Pay Your Lazada Purchases Later With Paylater

Admit it. With what is happening in the world today, you can’t help but stay at home to protect yourself against tons of viruses. Unfortunately, there are things that need to be done and items you need to buy for you and your family.

Good thing there’s Lazada. It offers a wide-range of items for your personal and family’s needs.

But what if you don’t have extra cash to spare? Not to worry because Lazada partnered with several online cash lenders to help customers like you pay for your purchased items in an installment basis. The best part is that you don’t need a credit card for that.

One of these partner lenders is Paylater. 

Keep reading to know more about Paylater, plus a step-by-step procedure on how to apply for a loan with this merchant.

Who is Paylater? 

Most of Lazada’s partner lenders have other products aside from their Buy Now, Pay Later scheme. Paylater is different. In fact, it is specifically designed to provide online loan facility wherein the proceeds will be directly credited to your Lazada e-wallet.

The good thing about this facility is that it is easy to use and straightforward.

Why Paylater? 

  • Specifically dedicated to Lazada
  • You can borrow up to 10,000 Lazada wallet credits
  • Convenient way to shop since the amount will be credited directly on your e-wallet.
  • Payable within 15 days to maximum of two months.

How to Apply with Paylater

Step 1: Visit the Paylater website. You may also click this link.

Step 2: On the homepage, enter your mobile number and email address registered with Lazada. Click the drop-down button to choose how much you need to borrow.

Step 3: On the next window, assign your Paylater password. Then tick the box indicating that you read and accepted Paylater’s Terms and Conditions and Data Privacy Policy. Click Agree and Continue. 

Step 4: Enter the six-digit verification code sent in your email and mobile number. Then click Verify Account.

Step 5: Once you verified your account, submit the required information and upload the necessary documents. This helps Paylater representatives verify your identity as a borrower.

Step 6: Wait for your approval. Once approved, the amount will be credited to your Lazada e-wallet. Then, you can start your online shopping.

Tips to Remember When Applying for Paylater:

  • Make sure you already have a Lazada account. If none, then sign up with a Lazada and then apply for a loan with Paylater.
  • Provide the necessary information needed. Keep in mind that Paylater representatives need to verify your identity so they could check if you are capable to pay.
  • Only borrow what you need. As much as you want to shop, there are interests and other fees that comes with it. Make sure you can pay for those expenses as well.

Are you ready to go shopping?

Get To Know Atome, Your Newest Lazada Shopping Partner

There will come a time when you suddenly need a new phone or items that you can only buy overseas. You might also want to take advantage of online sales because who doesn’t want Buy 1, Take 1 on diapers, right?

Here’s the issue: money. Even if you need something, you can’t readily buy it if you don’t have sufficient funds.

Lucky for you, there are platforms that allows you to borrow money and credit the amount to your Lazada wallet. This includes Atome. 

Stick around and learn everything you need to know about this online cash lender, including how to apply for a loan to cover for your Lazada purchases.

Who is Atome? 

Atome is among the many online cash loan providers in the market today. Its aim is to improve financial inclusion in the Philippines, thereby giving access to products and services to thousands of unbanked Filipinos.

Its primary mission is to maximize the use of technology, through the use of data-driven, human-centered technologies, to be able to create accessible financial services to many Filipinos.

Aside from cash loans, it also offers shopping installment products.

Atome is registered with the SEC under NeuronCredit Financing Company Inc. It is a subsidiary of NeuronCredit Pte Ltd from Singapore.

Why Atome? 

  • One of Lazada’s loan partners with fastest approval. According to reviews, you could get an approval within one hour or even less.

How to Apply for a Loan:

Step 1: Download the app from Google Play Store. As of this writing, Atome is available to Android users only.

Step 2: Open the app and click Register / Login. 

Step 3: Register your mobile number. A four-digit confirmation code will be sent to your number. Then, input the code.

Step 4: On the main page, click Cash and then, click Claim Now. 

