In partnership with the Efren Ll. Cruz’s Personal Financial Advisors Philippine Corporation, CERTA Inc. is bringing The EnRich™ Get Out of Debt (G.O.O.D.) to the Visayas area.
The G.O.O.D Program aims to get people out of debt in the quickest time possible (i.e. potentially as early as seven months) through a combination debt condonation, loan restructuring, refinancing, comprehensive financial planning and periodic personal financial coaching. Through this program we aim to lower your interest expense and monthly cash outflow for debt amortization overall while providing you with the guide to avoid a recurrence of over borrowing.
Loan refinancing shall be provided by our partner lender while our Company CERTA Inc. in partnership with the Personal Finance Advisers Philippines Corporation (PFA) shall be limited to providing financial advice through the following:
• Provision of preliminary financial plans prior to loan refinancing
• Subscription to Ya!man, the country’s first free personal finance mobile
application for iOS, Android and Symbian mobile phones
• Access to our PFA’s “Ask a Friend, Ask Efren” service where simple personal
finance questions can be posted and replied to free of charge for as long as we
are in existence.
• Provision of final comprehensive financial plan upon approval and release of
• One year of daily SMS coaching starting on the day immediately following the
approval and release of a refinancing loan
• Guide on daily cash flow tracking for one month starting on the day
immediately following the approval and release of a refinancing loan
• A maximum of 15-minute, once a month follow up coaching sessions via
phone or by face-to-face meetings whenever possible for twelve (12) months
starting one month after the approval and release of a refinancing loan
We do not guarantee the approval of a refinancing loan. The loan applicant shall have to pass the credit review of our partner lender and, once approved, execute separate documents with them. We also does not earn any referral fee from our partner lender. There shall be no fee charged by us or by our partner lender if there is no approved refinancing loan, which is critical to our program. Even if not approved, interested individuals shall still be provided the free services listed above.