Fast Pera

Frequently Asked Questions

How does fastpera.com work?

All you need to do is determine the amount you want to request and fill out a short online form. We will find a lender for you, who will send you an online loan agreement if you are eligible. Sometimes, lenders require a background check to verify your employment information or salary. If you agree to their offer, they will transfer money directly to your credit card or bank account.

Is fastpera.com free?

Yes, finding loan offers with fastpera.com is totally free.

How much can I borrow?

Currently, the largest loan you can take through fastpera.com is ₱ 25 000. However, that cap may increase in the future.

Who can get a loan through fastpera.com?

Each institution has its own borrower requirements. Overall, you must be a citizen of the Philippines over the age of 18 with a valid SSS, TIN, or UMID card; you must also have a source of income and be able to provide a valid debit card or bank account number.

I have a poor credit history. Can I apply?

Most loan products available through fastpera.com are designed to help people, even those with credit history problems. The lenders we work with generally look for your ability to repay in the future and not just your history.

Can I make payments on my loan ahead of schedule?

Absolutely! In fact, that is exactly what we recommend. The longer you wait to pay off your loan, the more you will pay.

What if I cannot repay my loan?

Contact your lender as soon as possible. They are often willing to work with you and offer the best solutions available.

How do I repay?

Each lender has their own process and will send you all the information you need to make your payments. Repaying loans is simple and can often be done through direct transfer, by creditor debit card, or by depositing money to a specified bank account. You should follow the instructions your lender gives you and make payments on time to avoid additional charges.

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Intermediary Responsibilities Policy

fastpera.com matches loan offers to customers, acting as an intermediary between them and licensed financial institutions. fastpera.com is not a financial institution, bank, or lender. It is not responsible in any way for loan agreements or terms. All calculations are approximate. Please check the lending institution’s website for the relevant terms and conditions.

Maximum/Minimum Repayment Periods and Maximum Interest Rate

The loans offered on this website through Fininity Ltd have a minimum repayment period of 120 days (four months) and a maximum of 180 days (six months). Our repayment periods are typically 120 days. Rates vary from 0% to 36%. Interest rates vary from lender to lender. Your situation and credit score will affect the rates offered to you.

Collection Process

Most lenders will contant you through regular mail, email, or phone to change your payment terms. Failure to pay may result in interest accruals and/or increases and may affect your credit score. Continued failing to pay may result in the lender transferring your debt to a collection agency, which will lead to additional fees.

Default

If you cannot repay on time, your lender may start the collection process as per the loan agreement. Your lender will often contact you to arrange an alternative repayment schedule. This could result in additional fees or interest. Lenders also have an option to file a lawsuit against you. Consider contacting your lender before missing a payment to find out what collection policy they have and discuss your repayment options.

Late Payments

If you think you won’t be able to make a payment on time, then it is important to contact your lender beforehand. Your lender may offer to extend or renew your loan. Keep in mind, however, that this will accrue additional interest. Your lender may charge a fee for late payments. The amount is determined by the lender, so please read the loan terms before agreeing. Late payments may also negatively affect your credit score.

Extension Policy

fastpera.com does not recommend extending your loan. If you feel that you cannot repay your loan on time, then we strongly suggest you not taking it and recommend that you seek independent financial advice. However, should you decide that an extension is necessary, please discuss this option with your lender. For more information about your lender’s process and policy regarding nonpayment, please review the terms in your loan agreement.
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