Love is free, they said. But if you’ve ever cried in MRT Cubao over someone who “just wasn’t ready,” you know the truth: modern romance is utang with bad interest rates.

Love on Credit is the brutally funny, painfully relatable sequel to Swipe Right on Trauma. It takes the disasters of dating and reframes them as financial scams-installments, hidden charges, ghost payments, and emotional bankruptcy. Because when it comes to love, the receipts always hurt.

Inside these pages, you’ll find:

The 30-Day Free Trial Situationship – like Netflix, but with more tears and zero commitment.
Interest Rates and Emotional Debt – how every “I’ll change, promise” comes with hidden charges.
Ghosts Don’t Pay Their Bills – why closure never comes from people who vanish without paying their emotional tab.
Loyalty Points, But Make It Painful – how staying too long in toxic love doesn’t earn you rewards, just trauma.
Pending Transactions – the agony of waiting for replies that feel like bank transfers stuck in limbo.

If you’ve ever:

Lent your heart like GCash to someone who never paid it back,
Stayed in a relationship because “sayang naman,“
Or convinced yourself a situationship was “enough”-

…then congratulations, you’re exactly who this book was written for.

But here’s the catch: it’s not all jokes. Hidden between the roasts are real truths about self-worth, boundaries, and why you should stop financing people who treat you like clearance-sale love.

Because in the end, love will always cost you something: time, patience, maybe even your Spotify premium. But it should never cost your dignity.

Love on Credit is Book 2 of The Modern Romance Scam Series, a trilogy that roasts modern love while helping you survive it. Perfect for Millennials and Gen Z readers who are tired of boring advice and want to laugh at heartbreak instead.

So stop lending yourself to people who ghost. Cancel your subscriptions to half-love. And remember: healing may not pay you back in cash, but it pays in peace. And that’s priceless.

“Finally, a book that explains why my love life feels like a 5-6 loan. Painful, accurate, hilarious.” – A kapitbahay who still owes you 200 pesos

“This book didn’t fix my heart, but at least it made me laugh while checking my emotional balance. Would recommend over therapy.” – Some guy eating Jollibee spaghetti alone

“Made me realize I was the one doing installment payments in love. Thanks, I hate it.” – Your friend who always says “utang na loob” in relationships

“Seriously? Sino nagsulat nito?” – Jay Dijkstra