Bangon: OLA & Debt Tracker PH

Bangon — Filipino Debt Tracker & Recovery Community
Independent app for Filipino borrowers. Track every loan, plan your payoff, log abusive collector behavior, and connect with others walking the same path. 100% free, offline-first, no signup required.

WHAT BANGON DOES
Bangon is a PERSONAL DEBT TRACKER and a COMMUNITY for Filipino borrowers struggling with online lending apps (OLA), 5/6 loans, credit cards, and informal debt (utang sa pamilya, paluwagan). The app helps you:
• Organize every loan in one screen — balances, due dates, interest, payments
• Choose a payoff strategy and see your estimated debt-free date
• Log harassing calls/SMS so you can keep evidence on file
• Read what other Filipino borrowers say about each lender
• Share your own recovery story (anonymously) or read 50+ user-submitted ones
• Track your monthly budget + expenses against your payoff plan
• Get notified when a lender is flagged by the community as high-risk


SUPPORTED LOAN TYPES
Bangon supports every major Filipino loan type:
• Online lending apps (OLA): Cashalo, Tala, GCredit, GLoan, Maya Credit, Home Credit, Tonik, Digido, Acom, PesoRedee, Kredivo, Plentina, BillEase, TendoPay, Atome, JuanHand, UnaCash, Robocash, OLP, Salmon, MariBank, UNO, Vamo, Crezu, and 30+ more
• 5/6 loans (Bombay/informal lending)
• Credit cards (BDO, BPI, Metrobank, Security Bank, RCBC, EastWest, Citi, HSBC, UnionBank, Maybank, etc.)
• Bank personal loans, car loans, housing/mortgage loans
• Paluwagan, utang sa pamilya, pawnshop (sangla), cooperative, microfinance, business loans
• Salary / calamity loans, multi-purpose loans, housing loans, public-sector loans (tracked as loan categories — Bangon does not process applications)
• Buy Now Pay Later (BNPL): Atome, BillEase, TendoPay, Lazada PayLater, Shopee SPayLater, GrabPay Later

KEY FEATURES
DEBT DASHBOARD — All your loans in one screen: total balance, amount paid, estimated debt-free date.
PAYMENT TRACKING — Log every payment instantly. Auto-updates balance. Add penalties, interest charges, late fees as they happen.
BANGON PLANNER — Enter monthly budget, see your debt-free date. Choose payoff strategy: Snowball (smallest first), Avalanche (highest interest), or OLA First (most aggressive lenders first).
PERA TAB — Budget + expense tracker tied to your debt plan. Auto-insights on spending patterns + monthly debt-free projection.
OLA REVIEWS & RISK LABELS — Community ratings on every Filipino OLA. Red "Flagged" labels surface lenders that other borrowers have reported as high-risk. Bangon does not certify any lender as legal or illegal — labels reflect community sentiment only. Always do your own research before borrowing.
HARASSMENT LOGGER — Log every harassing call, SMS, or message. Keep evidence on file for personal reference.
COMMUNITY CHAT — Anonymous real-time group chat. Share experiences, ask questions, support each other.
BANGON STORIES — User-submitted recovery stories. Post your own, upvote helpful ones, comment + ask questions.
TIPS & ARTICLES — In-app guides covering snowball vs avalanche, debt negotiation scripts, emergency fund habang may utang, refinancing options, mental health support, red flags of risky OLAs, and more.
STATISTICS & BADGES — Total paid, penalties incurred, debts cleared, payment streaks, debt-free milestones.
OVERDUE ALERTS — Local notifications before due dates so you never miss.
PIN LOCK & PROFILES — 4-digit PIN, separate profiles per family member. Local-only data on your phone.
OFFLINE-FIRST — Debt tracking works without internet. Community features sync when online.

BUILT FOR FILIPINOS
Bangon is designed specifically for Filipino debt culture — OLAs, 5/6, paluwagan, credit cards, BNPL. Other generic debt apps don't understand the Pinoy experience. Bangon does.

Bangon sa Utang. Bangon sa Buhay.