HappyPera 2 – No Collateral, No Guarantor, 1 Valid ID Only!

Company Name: Royal Yohoo Lending Investors Corp.

  • Website: N/A
  • SEC Registration No. CS201906145
  • Contact Information: N/A
  • Email address: support@happypera.ph
  • Office Address: Antel Global Corp Center, Julia Vargas Ave, Ortigas Center, Pasig City, NCR, Philippines

HappyPera 2 Lending Highlights

HappyPera 2 provides help to Filipinos solve their financial problems.

If you are 18 years old and above with a stable income source, you can loan here.

HappyPera has a minimum to a maximum loan amount of P3000 – P12,000. Are you a first-time client? You can only borrow P1,000 – P3,000. Be sure to leave a good credit standing to loan a larger amount next loan.

They have a 3 – 4 months loan term with an interest rate of 14% per year.

Are you an iPhone user? Well, here’s good news. HappyPera2 is also available in IOS! 

No bank account? Not a problem! You can cash-out at these padala centers.

  • Gcash
  • Cebuana Lhuillier
  • M Lhuillier
  • LBC
  • Or your own bank account

To pay, you can visit any of the following:

  • 7-Eleven
  • Cebuana Lhuillier
  • M Lhuillier
  • Bank

Apply with these steps:

  • Download the HappyPera app on your phone.
  • Fill in the simple application information.
  • Fill in your Bank Card or cash withdrawal options.
  • Get your cash sent directly to Gcash, Bank Account.
3.5 / 5 Reviewer
{{ reviewsOverall }} / 5 Users (0 votes)
Pros
Fast, simple, and easy to apply and reliable. If you are in a hurry and want to loan instantly, then this app might help.
Cons
They have the worst agents who will harass clients, especially if the payment is delayed. So be sure to pay on time to avoid such a scenario. Also, their service fee might too big for you, so be sure to read their terms and conditions wisely. Are you a first-time client and looking for a big loan? Then this app is not for you because they have a credit limit for first-time borrowers.
Summary
HappyPera2 is okay. They have provided the service Filipinos needed, especially during the pandemic. If you need emergency cash, then HappyPera 2 can help since they provide fast service. But if you want to loan a higher amount, that might be hard since they have a credit limit, especially for first-time clients. One good thing here is that if you don't have a bank account, that is not a problem because they have other cash-out options. Be sure to pay on time to avoid harassment from collecting agents.
Loan Approval and Disbursement
Ease of Use
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Mayzelle Taze

Content Manager at Pinoy Moneys
Mayzelle Taze is the content manager at Pinoy Moneys. She specializes in writing posts for the loans category to keep our fellow Pinoy updated on loan opportunities.

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