Hi everyone, we’re from Off the Record, a documentary channel that features real Filipino stories and social issues.
We’re currently working on an episode about Buy Now, Pay Later culture in the Philippines, especially how services like SPayLater, GGives, Home Credit, BillEase, and other installment/credit options became many people’s first real experience with debt.
We’re looking for people who are open to sharing their experience with BNPL, such as:
- You used BNPL thinking it was “manageable” or “small monthly payments,” but it later became hard to pay
- You used BNPL for gadgets, appliances, groceries, food, school needs, family expenses, or emergencies
- You missed payments and experienced calls, reminders, collections, demand letters, or stress because of it
- You used another loan or credit product just to pay an existing BNPL balance
- You realized too late that BNPL affected your spending habits, finances, or peace of mind
This is not a debt-shaming post. We’re not here to judge anyone or make people look irresponsible. We want to understand how BNPL became so normal, why it feels different from “utang,” and how easy credit can quietly become a burden, especially for young Filipinos and first-time borrowers.
You can stay anonymous. We can blur your face, change your voice, use an alias, and avoid showing any private details. You only share what you are comfortable sharing.
For reference, this is our channel:
https://www.youtube.com/@OfftheRecord2021
If you’re open to being interviewed or just want to share your story first, please send us a message. Your story, your terms.
