Phili-pera-online

About Us

Our service is committed to providing you with offers that work for you, saving you time. It takes just five minutes to apply, and we can help you get funds for a short period, without any collateral or cosigners. You are welcome to use our service even if your credit history is not perfect. Loans up to ₱ 25000 are the best option for those looking to receive a small amount for a short period.

Our loan matching services is completely free for our customers. Everything is online, meaning that we never call users and do not require information or personal data. Please note, however, that we do not provide funds and can’t guarantee that lenders will respond positively.

Regulated lenders will never ask you for a commission or percentage before transferring the full amount of the loan to your card. Please be wary of messages or calls requesting you to transfer money to an account with an unknown organization. Lenders take a decision to provide loans only after they have received all of the borrower’s information.

People with poor credit histories, students, retirees, freelancers, and those between jobs can find loans on our service. The most important condition is that you have a regular source of income. The right to accept or refuse a loan is yours. Always. Please review the terms carefully and be sure that you understand your obligations to the lender before the receiving the money.

If you still have questions, you can reach us through the feedback form.

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Responsible Lending

phili-pera-online.com is not a lender, nor does it take any decisions regarding loans. phili-pera-online.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 phili-pera-online.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

phili-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

If you are unable to repay within the loan period, you need to contact your lender right away. Lenders may charge a fee for late payments, which averages about 0.03% of the amount owed for personal loans and credit cards. Please remember that you will likely incur additional fees if you pay late or not at all, which could add up. For more information about late payment fees, please contact your lender directly and be sure you have read the terms in your loan agreement.

Loan Extension Policy

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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