Pera Agad

FAQs

How do I apply for an interest-free loan through pera-agad.com?

Once you enter your information into the form, pera-agad.com will start searching for lenders that meet your needs. If we find a match, you will be redirected to the lender’s website to review the offer. You do not have any obligation to accept any offer, and you can simply decline any that doesn’t work for you. Please be sure that you have fully read and understood the lender’s terms and conditions before accepting their offer. They will be displayed clearly before you can agree to proceed.

Is it true that pera-agad.com is totally free? Do you charge anything to use your website?

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

How much can I get?

pera-agad.com finds and compares loan offers from the best lenders in the Philippines. Our partners offer loans ranging from ₱ 500 to ₱ 25 000 with a variety of repayment options.

What kind of requirements is there to apply for a loan online?

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’ve got a few blemishes in my credit history. Can I apply?

Most loan products available through pera-agad.com are designed to help people, even those with credit history problems. The lenders we work with generally look for your ability to repay in the future and not just your history.

Can I pay off my loan early?

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’re having trouble repaying your loan on time or your financial situation has changed, we recommend you contacting your lender directly.

How should I repay what I owe?

Although repayment periods and terms vary, the type of product you apply for will matter when it comes to repaying your loan. Your loan agreement will give you detailed information regarding when payments start, how often and when they occur, and how long the repayment period lasts.

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Responsible Lending 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 Process

Please contact the lender directly if you are having trouble repaying. They will be able to discuss payment options with you. The lender reserves the right to give your information to a third-party collection agency, should the situation remain unresolved.

Default

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.

Extensions

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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