Pera Agad

Fees and Commissions

Our website, pera-agad.com, does not set any fees for using funds. The loan matching service operates with full integrity. We do not take any interest or fees. Our service is free of charge to use.

Your financial institution outlines the fees for late payments in your agreement. Lenders in the Philippines set their own interest rates and penalties for failure to pay.

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

The lender 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

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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