24 pera

The company is engaged in issuing microloans online.

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24 Pera Corporation https://upfinance.com/app/uploads/2019/06/24pera.png
52 Bayani Road, Fort Bonifacio Taguig City, Metro Manila, Philippines 1230
(02) 303 2424, info@24pera.com
Interest rate 30% - 360%
Loan tenure from 6 to 12 months
Approval duration Up to 1 hours
Min. monthly income ₱10000

About company

The online service 24pera.com helps to get loans online with the probability of approval of the application 97%. You can submit an application at any time of the day by filling out a form on the website indicating your personal information. The company is headquartered in Manila, Philippines. The company works with individuals, issuing loans in cash or transferring them to a card or bank account. The organization has several dozen offices throughout the country. 

How to get a loan

The borrower's application is processed within 10 minutes. The maximum loan amount is 100 000 pesos. Applications are approved regardless of the client’s credit history. The loan repayment period varies from 61 to 365 days. The client is informed about the positive decision via SMS messages. Money is given to citizens aged 18 and over with a Philippine ID card. To apply you need to fill out a form on the site. Money is transferred in one of the following ways:

  • Visa/Master Card;
  • Bank Transfer;
  • Puy Pal;
  • WeChat Puy.

You can get money by visiting one of the offices of a credit institution in the Philippines. To get money you need to specify the purpose of lending.

Benefits of the service

Service stands out with a number of benefits:

  • money is issued 24 hours a day;
  • the service works on holidays and weekends;
  • personal data of the borrowers are protected;
  • it’s possible to submit an application in any city of the Philippines, having Internet access;
  • the first loan is issued at 0%;

It is possible to extend the maturity without commission when paying interest, promptly notifying the manager until the last day. Zero interest rate will be available if the borrower repays the loan without arrear. 

Why you should choose this online service

You should choose this service for several reasons:

  • interest rate when obtaining a loan to a card is 17 – 31%;
  • the fine for arrear is only 0.10%;
  • the total amount of the fine for late payment does not exceed 10% of the loan amount;
  • almost all applications are approved;
  • convenient ways of loan repayment: bank transfer, card, cash.

A credit organization has a large number of offices in the largest cities of the Philippines. There are offices in all districts, including the main national highways and large commercial centers. To take a loan is enough to submit one document. You do not need to confirm income, as well as provide additional certificates. The overpayment on the loan is 365% per year, but this is not the final rate, since it can be reduced after personal communication with the client. It is recommended to receive money on the card, as this significantly reduces the interest rate.

Instructions for getting money

To get a loan, you need to use an online calculator and specify main loan parameters:

  1. Loan amount.
  2. Repayment terms.

The service will automatically calculate the amount of the overpayment on the loan, ensuring the maximum information content for the client. The user remains to specify the e-mail address, contact phone number and name, agreeing to the terms of the contract. By clicking on the button “Apply Now”, the borrower will be redirected to the page with the questionnaire, which indicates the main information to be processed by the service to make a decision on granting a loan:

  • name;
  • a document on the basis of which a citizen wants to take money: passport, driver's license;
  • contact phone number;
  • e-mail address;
  • residential address.

Having specified the main information, the borrower is redirected to the second page of the questionnaire, in which information is entered:

  • place of work;
  • information about two colleagues – names and phone numbers;
  • monthly income;
  • date of the next salary;
  • information about two relatives – names and phone numbers.

A completed application form is sent for processing, and the borrower receives a response within 10 minutes. 

Attention! If the application is not approved, then a retry is possible only after 30 days. However, this does not prohibit trying to get a loan in one of the company’s offices.

Ways of repayment

You can repay a loan with a credit card using your personal account on the service website. The user needs to log in and select the appropriate operation, specifying the data of the payment instrument. You need to wait for confirmation of the fact of payment, what happens after the change of status.

Attention! If you do not plan to repay the loan at the moment due to insufficient funds, the client can immediately extend the term by paying overdue interest.

Repayment through bank transfer is also possible from the user's personal account. It is necessary to use the password specified during the first registration of the loan and the phone number. Select the section "bank account" and specify the details of the transfer. The payment procedure is automatic. 

In order to repay the loan in cash, you need to come to one of the offices, after having printed a payment order on the site page. 

Offline offices of the credit organization

City   Region  Working hours
Manila   Calabarzon  8:00 – 21:00
Kalukan   Third district  9:00 – 21:00
Montalban   Calabrazon  8:30 – 21:30
Mandaluyong     Second district  8:00 – 21:00
Manila   First district  9:00 – 21:00
Las Pinas   Fourth district  8:00 – 21:00
Binyan   Calabrazon  8:00 – 21:00

Product Features

Min. financing amount ₱1000
Max. financing amount Up to ₱100000
Min. loan tenure 6 months
Max. loan tenure 12 months
Interest rate 30% - 360%
Approval duration Up to 1 hours
Debt consolidation Yes

Example of calculating interest and loan payments

TERM 6 months 7 months 8 months 9 months 12 months
LOAN AMOUNT ₱50000 ₱50000 ₱50000 ₱50000 ₱50000
FEE 30% 30% 30% 30% 30%
INTEREST AMOUNT ₱7500 ₱8750 ₱10000 ₱11250 ₱15000
TOTAL REPAYMENT ₱57500 ₱58750 ₱60000 ₱61250 ₱65000

Fees & Charges

One time setup
Processing fee no-fee
Stamp duty N/A
Disbursement & misc. fee N/A
Annual fee 365%
Other fees N/A
Penalties
Early settlement 0.1%, consumer credit 0.03%
Late payment charges 10%
Other penalties no information

Eligibility

Age requirement from 18 years old
Employment eligibility The Philippines citizens, valid ID, bank account, good credit history
Min. salary requirement ₱10000 gross per month
Guarantor / Collateral requirement No

Other Requirements

Need to open linked banked account? Yes
Other details -

FAQ

You need to follow the link and register on the company website. After registration you will be available credit limits

The loan can be received by any adult person who has a telephone and a document for identification.

There are many companies in the market that you can turn to, so we advise you to give preference to several organizations in order to be able to choose from several organizations.

Of course! But it has various consequences. But we by no means advise doing so.

Contacts

Full company name 24 Pera Corporation
Address 52 Bayani Road, Fort Bonifacio Taguig City, Metro Manila, Philippines 1230
Phone number (02) 303 2424
E-mail info@24pera.com
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User rating

Reviews

3 months ago

it is excellence with my review

it is from payment was amazing I felt assured and he was very informative on the process of my loan and very knowledgeable in regards to credit reporting, and put a peace of mind to my situation.. please acknowledge his excellence with my review