Step 5: Use the plus and minues keys to input the amount you wish to borrow. For first-time borrowers, you are only limited to maximum of P2,000 with a repayment plan of 14 days. To increase your credit limit, make sure you pay your loan in full and on time.

Step 6: Choose the ID you want to register. Atome allows UMID, SSS, Voter’s ID, Passport, Driver’s License, PRC ID, and TIN ID. Then click Next.

Step 7: Take a photo of your ID. Make sure that the photo is clear and readable. This increases your chances of approval as well.

Step 8: Fill out the registration form. It is important that you provide truthful information about yourself.

Step 9: Take a clear photo of yourself with your ID. This is important because Atome representatives need to know that the applicant actually exists.

Step 10: Set your loan amount and duration.

Step 11: Choose your preferred disbursement channel. Atome allows bank transfer and pick up at Cebuana branches. Since you will be using the money to pay for Lazada purchases, choose the Buy Now, Pay Later method wherein the amount will be topped up to your Lazada e-wallet.

Tips to Remember When Applying for a Loan with Atome: 

  • Activate your Lazada e-wallet. This is where the approved loan amount will be credited.
  • Only apply for a loan when needed.
  • Make sure to pay your loan on time and in full.
  • The mobile number you used to register with Atome must be similar to the ones you have with Lazada.

Platforms like Atome does make everyone’s lives convenient, especially when you are in need of something. Still, don’t abuse it. Only borrow what is necessary and don’t easily give in to products you don’t need.

Borrow With PondoPeso And Shop In Lazada

Fin-tech platforms are popular these days. It makes not just borrowing money but also shopping easier and more convenient. Speaking of shopping, did you know that Lazada partnered with several online cash lenders to provide customers like you a competitive financing option? This gives people an alternative mode of paying for their purchases. Among these lenders include PondoPeso. Here’s everything you need to know about PondoPeso and find out how you can apply for a loan that will be credited directly to your Lazada wallet. Who is PondoPeso? PondoPeso is among the fin-tech companies operating in the Philippines today. It offers financial mobility to provide Filipinos access to funds, whenever, whatever. PondoPeso takes pride in operating based on mobile Internet security technology and big data analysis innovation. Unlike other online lending platforms, PondoPeso have minimal requirements such as being a Filipino and 18 years of age. It operates under Fynamics Lending Inc. and registered with the SEC as per their website. Why PondoPeso?
  • Minimal requirements upon application
  • Highest credit limit, thereby allowing you to borrow up to P50,000 on your first application
  • Easy and convenient registration since everything happens online and in your mobile phone.
  • Loan term is based on the information you submitted, although it usually starts at 14 days. This means the earlier and faster you repay, the longer the loan term will be.
How to Apply for a Loan with PondoPeso
  1. Download the app at Google Play Store. Unfortunately for Apple users, PondoPeso app is only available to Android users.
  2. Open the app and click Confirm.
  3. Register your mobile number. You will get a code via SMS for confirmation.
  4. Set your password.
  5. In the next window, click I want to borrow. Then click Continue applying for a loan.
  6. Make sure you click Allow to let PondoPeso access your contacts, pictures, and location.
  7. Fill out the online application form. Make sure to enter truthful information about your location, housing status, educational attainment, monthly income, and credit card among others.
  8. Click Next after completing every information.
  9. Once you completed filling out the application form, PondoPeso representatives will review your loan application. The review of your application usually takes 24 hours or one day.
  10. If approved, the loan will be credited to your bank account, GCash account, or account. Since you will be using the money to shop in Lazada, the approved amount may be credited to your Lazada wallet.
Tips in Applying with PondoPeso
  • Make sure that your phone and email with PondoPeso is similar to the phone and email you used when you registered with Lazada.
  • Activate your Lazada wallet before applying for a loan with PondoPeso. This way, you are assured that the money will be credit to your wallet, which you can use for shopping.
  • Provide clear and visible ID pictures. This is needed to verify your identity as a borrower.
  • Ensure that your personal information is complete. This increases your chances of getting approved for a higher credit.
PondoPeso is a great option, especially if you need higher credit limit. Give it a try now and making shopping with Lazada easier and more convenient.

