This new micro-lending program is strategically designed to provide a safe, accessible, and affordable credit alternative for millions of Filipinos, specifically targeting those most vulnerable to predatory lending institutions . A Digital Shield Against Predatory Lending The core mission of SSS LoanLite is to act as a financial safety net. SSS President and CEO Robert Joseph de Claro explicitly highlighted this protective function, stating, “ This will really help each Filipino, members of SSS, not to fall victim to loan sharks. ” This direct acknowledgment of "loan sharks" by the SSS leadership is a crucial step. It validates the real struggles many Filipinos face when in urgent need of cash and positions a government-backed institution as a proactive defender of ...

Philippines Agriculture and Fisheries Sector Shows Strong Growth in Q1 2025

The Philippine Statistics Authority (PSA) has released its latest report on the Volume of Production of Agriculture and Fisheries for the first quarter of 2025, revealing notable trends across key sectors. The data highlights a 7.4% increase in crops production, a 9.3% rise in poultry output, and a 1.5% growth in fisheries compared to the same period in 2024. These figures underscore the resilience and evolving dynamics of the country’s agri-fishery industry. Crops Production: Sugarcane and Tobacco Lead Expansion The total volume of crops production reached 26.94 million metric tons, marking a 7.4% year-on-year increase. Sugarcane emerged as the top performer, with output surging by 19% to 12.10 million metric tons, accounting for nearly 45% of total crops production. Tobacco also saw an extraordinary 80.4% growth, though its overall volume remained modest at 20.49 thousand metric tons. Other gainers included cacao (up 23.6%) and rubber (up 13.6%), signaling dive...

How to Convert TikTok Paylater to Cash Guide and Review

TikTok users who already have activated the TikTok PayLater offered by the TikTok shop to their loyal customers are wishing to convert the offer into cash, as they are more prepared to spend the money on other daily needs or bill payments. However, TikTok just came on to the purpose of the financier as “buy now pay later” for the products that users prepared to check out. All e-commerce offered Buy Now Pay Later options are naturally not convertible to cash, though users are still looking anyways to make the credit limit more useful and viable. Like GGives , Spaylater , and Lazada PayLater, all of the offer limits are spendable to purchase goods and services within the e-commerce shops and partners. Though Spaylater has an option to convert your limits without risks and additional service fees, we have no guarantee when the last time it will work to become convertible as before. GGives is easily convertible into cash using Shopee Shop through canceling the checkout. But when Sho...

CIMB Revi Credit Review Philippines: Is It Worth It?

With a fast-paced lifestyle these days, having ready access to credit can be a lifesaver. CIMB Bank Philippines, which is a top digital bank, provides Revi Credit, which is a convenient loan product for financial ease. Whether you require funds for emergency use, for business, or other personal expenditure, Revi Credit offers a revolving credit line with the flexibility to take a term loan. But what is it, and how does it work, and is it for you? In this review, we'll summarize the features, interest rates and advantages of CIMB Revi Credit to assist you in making a decision. What is CIMB Revi Credit? CIMB Revi Credit is a revolving facility that enables eligible users to take cash advances up to their approved amount and repay it in a flexible manner. If your credit limit is at ₱100,000 or higher, you can repurpose 30% of this as a term loan with a tenor of up to 3 years, and 70% remains as revolving credit. This hybrid product turns Revi Credit into an adaptable finan...

FT Lending Review: Loan, Interest

Are you looking for a fast and convenient loan with minimal requirements and no collateral? Then maybe this lending app suits your needs. Filipinos often prefer the simplest transactions and fast approval when it comes to loans, as many of us urgently need extra cash. FT Lending App is one of the online lending apps offering no-collateral loans for Filipinos. Most OLAs with no-collateral loans have high interest rates, as lending money to unknown borrowers is considered risky. Approval still depends on the company’s screening results through profiling and assessing whether the borrower is capable of repaying the requested amount. After assessment, if approved, the credit limits may differ for each user. This credit limit is a revolving credit—like Maya Credit , GCredit , Mabilis Cash Credit , Billease , Spaylater and Revi Credit —where you can reuse the available credit after repayment, even if you have pending installments. If you're willing to know more about this lending app, j...

Search This Blog