pera247 is a mobile app that offers credit products for honest & hardworking Filipinos. You can borrow to fund your purchase or get money up to ₱30,000!
Choose a Loan that’s perfect for you!
InstaLoan – Instant cash for new borrowers
AffordaLoan – Bigger loans at better rates for established borrowers.
eShopaLoan – Shop online at partner merchants and pay in installments!
Why Choose Us?
FAST AND SIMPLE All it takes are a few taps on your smartphone and money will be sent immediately once approved. Only 1 valid ID and selfie required!
DIGITAL END-TO-END Your application will be fully digital. No documents or face-to-face interaction is needed for a fast and convenient process.
TRANSPARENT AND RESPONSIBLE We will show you the full cost of your loan with no hidden charges. We will clearly explain when and how to repay, even reminding you along the way. We will also encourage and educate you on responsible borrowing and financial planning and management. pera247 is always compliant with the Philippines Truth in Lending Act (RA 3765).
SAFE & SECURE DATA PRIVACY Data privacy is very important to us and there are several ways that pera247 ensures the privacy and security of the information and documents that you share.
SHARE AND EARN Share your promo code earn credits when your family and friends get their first loan.
What makes pera247 the best online loan in the Philippines?
✓No Bank Account Necessary
✓No Paper Application Requirements
✓No Face-To-Face Meeting Required
eShopaLoan Sample Calculation:
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
Total Payment: P5,265.11**
*eShopaLoan minimum repayment period is 180 days and maximum is 330 days.
**eShopaLoan maximum effective APR is at 64.3%
pera247 Lending Corporation is a duly registered lending company under SEC (SEC Registration No.: CS201734339 with Certificate of Authority (to operate as a lending company) No.: 2582).
pera247 Lending Corporation adheres to the strictest of standards in responsible lending as governed by its board of directors, including compliance with: 1) registration and certification with the National Data Privacy Commission (No.: PIC-001-172-2019); 2) Truth-in-Lending Act; 3) Fair Collection Practices; 4) Anti-Money Laundering; and 5) membership in Fintech Protects Community of Practice by The Smart Campaign, an initiative of the Center for Financial Inclusion (CFI) at Accion.