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Fees and Commissions

Our loan matching service, pera-agad.com does not set any interest rates for using funds. The loan matching service operates with full integrity. We do not take any interest or fees. Our services are completely free for you to use.

Your lender outlines the fees for late payments in your contract. Lenders in the Philippines set their own interest rates and penalties for late repayments.

It is important to note that all financial relationships are between you and your financial institution, not pera-agad.com. We are not a lender and never act as such. As a website, we only match borrowers and financial institutions by offering a selection of lenders that provide cash loans up to ₱25000 for a period of 120 days.

The financial institution will determine its own policies regarding loan provision and payment. The user agrees to the terms online directly on the lender’s website. You, as the borrower, may choose to accept or decline the terms offered in the loan agreement. Your agreement details the loan amount, currency, period of use for the funds, and your obligations.

pera-agad.com cannot access your loan agreements. If you have questions regarding your loan agreement or repayment, contact your financial institution directly through the means of communications detailed on their website.

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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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