Pera247 – loan
Online loans up to ₱15,000 available 24/7
Pera247 is no longer reachable. Their website does not respond. Please compare active alternatives below.
Pera247 is an online lending platform registered with the Securities and Exchange Commission (SEC) of the Philippines, offering fast and convenient cash loans ranging from ₱1,000 to ₱15,000. With approval in as little as 24 hours, it is designed for Filipinos who need quick access to funds without the lengthy paperwork required by traditional banks.
The application process is fully digital — you can apply anytime through the Pera247 website or mobile app using just your valid ID and basic personal information. Loan repayment terms range from 10 to 90 days, and funds are typically disbursed directly to your GCash wallet, Maya account, or bank account.
Pera247 is best suited for short-term financial needs such as emergency expenses, utility bills, or bridging a cash gap before your next payday. The interest rate starts at 8.30% per month. Borrowers who repay on time may qualify for higher loan amounts and better terms on subsequent loans, making Pera247 a practical option for building a borrowing track record.
Pera247 Status Update (October 2026)
As of this update, Pera247's website (pera247.com) does not load as a working lending platform, consistent with the notice above. The domain's security certificate no longer matches Pera247 and instead points to unrelated infrastructure, which is a common sign that a company has stopped renewing or managing its own domain. If you have an existing loan or account with Pera247 Lending Corporation, keep your own payment records and avoid entering personal or banking information on pera247.com in its current state.
About Pera247 Lending Corporation
Pera247 operated under the name Pera247 Lending Corporation and, like other SEC-regulated online lenders in the Philippines, previously offered short-term cash loans between ₱1,000 and ₱15,000 with approval in as little as 24 hours and an interest rate starting at 8.30% per month. We were not able to independently re-verify its current SEC certificate of authority as of this review, so treat the figures above as historical rather than confirmation that the company is still licensed and operating.
Active Alternatives to Pera247
If you were comparing Pera247 for a small same-day loan, consider other currently reachable lenders such as Cashalo, Digido, JuanHand or Home Credit. You can also browse all quick cash loans in the Philippines or emergency loan options.
✓ Pros
- Small loan amounts starting from ₱1,000 – ideal for short-term needs
- Fast same-day approval (24 hours)
- Fixed interest rate makes repayment planning straightforward
- Fully digital application – no branch visit required
✗ Cons
- Lower maximum loan amount may not cover larger expenses
- Short loan terms may result in higher monthly payments
- Interest rates higher than traditional bank loans
Loan example
Example: Borrow ₱8,000 for 12 months at 8.30% per month = approx. ₱1,078.12 monthly payment. Total repayable: ₱12,937.43.
Loan requirements
- ✓ Valid government-issued ID (SSS, GSIS, PhilHealth, driver's license, or passport)
- ✓ Active mobile phone number registered in your name
- ✓ Active bank account or e-wallet (GCash or Maya) for loan disbursement
- ✓ Age requirement: 21-60 years old
Loan features
- Loan amounts: ₱1,000 to ₱15,000
- Repayment term: 10 to 90 months
- Approval time: 24 hours
- Funds disbursed via GCash, Maya, or bank transfer
- Application available 24/7 through app or website