Pera-ph

Frequently Asked Questions

How do I apply for an interest-free loan through Pera-ph.com?

All you need to do is determine the amount you want to request and fill out a short online form. We will find a lender for you, who will send you an online loan agreement if you are eligible. Sometimes, lenders require a background check to verify your employment information or salary. If you agree to their offer, they will transfer money directly to your credit card or bank account.

Is Pera-ph.com free?

Our service is completely free. We earn a small commission from lenders in the event they credit a loan to your account.

How much can I borrow?

Pera-ph.com finds and compares loan offers from the best lenders in the Philippines. Our partners offer loans ranging from ₱ 500 to ₱ 25 000 with a variety of repayment options.

Are there any borrower requirements to get a loan?

Each institution has its own borrower requirements. Overall, you must be a citizen of the Philippines over the age of 18 with a valid SSS, TIN, or UMID card; you must also have a source of income and be able to provide a valid debit card or bank account number.

What if I have a bad credit score?

Perfect credit histories are less common than you think. If you don’t have any open delinquencies, you will most likely get a loan.

Can I make payments on my loan ahead of schedule?

Yes, you can repay your loan at any point before it expires.

What if I cannot repay my loan?

It is important to be certain that you are able to pay within the given timeframe before applying. If your situation changes, and you are concerned that you cannot repay your loan, it is best to contact your lender right away to find out which options are available. If you are experiencing financial issues and have a mounting debt, we strongly recommend you not taking any more loans from any lending institution, and that you immediately seek independent financial advice.

When do I have to repay my loan?

Each lender has their own process and will send you all the information you need to make your payments. Repaying loans is simple and can often be done through direct transfer, by creditor debit card, or by depositing money to a specified bank account. You should follow the instructions your lender gives you and make payments on time to avoid additional charges.

Frequently asked questionsPrivacy policyContactsCommission and Fees
CookiesAbout usHow it worksTerms and Conditions

Intermediary Responsibilities Policy

Pera-ph.com is not a lender, nor does it take any decisions regarding loans. Pera-ph.com finds lenders for customers based on their application information. It earns a commission, paid by the lender, for providing advertising services. We cannot guarantee that a lender will accept your application or that they will offer you loan terms that will suit your needs. Not all lenders can provide loans of up to ₱ 25 000. The time it takes to process and transfer a loan depends on the lender. This website does not directly endorse any particular product or service. Any information on this website is approximate in nature. Some lenders may perform a credit check with a credit reporting agency as a loan condition.

Maximum/Minimum Repayment Periods and Maximum Interest Rate

The loans offered on Pera-ph.com have a minimum repayment period of 120 days (four months) and a maximum of 180 days (six months). APRs range from 0% to 36%. Interest rates vary from lender to lender.

Collection Policy

Pera-ph.com does not collect payments. Your lender will contact you by regular mail, email, or phone to outline a repayment schedule. Please contact your lender to determine their collection process, as the terms may vary.

Default

If you cannot pay on time, each lender has their own policies on fees/interest and how they handle debt collection. Some lenders may explore legal options in the event of continued nonpayment. Most lenders will contact you by regular mail, email, or phone to change your payment terms. Failure to pay may result in interest accruals and/or increases and may affect your credit score. Please read through the fees section on the lender’s website before proceding to taking a loan.

Late Payments

Please contact your lender directly if you think that you cannot repay your loan on time. Lenders may be able to extend or renew your loan under the initial terms and conditions. Terms and late payment options vary by lender. Please note that late payments may result in additional fees or interest and may also negatively affect your credit score.

Extensions

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.
Paadi tee 3, Haabneeme, 74001 Harju maakond, Estonia

© 2025 Pera-ph.com