In this life no matter how much we try, sometimes things will just fail to go as we had earlier planned or envisaged.
For instance, you could be among the thousands of people who had taken a loan from the OPesa app or any other platform during the pre-pandemic period with all good intentions to repay on time. Then came the pandemic and everything was rendered untenable leading you to unintentionally 'default' on your OPesa loan.
You are now there feeling like a trapped bird in a cage just because you failed on that loan repayment. No light at the end of the tunnel yet and you have surrendered to fate. That should not be the case. Below are four tips that you should consider following should you be in such a situation now or in future.
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1. Reach out to OPesa customer care to find out what options are available
Coiling back and saying that fate should take its course is simply unwise. However, reaching out to OPesa customer care agents will see you agree on a workable plan that suits your current situation. OPesa has a listening ear, speak up now!
2. Make partial payments
Making partial payments when you are unable to repay your overdue loan all at once, goes a long way in affirming your commitment towards repaying your loan in full. Consider it a viable option because OPesa will understand.
3. Be intentional before taking OPesa loan
Most of the times human beings learn from their own bad experiences and mistakes. Therefore, your delayed repayment of that OPesa loan could just be the thing you required to develop a responsible borrowing culture.
As such in future, be explicitly intentional on why you need that OPesa loan and whether you will be able to repay it.
4. Reflect
It is always good to take a moment and ask yourself, where and why did I go wrong that I defaulted that loan and are there any lessons to learn from it that can help me protect myself from the risk of being late on my future loans repayment.
A slip is not a fall, but donning a black suit to mourn over your sorry situation is. Get after it, get it done now!