How Repayments Affect Your Pandesal Points

Every repayment for either Credit-Building or Trust-Building loans directly impacts your Pandesal points, which serve as your reputation on the platform. Our system is designed to reward consistent, reliable, and honest behavior; small loans repaid cleanly are more valuable for your reputation than large loans repaid sloppily. Scoring Breakdown - On-Time, Full Repayments: Completing a 100% repayment on or before the due date earns the maximum (10 points). - Partial Repayments: Failing to repay the full amount reduces your points proportionally — 75% = 7 points · 50% = 5 points · 25% = 3 points. - Late Repayments: Any payment received after the agreed-upon deadline results in 0 points for that transaction. - Defaults: Unpaid loans leave a permanent mark on your profile that is visible to all future lenders.