Pera247 in the Philippines

The mobile application of credit products. Offers a unique opportunity – teaching clients basic financial literacy and management.

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only Internet
09219610721; 09273348368,
Interest rate 8% - 36.18%
Loan tenure from 1 to 6 months
Approval duration Up to 24 hours
Min. monthly income1

Company description Pera247

Pera247 is a convenient, fast and reliable online lender registered in the Philippines. The main and only activity is the provision of financial services in the form of a loan to millions of customers in Southeast Asia and the whole world. Works on the basis of the international company AsiaCredit.

The vision of the service is to attract people to the financial sector, to help people left without the support of banks. This is relevant to countries with a large number of poor citizens. For responsible people, the organization Pera247 is a reliable lender who issues loans for solving vital problems.

Instant loan

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Interest Rates:  36,18% per month
Minimum loan amount: 1 000 PHP
Maximum loan amount: 3 000 PHP
Payment terms: 10-90 days
Approval time: 1 hour

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eShopping loan

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Interest Rates:  8.6% per month
Minimum loan amount: 2 000 PHP
Maximum loan amount: 50 000 PHP
Payment terms: 6-11 months
Approval time: 1 hour

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Installment loan

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Interest Rates:  5,5% per month
Minimum loan amount: 2 000 PHP
Maximum loan amount: 20 000 PHP
Payment terms: 6 months
Approval time: 1 hour

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Loan Calculator

Monthly payment
₱ 888.49
Total overpayment
₱ 661.85
₱ 10661.85

How to get a loan

Loans are managed through the app. It is downloaded on Google Play or the iOS store. Getting a loan is very easy. To do this, you need to go to the top menu item Products and select a convenient tariff:

  • Shopa (for shopping);
  • Afforda (affordable);
  • Insta (instant).

Each of them offers its own conditions. The amount of the issued loan Shopa in the range of 5-50 thousand Philippine pesos. An online calculator is presented to the attention of the borrower. Using it, you can calculate the monthly payment and the full amount of the loan repayment. Shopa loan is issued for the purchase of goods from commercial partners of the service.

The user visits the specified outlet, selects the product, finds out the exact price. Next, an application is submitted from the Pera247 service app and a personal identifier is loaded (for example, a selfie photo). After approval of the application, you need to go back to the partner store, specify the mobile phone number, as well as the identifier used in the app. This is followed by payment of the advance payment, as well as the signing of a loan agreement.

Afforta loan is issued from 5 to 50 thousand Philippine pesos. The amount is divided into 6 monthly payments. Loan processing procedures are standard. The client needs to fill out a form, answer a few questions, and wait for approval of the application.

Insta loan is convenient for new borrowers. It involves the instant receipt of a loan from 2.5 to 15 thousand Philippine pesos. The payment term is 10-90 days. You can use the loan through the application process, answers to questions of the organization, as well as the loading of personal identifiers. In all cases, you need to pay attention that the loan agreement should be signed before it expires.

The site interface is organized so that the borrower’s operational activities take a minimum of time. Management tools, as well as setting up loan tariffication, are simple. Thanks to this approach, anyone can take a profitable loan for himself without any special technical knowledge. Also the website of the company contains a huge knowledge base. There, the user will find the answers to his questions and the service and credit conditions.

Why you should choose this company

People appreciate simplicity, convenience and efficiency. These are the principles that Pera247 follows. It serves as a guide between clients from different countries of the world and monetary freedom. Cooperation with the service is characterized by the following benefits:

  • convenient and fast;
  • digital information exchange;
  • transparency of transactions.

In just a few clicks of the buttons on the smartphone, the borrower receives a loan after approval of the application. This saves customers’ time and energy. There is no need to spend any more nerves on collecting documents, communicating with employees of the institution. The online calculator shows the full list of finances received by the consumer. At the same time there are no hidden schemes, as well as additional payments, which the client is not aware of in advance. The staff of the organization complies with quality standards, as well as ethical and professional standards. Pera247 exactly follows 6 global values:

  • mutual respect;
  • transparency of activity;
  • honesty;
  • convenience;
  • speed;
  • higher financial education of staff.

Loans are returned through the app on the smartphone. The client monitors the status of the loan in real time, takes into account the balance and calculates the time to return the full amount.

6 steps to get a loan

The client takes the following steps to get a loan from Pera247:

  1. client installation on a mobile device;
  2. tariff selection;
  3. filling in the requested information;
  4. identity verification;
  5. waiting for the approval of application;
  6. getting a loan.

Simplicity is a key factor. The developers had the task to create a simple service that issues loans to people without contacting banks. The availability of the necessary options, a flexible policy for issuing loans, the company’s attentiveness to its customers give an indication  that the presented task has been completed. Therefore, Pera247 is one of the most visited services in the world. This is evidenced by information statistics and customer reviews.

Product Features

Min. financing amount ₱1000
Max. financing amount Up to ₱30000
Min. loan tenure 1 months
Max. loan tenure 6 months
Interest rate 8% - 36.18%
Approval duration Up to 24 hours
Debt consolidation Yes

Example of calculating interest and loan payments

TERM 1 months 2 months 3 months 4 months 6 months
LOAN AMOUNT ₱15000 ₱15000 ₱15000 ₱15000 ₱15000
FEE 8% 8% 8% 8% 8%
INTEREST AMOUNT ₱100 ₱200 ₱300 ₱400 ₱600
TOTAL REPAYMENT ₱15100 ₱15200 ₱15300 ₱15400 ₱15600

Fees & Charges

One time setup
Processing fee PHP 250
Stamp duty N/A
Disbursement & misc. fee N/A
Annual fee N/A
Other fees N/A
Early settlement no information
Late payment charges no information
Other penalties no information

Other Requirements

Need to open linked banked account? Yes
Other details -


Yes, if you have approved an Insta loan you can get a cash loan and use it anywhere.

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You have 2 ways:
– bank transfer through partners
– cash through bank partners.

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No, you can repay the loan balance without penalties.

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The longest loan period is 6 months.

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Address only Internet
Phone number 09219610721; 09273348368
Social networks

Editor, copywriter of the site.

User rating


1 month ago


After system upgrade, your app is not accepting my password and been trying to get hold of you since the only option to do forget password is to contact you so I can log in, get my reference so I can do the payment. I have sent SEVERAL EMAILS and nobody has gotten back to me, it has been 3 days already :(

1 year ago

NIce! and easy

For the last time I needed a little help, I have been very comfortable doing business with Fig and have never felt alone or discouraged getting help and having the ability to relax that it is going to okay.

1 year ago

Thank You Pera>>>>

I’ve been doing business with Fig Loans off and on for the last two years. They’re always there when I’m in a crunch. Super easy application and approval process, Customer service is awesome and the turn around is super quick. 5 stars for sure

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