Pera Agad

Frequently Asked Questions

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

You can apply online with our simple form, and we will find a lender that will suit for you.

Is pera-agad.com free?

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

How much can I borrow?

Currently, the largest loan you can take through pera-agad.com is ₱ 25 000. However, that cap may increase in the future.

Who can get a loan through pera-agad.com?

If you want to apply, you must: 1. Be a legal citizen of the Philippines. 2. Be over 18 and under 80 years old. 3. Have a valid debit card or bank account. 4. Have a valid SSS or TIN or UMID card. 5. Have any form of income (official or unofficial). 6. Have a personal email address and mobile phone number.

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

Perfect credit histories are less common than you think. If you don’t have any open delinquencies, you will most likely get a loan.

Can I make payments on my loan ahead of schedule?

Yes, you can repay your loan at any point before it expires.

What should I do if I have trouble paying?

Contact your lender as soon as possible. They are often willing to work with you and offer the best solutions available.

When do I have to repay my loan?

Each lender has their own process and will send you all the information you need to make your payments. Repaying loans is simple and can often be done through direct transfer, by creditor debit card, or by depositing money to a specified bank account. You should follow the instructions your lender gives you and make payments on time to avoid additional charges.

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Intermediary Responsibilities Policy

pera-agad.com matches loan offers to customers, acting as an intermediary between them and licensed financial institutions. pera-agad.com is not a financial institution, bank, or lender. It is not responsible in any way for loan agreements or terms. All calculations are approximate. Please check the lending institution’s website for the relevant terms and conditions.

Repayment Periods and Interest Rates

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

pera-agad.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 Default

pera-agad.com always recommends repaying on time. If you cannot, each lender has their own policies on fees/interest and how they handle debt collection. Most lenders will contact you by regular mail, email, or phone to change your payment terms. Nonpayment may result in penalties and/or increased interest. We recommend that you contact your lender as soon as you know there is an issue; otherwise, your credit history may get affected.

Late Payments

Please contact your lender directly if you think that you cannot repay your loan on time. Lenders may be able to extend or renew your loan under the initial terms and conditions. Terms and late payment options vary by lender. Please note that late payments may result in additional fees or interest and may also negatively affect your credit score.

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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