Will FlexiCash in PalmPay Clear My Loan If I Only Pay the Principal? A Must Read 

If you’ve ever been stranded with a PalmPay FlexiCash loan, you’ve probably wondered: “What if I just pay the principal? Will PalmPay clear my loan and let me go?”

Some PalmPay agents even reach out with promises like: “Pay your principal, and we’ll cancel the interest and overdue charges.” It sounds tempting, right? But here’s the truth—this is nothing more than bait. The system doesn’t work that way, and many borrowers have fallen into this trap.

A User’s Painful Experience with PalmPay FlexiCash

One borrower shared a review that perfectly explains the problem:

“After negotiating with PalmPay FlexiCash agents to pay only my principal amount and clear off my loan, I went ahead and paid some weeks back. I even tried closing my PalmPay account after payment according to the agreement. But to my shock, the overdue interest was still showing on my dashboard, and it kept accumulating. These agents stopped calling and sending messages once I paid, so I thought everything was fine. Now, I realize it was a setup. The interest and penalties have grown so much that they are almost equal to the principal I already paid.”

This story highlights a common pattern: PalmPay’s system doesn’t actually cancel interest and overdue charges just because you paid the principal. Even if an agent promises it, the app’s automated repayment tracker will keep piling up penalties until the entire outstanding balance is cleared.

Why Paying Only the Principal Doesn’t Clear FlexiCash Loans

1. PalmPay Partners FlexiCash – The loan system is directly linked to PalmPay, and all repayments are monitored automatically. There’s no way around the software.
2. Automated Interest & Penalties – Once your loan is overdue, the system continues calculating charges daily until you pay both the principal and interest.
3. Agent Promises Are Misleading – Some agents use the “pay only principal” line as a tactic to get you to pay something. But your dashboard will still reflect unpaid charges.
4. You Can’t Close Your Account – PalmPay won’t allow account closure until all debts are cleared—including interest and overdue fees.
5. Your Credit Record Suffers – Even if you’ve paid the principal, the unpaid interest will still tag your account as defaulted.

What This Means for Borrowers

If PalmPay tells you to “just pay your principal” to clear your loan, don’t fall for it. The reality is:

• The loan won’t be cleared.
• The overdue interest will still show.
• The charges will keep accumulating daily until you pay everything.

What To Do If You’re Struggling with FlexiCash Loans

• Contact Official Support – Always confirm through PalmPay’s official channels, not just through agent chats.
• Ask for Written Proof – If they promise a waiver, demand an official message inside the app or email confirmation.
• Prioritize Full Repayment – The only way to truly close a FlexiCash loan is to pay both principal and interest.
• Avoid New Borrowing – If you’re already in a debt trap, taking more loans from FlexiCash or other apps will only worsen your situation.

Final Warning

So, will FlexiCash in PalmPay clear your loan if you only pay the principal? The answer is NO. Don’t be deceived by sweet talks from agents—the overdue interest will keep building up until you settle everything. If you’re currently battling with a FlexiCash loan, the safest move is to clear both the principal and the accumulated interest. Anything less is just postponing the problem, and PalmPay’s system will not forgive those charges automatically.

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