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  • Who is Pera Po!?
    Pera Po! is a Philippines-based financial technology company focused on online consumer financing services for your everyday needs without any collateral requirements, complex approval procedures, or long waiting times. Pera Po! offers an innovative approach to consumer loan products, allowing us to adapt to your varying needs and serve you with strong business ethics and transparency. Pera Po! is a financial technology initiative and brand of Pera Po Lending Corporation.
  • Can you loan?
    Pera Po! currently offers personal loans services to customers: Between 22 to 60 years old. Borrower or Co-Borrower must be drawing an income from overseas (ie. OFW) Borrower or Co-Borrower must be currently employed or with a steady income Borrower and Co-Borrower must have a valid home address in Metro Manila and other select areas in the Philippines.
  • What are the costs?
    The loan terms typically include the following: Processing Fee: 15% (payable upfront or in advanced) Interest: Up to 12.5% per month Late Interest: Up to 15% per month Late Fee/Penalty: 10% per occurence per month Deferment Fee: 20% per occurence The finalised loan terms will be stated clearly in the loan contract.
  • How to Apply?
    Contact us on Messenger. We will guide you in completing the application information. Alternatively, Complete the online enquiry form. Please expect a message or call from us to work through your application. Check the email you registered. Make sure that you submit complete and clear copies of the document requirements so we can process your loan applications.
  • How do you know if loan is approved?
    Upon receiving your complete application and documentation, a review and assessment on your loan application will occur and the outcome will be sent to you through Messenger within 24 hours. Pera Po! takes pride in turning around all applications fairly and quickly.
  • Can you reloan?
    We thank you for continuing to trust us in providing you with your immediate financial needs. We welcome Repeat Loans. If you are a borrower with good payment standing at Pera Po!, we make it very easy for you to reloan. No need to re-apply online. Simply send us an e-mail and we will process your reloan within 1-2 working days.
  • How do you receive the loan?
    For a secured transaction, we only deposit approved loan proceeds to a bank account number under your name. Alternatively, you may authorised a third party ("Recipient") for cash pick up at Cebuana. We process release of your cash funds immediately after approval. We will send you a text message afterwards with instructions on how you can claim your money.
  • When do you repay the loan?
    We have included a section in your contract with details of your loan maturity and when you need to make your loan repayment. We advise paying on or before the due date/s in order not to incur any charges.
  • How can you make loan repayment?
    You may deposit directly into our bank account over the bank counter. Alternatively, you may also use one of the remittance centres in the country of your work. Please consider using online remittances where you can make payment right from anywhere, even from the comfort of your home! In Singapore, you can consider: 1. *DBS/Posb Remit* with top up at DBS/Posb bank account 2. *Singtel Dash* with top up at 7-11 in Singapore 3. *Iremitx* with top up at DBS ATM in Singapore In Philippines, you can go for *GCash* with top up at any convenience stores and banks in Philippines In Hong Kong, you can consider: 1. *Alipay HK* top up at any convenience stores 2. *Wechat HK* top up at any convenience stores 3. *Epay* top up at any convenience stores 4. *TNG Wallet* top up at any convenience stores

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