pera247 – Fast, Convenient Loan 24/7

Registration no.: No.: CS201734339


Contact info.:


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4 / 5 Reviewer
{{ reviewsOverall }} / 5 Users (1 vote)
A legit and an active app, may maraming good reviews ang app na ito for being reliable and this app has a friendly feature, kaya hindi ka mahihirapan when it comes to applying and mabilis din ang approval process dito.
Besides the good reviews, there is also a lot of bad reviews sa app na ito, experience may differ from each other because even if other experience fast approval pero meron namang iba that experience delay of approval when it comes to loaning at pati na din sa pag re-reloan.
Ang loan application na ito ay may three (3) kinds or services or paraan nang pag lo-loan na may iba't ibang loan term and service fee, ito ay ang InstaLoan, AffordaLoan, at ang eShopaLoan

First, is the Instaloan which gives instant cash for new borrowers. The minimum to maximum loan amount sa service na ito ay P1,000.00-P15,000.00 at ang loan term ay makakapili ka mula 10 days to 90 days. There is also a service fee that depends on the amount you choose, you can check their website and choose the service Instaloan, at doon pwede mong e-enter ang amount na gusto mo para makita or malaman mo kung magkano ba ang service fee. The lowest fee is P50.00 and the highest is P750.00.

Second, is the Affordaloan which gives bigger loans at better rates for established borrowers or para sa mga mag re-reloan. The minimum to maximum loan amount sa service na ito ay P5,000.00-P30,000.00 at 6 months ang fix loan term nito. Since it is a reloan, hindi na kailangan nang ID. You just need to install this app to answer a few questions and to process your loan. Ang service fee ay depende sa pipiliin mong amount. You can also visit their website at piliin ang service na AffordaLoan and there you can adjust the amount at makikita sa right side kung magkano ba ang service fee and the total amount due. The lowest is P250.00 and the highest is P1,500.00.

Third, is the eShopaLoan where you can shop online at partner merchants and pay in installments. Ang minimum-maximum amount sa service na ito ay P2,500.00-P50,000.00 at downpayment na P500.00-P10,000.00. Makakapili ka nang loan term from 6 months to 11 months at ang service fee ay depende sa shop na pinagbilhan mo nang products. There maybe a difference between different partner merchants. At para mas maintindihan ito here is an example,
Juan De La Cruz purchases a TV on Lazada app through pera247 credit.
The total price of the TV (with shipping cost) is P5,000.
Down-payment: 20% (₱1,000)
Loan amount: ₱4,000
Processing fee: 5% (₱200)
Loan term: 6-months*
Monthly interest rate: 7%
Monthly payment: ₱881.14
Overpayment ₱1,265.11
Total Payment: P5,265.11

Interest rate for InstaLoan and AffordaLoan ay hindi nakasaad sa app descritption, they will explain it during transaction process. While the maximum APR for eShopaLoan is 64.3%.
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