Frequently Asked Questions

How does phili-pera-online.com work?

All you need to do is determine the amount you want to request and fill out a short online form. We will find a lender for you, who will send you an online loan agreement if you are eligible. Sometimes, lenders require a background check to verify your employment information or salary. If you agree to their offer, they will transfer money directly to your credit card or bank account.

Is phili-pera-online.com free?

You will NEVER have to pay for our services. phili-pera-online.com is 100% free.

How much can I get?

Most of our lenders agree to lend ₱ 500 to ₱ 25 000.

What kind of identification do I need?

Each institution has its own borrower requirements. Overall, you must be a citizen of the Philippines over the age of 18 with a valid SSS, TIN, or UMID card; you must also have a source of income and be able to provide a valid debit card or bank account number.

I have a poor credit history. Can I apply?

Our lenders strive to serve all customers, no matter their history or circumstances. They will consider your ability to make payments along with your credit history.

Can I make payments on my loan ahead of schedule?

Yes, you can repay your loan at any time. The sooner you pay it off, the less you will pay in interest. The interest accrues only for those days that you actually used the loan. You can make payments ahead of time and pay only for the days you actually used the borrowed funds.

What should I do if I have trouble paying?

If you are unable to repay your loan, this means you cannot perform your loan obligations. Late payments or delinquencies may negatively affect your ability to borrow any money. Please reach out to your lender immediately if you think you cannot pay on time.

How do I pay my loan back?

Only your lender can give you any specific information regarding your loans, including the dates and times for repayment. Repayment periods may vary. Please contact your lender to ask about your loan terms.