Pera Online

Useful Information

How does pera-online.com work?

Once you enter your information into the form, pera-online.com will start searching for lenders that meet your needs. If we find a match, you will be redirected to the lender’s website to review the offer. You do not have any obligation to accept any offer, and you can simply decline any that doesn’t work for you. Please be sure that you have fully read and understood the lender’s terms and conditions before accepting their offer. They will be displayed clearly before you can agree to proceed.

Is pera-online.com free?

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

What’s the most I can get?

Your individual circumstances will affect exactly how much you can borrow. The amount may differ from lender to lender, but it typically runs from ₱ 500 to ₱ 25 000.

What are your borrower requirements?

If you want to apply, you must: 1. Be a legal citizen of the Philippines. 2. Be over 18 and under 80 years old. 3. Have a valid debit card or bank account. 4. Have a valid SSS or TIN or UMID card. 5. Have any form of income (official or unofficial). 6. Have a personal email address and mobile phone 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?

Although repayment periods and terms vary, the type of product you apply for will matter when it comes to repaying your loan. Your loan agreement will give you detailed information regarding when payments start, how often and when they occur, and how long the repayment period lasts.

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Intermediary Responsibilities Policy

pera-online.com matches loan offers to customers, acting as an intermediary between them and licensed financial institutions. pera-online.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.

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-online.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

pera-online.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 repay on time, your lender may start the collection process as per the loan agreement. Your lender will often contact you to arrange an alternative repayment schedule. This could result in additional fees or interest. Lenders also have an option to file a lawsuit against you. Consider contacting your lender before missing a payment to find out what collection policy they have and discuss your repayment options.

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.

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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