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Fees and Commissions

Our website, Pera-ph.com, does not set any interest rates for using funds. The service operates transparently. We do not charge any commissions. Our service is free of charge to use.

Your lender outlines the fees for late payments in your contract. Lenders in the Philippines set their own interest rates and penalties for failure to pay.

It is important to note that all financial relationships are between you and your financial institution, not Pera-ph.com. We are not a lender and never act as such. As a website, we only match borrowers and financial institutions by offering a selection of lenders that provide cash loans up to ₱25000 for a period of four months.

The lender will determine its own policies regarding loan provision and payment. The user agrees to the terms remotely directly on the lender’s website. You, as the borrower, may choose to accept or decline the terms offered in the loan agreement. Your agreement details the loan amount, currency, period of use for the funds, and your obligations.

Pera-ph.com cannot access your loan agreements. If you have questions regarding your loan agreement or repayment, contact your lender directly through the means of communications detailed on their website.

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Material Disclosure

Pera-ph.com matches loan offers to customers, acting as an intermediary between them and licensed financial institutions. Pera-ph.com is not a financial institution, bank, or lender. It is not responsible in any way for loan agreements or terms. All calculations are approximate. Please check the lending institution’s website for the relevant terms and conditions.

Repayment Periods and Interest Rates

The loans offered on this website through Fininity Ltd have a minimum repayment period of 120 days (four months) and a maximum of 180 days (six months). Our repayment periods are typically 120 days. Rates vary from 0% to 36%. Interest rates vary from lender to lender. Your situation and credit score will affect the rates offered to you.

Collection Process

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.

Consequences of Nonpayment

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

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.

Extensions

If you would like to extend your loan, you should contact your lender before missing a payment. Most lenders charge the same interest rate and commissions for another month on the total amount due. The loan may be renewed or extended automatically in the event of late or nonpayment. Additional interest and/or fees may be charged to your account. Please, think carefully before extending your loan, as doing so may substantially increase the amount you pay.
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