Easy to apply
Approval time
No hidden condition
Renewal rules
Service quality
Customer support
Borrower requirements
  • You must be 22+
  • Reside in the Ph and have a valid ID
  • Provide proof of your income
  • Have an active checking account
  • Bank account
  • Credit or Debit card
Contact information
Phone number: +63 917 888 8888
Shedule 9:00 to 18:00

Pera4u Philippines offers swift and favourable financial services to clients to enable them to manage unexpected costs. Regardless of your financial circumstance is or the necessity for bucks you have, you will get over just about any financial issues. You simply need to make use of the right credit company that presents opportune conditions, and Pera4u lending is the best pick.

What is Pera4u

Pera4u Philippines loan is a fairly modern product on the Philippinesn financial segment. Such microfinance companies began to gain recognition solely a few years ago and have already come to be a good option to the ongoing options of lending.

When it comes to legislation, Pera4u loan is a legal institution that provides customers an opportunity of credit from their private money with the intention to carry out the profit. For the Filipinos, who have recently been residing in situations of an economic crisis and a continual growth in pricing, microcredit services have become comrades-in-arms and partners that might help you in almost any sudden circumstances.

Pera4u loans are perhaps one of the most robust solutions to poverty or almost any financial adversity.

Principles of Operating of the Pera4u Lending Money

The activity of Pera4u loans is based on handy and reasonable standards – it presents emergency financial assistance for a particular charge. Below you will find the key standards:

  • Access to open data. All the information is accessible to every single person on the formal business’ site. It is actually openly offered.
  • Firm’s see-through terms and conditions. There are not any additional expenditures or concealed commissions for services rendered in a legal finance firm. All the details of the agreements are accessible to clients to get familiar themselves therewith in the appropriate category or right before getting into a credit-related transaction.
  • Quick financial products. A prompt supply of financial services is just one of the prime advantages. In only a matter of moments, financial submissions are considered, accepted, and you gain swift funds on your profile.
  • Available to every person. Finance institutions open loan services to every single person as a way to get out of poverty or unpredicted financial expenses.
Loan parameters
  • Loan amount
    3.000 - 12.000 PHP
  • Interest rate
    0.13% per day
  • Term
    7 - 28 days
  • Age
    22 - 55 years

How is Pera4u Dissimilar to Banks?

First of all, Pera4u runs primarily via the web and isn’t geographically linked. It lets you arrange credits on the Internet, stay away from queues and the necessity to visit offices. There’s even the Pera4u app prepared for your handiness.

Secondly, it treats its clients with great understanding. It won’t ask difficult things, does not get in touch with the administration and family members. Those who once tried to obtain a bank credit can be pleasantly surprised by a different procedure to issuing funds via the Pera4u loan app.

Thirdly, the company provides rapid client services. The Pera4u spends just around 15 minutes disbursing money. There is no more need to gather heaps of documents for several weeks and wait a little for a determination for a few days.

Who Could Get a Pera4u?

Loyalty drives virtually every criterion of this MFI. It targets on people with all of its financial content. Even so, there are no specific requirements for social standing or age.

Grown customers will get the dollars they might need:

  • Legitimately employed;
  • pensioners;
  • college students.

In What Predicament Will Virtual Loan Assist You?

Listed below are the cases when it’s profitable to make use of the financial services of the Pera4u:

  • retard in wages and deficiency of money for day-to-day living expenses (such as fare, food, or medication);
  • sudden expenditures that incurred for the time of family vacation or duty travel
  • there’s an urgent necessity to repay any purchase or services;
  • your credit history is bad. The best way to restore your awful credit record is to periodically get loans from microfinance firms and reimburse them on time. Pera4u loan review study has demonstrated that they usually do not pay attention to the amount of money you may need or terms. Just make all your repayments on time.

Normally, such circumstances necessitate fast action, so a digital loan is a right option.

Positive aspects of Pera4u Loans Online

  • You receive the money you need that you can pay off in terms particularly if you are living paycheck to paycheck.
  • The brief period (up to 1 month) will allow you to close up the credit right after you obtain your wage.
  • Opportunity to manage bucks at your discernment. You will get the demanded amount to your personalized account and could certainly make use of the cash for any intent. This is equal to the online consumer credit card.
  • Clearness without stashed payments. With the help of a financial calculator, you can certainly check the rate of accumulated interest and the repayment date just before applying.
  • Beneficial loyalty system for clients. Occasionally you may be provided the first loan with a reduced interest rate. Due to this fact, you will never spend unwanted dollars on payment.
  • Around-the-clock customer support. Apply in the morning, mid-day, evening, weekend break, or holiday getaway. Your application will soon be considered and funds will be credited to you after you are accepted.

Stepwise Checklist to applying for Pera4u Online Loan

Make a submission using a lending calculator, choose the needed quantity and payment day of the lending, then click “Get Money”. You will straight away know the volume of interest. Should you have a promotional code, input it at this stage to get a lower rate.

Just before applying, read the regulations and the open public offer. Accept them and concur to the handling of personal data and the means to access credit records.

Complete the sign-up form. Add a banking card of any Filipinos banking institution. In step with the guidelines, go through the verification. Please Note: errors and fake details in the questionnaire can result in being rejected.

Hold out until you will be given a decision on your credit application.

Closely look over the credit contract in your account. Approve stipulations and sign the contract.

As soon as the contract is verified, the Pera4u will immediately forward the money to your profile. The company will additionally send the client a copy of the lending contract by email message, which he has given in his own profile.

Recommendations & Tips for Loanees

Really don’t set back payment until the last day. Your payment transmit might be delayed. If you don’t have the opportunity to reimburse the loan just in time, make use of the elongation service or shut part of the credit. It can indicate the interest might be added strictly to the actual outstanding balance.

Pera4u reviews

Luis Cruz
20 February 2024
An excellent option for those who urgently need money for a short period of time.
Angelo Reyes
14 December 2023
Thanks to this loan service, I was able to solve my financial difficulties instantly. Fast approval is what you need.
Lending Legend
14 March 2023
I've recommended them to several of my friends and family members. Their loans are affordable and they make the whole process really easy.
Flossie Hintz
16 January 2023
The first time I filled out an online application, it took 10 minutes and after 3 hours the money came to my account.
Brian Francisco
14 October 2022
I often use a loan, they always treat my situations well, in general I recommend it.
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Janet Halvorson
I use not the first time. Convenient conditions for obtaining an online loan. Friendly managers always resolve issues.
Dizon Masangkay
When there is not enough money to pay, then you have to apply for a loan. The site is very helpful in making a choice. Here you can find up-to-date information and get acquainted with the creditors of the Philippines
Mark Dizon
Clear work, very quick issue of money. The hotline has polite people who are ready to help you deal with the problem. Recommend.
Trevion O\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\'Reilly
You lend around the clock. The layout is transparent. I took out a regular loan with no collateral. Closes without problems.
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