Pera4u - Fast Secure Loan Services

Pera4u is an online lending platform based on mobile information technology and big data analysis. We provide fast, simple, transparent and secure loan services for Filipinos.

Loan approval takes less than three minutes. Within an hour at the fastest, you can send cash to your bank account, coins, wallets, or the nearest Padala Center.


What do you need to do?
Download Pera4u applications
Fill in our Quick Loan Application in Pera4u Mobile Application
Upload a valid ID through our security system (three options: sss, umid, driver's license)
Verify your identity through our security system
Waiting for the result, cash is deposited directly into your bank account, coins, pH wallet or the nearest Padala Center.


How soon can you get the money?
At the earliest possible date on the day of borrowing, it can be dealt with by coins. The pH and Padala centers will soon get the money.
Or withdraw money from a local bank within 24 hours


How much can you borrow?
Pera4u will initially offer you a loan of 4,000 Philippine pesos.
* Cash in thousands of central locations in Padala, including Cebuana Lhuillier, Palawan Express, M Lhuillier, LBC, or cash in your own bank account, or coins. PH app


How long is your loan term?
Loan term :91 days - 120 days
The loan amount we here offer is at 3000 - 12,000 Philippine pesos. As for the actual loan amount, it can be adjust depending on your own need.
Flexible loan term option with interest starting from 1%.
Loan interest: up to 14%/year (APR)
For example, if loan amount is at 5000 Philippine pesos, then the repayment amount will be at 5700 Philippine pesos..


How to repay the loan?
Visit any 7-11, Cebuana Lhuillier, M Lhuillier or cash.
You can pay in full or in part at any time before the due date.
* Easy repayment plans enable you to pay in time.


Why use Pera4u?
Simple application and approval processes allow you to borrow money immediately
* Personal security passwords ensure maximum protection of your identity
Share Pera4u with friends and get a bonus for the next loan
Make the success stories of millions of Pera4u customers inspire your journey.


Any problems? Visit www.Pera4u.ph for our FAQ.
Are you ready to start? Download the Pera4u application and start applying for a loan now.



[Contact Us]
Business hours: Monday to Saturday 08:30-17:30
Operation time: 08:30-17:30, Monday to Saturday