Pera Agad

About Us

Our platform 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 borrow a small amount for a short period.

Our loan matching services is 100% 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 offer funds and can’t guarantee that lenders will approve your loan.

Verified 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 payments to an account with an unknown organization. Lenders take a decision to provide loans only after they have received all of the applicant’s information.

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

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

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Intermediary Responsibilities Policy

We represent Fininity Ltd, which acts a credit broker. We are not a lender. pera-agad.com does not directly offer any type of loans or consumer loan products.

Maximum/Minimum Repayment Periods and Maximum Interest Rate

The loans offered on pera-agad.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

Most lenders will contant you through regular mail, email, or phone to change your payment terms. Failure to pay may result in interest accruals and/or increases and may affect your credit score. Continued failing to pay may result in the lender transferring your debt to a collection agency, which will lead to additional fees.

Default

If you cannot pay on time, each lender has their own policies on fees/interest and how they handle debt collection. Some lenders may explore legal options in the event of continued nonpayment. Most lenders will contact you by regular mail, email, or phone to change your payment terms. Failure to pay may result in interest accruals and/or increases and may affect your credit score. Please read through the fees section on the lender’s website before proceding to taking a loan.

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.

Extension Policy

pera-agad.com does not recommend extending your loan. If you feel that you cannot repay your loan on time, then we strongly suggest you not taking it and recommend that you seek independent financial advice. However, should you decide that an extension is necessary, please discuss this option with your lender. For more information about your lender’s process and policy regarding nonpayment, please review the terms in your loan agreement.

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