Pera-ph

Who We Are

Our platform is committed to providing you with offers that work for you, saving you time. It takes just five minutes to apply, and we can help you get funds for a short period, without any collateral or cosigners. You are welcome to use our service even if your credit history is not perfect. Loans up to ₱ 25000 are the best option for those looking to receive a small amount for a short period.

Our loan matching services is 100% free for our customers. Everything is online, meaning that we never call users and do not request information or personal data. Please note, however, that we do not offer funds and can’t guarantee that lenders will respond positively.

Regulated lenders will never ask you for a commission or percentage before transferring the full amount of the loan to your card. Please be wary of messages or calls requesting payments to an account with an unknown organization. Lenders take a decision to provide loans only after they have received all of the borrower’s information.

People with poor credit histories, students, retirees, freelancers, and those between jobs can find loans on our platform. The primary condition is that you have a regular source of income. The right to accept or refuse a loan is yours. Always. Please read the agreement terms carefully and be sure that you understand your obligations to the lender before the receiving the money.

If you still have questions, you can reach us through the feedback form.

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Responsible Lending Policy

We represent Fininity Ltd, which acts a credit broker. We are not a lender. Pera-ph.com does not directly offer any type of loans or consumer loan products.

Maximum/Minimum Repayment Periods and Maximum Interest Rate

The APR is the cost of borrowing a loan, expressed as a nominal annual interest rate. As Pera-ph.com is a credit broker and not a lender, we cannot guarantee a particular annual percentage rate. Annual percentage rates typically range from 0% to 36%. Repayment periods for loan products usually range from four months to six months. Before accepting a lender’s offer through our system, please make sure to read through the loan agreement carefully, since interest rates and repayment terms may differ from those listed on this website.

Collection Process

Please contact the lender directly if you are having trouble repaying. They will be able to discuss payment options with you. The lender reserves the right to give your information to a third-party collection agency, should the situation remain unresolved.

Consequences of Default

Pera-ph.com always recommends repaying on time. If you cannot, each lender has their own policies on fees/interest and how they handle debt collection. Most lenders will contact you by regular mail, email, or phone to change your payment terms. Nonpayment may result in penalties and/or increased interest. We recommend that you contact your lender as soon as you know there is an issue; otherwise, your credit history may get affected.

Late Payments

If you think you won’t be able to make a payment on time, then it is important to contact your lender beforehand. Your lender may offer to extend or renew your loan. Keep in mind, however, that this will accrue additional interest. Your lender may charge a fee for late payments. The amount is determined by the lender, so please read the loan terms before agreeing. Late payments may also negatively affect your credit score.

Extension Policy

If you wish to renew or extend your current loan, please contact your lender as soon as you can before your payment date. Although some lenders may extend your loan with the same terms as the original loan, each lender has their own extension policy and may charge additional fees or interest. Sometimes, renewals may be processed automatically. Please consider the decision to extend your loan very carefully and seek independent financial advice if necessary.

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