Start Your Lazada Shopping With The Help Of TendoPay

10.10, 11.11, 12.12 – these are only some of the many instances when Lazada will hold a sale. Since you’re in tipid mode and the diaper sale is really tempting, you want to take advantage of the sale, you gave in.

Here’s the catch: you don’t have enough cash to pay for all your purchases.

Thankfully, Lazada now offers Lazada Loans, a Buy Now, Pay Later scheme that allows you to buy and pay for your items in installment basis. The company partnered with several loan providers including TendoPay.

What is TendoPay?

TendoPay is an installment plan solution offered to buyers like you that allows you to buy your desired items and pay for those items at a later time. You can pay said purchases within two to 24 months, depending on the amount.

The good thing is that there is no need for bank account or credit card. All you need to do is to fill out the online application form and wait for approval.

Why TendoPay?

  • Loan amount of P3,000 to P30,000 – and may be increased depending on your frequency of borrowing
  • Longer installment term for up to 24 hours
  • There is no need for credit card or bank account to apply for a loan
  • Minimum documentary requirements
  • No upfront fees
  • It is available nationwide
  • Several payment options available for easier repayment including 7/11, SM payment counters, LBC, Bayad Center, and GCash

How To Apply For a Loan With TendoPay

In case you’re interested, here’s the step-by-step procedure on how to apply with TendoPay:

Step 1: Satisfy the requirements.

Before you shop in Lazada, you need to qualify first with the minimum requirements. This includes:

  • At least 18 years old and above
  • Has two official IDs such as Driver’s License, SSS ID, Passport, PRC, and UMID
  • Has valid email address
  • Active mobile number
  • Billing statement that will serve as your proof of address

Step 2: Create an account.

On the website, click Sign Up. You can either create your account by filling out the information needed OR you may use your Facebook account.

Don’t forget to tick the box that says “I accept the Terms and Conditions” and then click Create Account.

Step 3: Verify your identity.

Further information will be needed by TendoPay so they could better evaluate your application. You will be asked to:

  • Upload clear photo of your IDs
  • Upload clear photo of your billing statement
  • Selfie while holding your primary ID
  • Upload clear photo of your proof of income such as payslip or Certificate of Employment that is not older than two months
  • Answer questions so that TendoPay will get to know you better

Step 4: Wait for approval.

As per TendoPay’s website, processing will only take one day. Once approved, you will be notified by TendoPay representatives and the approved amount will be credited to your Lazada wallet. You can use the said amount to start shopping.

Tips To Remember Before Getting a Loan

  • Make sure that the minimal requirements are complied with.
  • Take note of the amount you borrowed as well as the deadline. Non-payment means your account will be blocked and you might not be able to borrow again until you are able to repay your loan.
  • Borrow only what you need. You don’t have to aim approval for the maximum amount if you will have a hard time paying for it.

What do you think of TendoPay? Sounds convenient, don’t you think?

Buy Now, Pay Later: Get To Know The New Trend In Online Shopping

Imagine this: your five-year old phone decided to give up on you and you badly need a new one. Or it’s your wedding anniversary in three days and you couldn’t leave your house because, well, responsibilities. What do you do?

Two words: online shopping.

Here’s the thing: shopping online doesn’t mean you are exempted from paying. In fact, you are required to pay before your order is processed – unless you opted for cash on delivery.

Thankfully, there’s a “buy now, pay later” scheme that allows you to shop online and pay in installment basis.

What is Buy Now, Pay Later scheme?

This payment scheme lets you delay payment from one to 24 months, depending on how much you spend, interest included.

You can borrow for as low as P2,000 up to a maximum of P50,000. Interest may be as low as 3.49 percent with approval as quick as one minute upon submission.

For instance, you can divide your P10,000 bill into three equal installments, thereby giving you more time to save and eventually pay for your bill. Still, take note that you will have to pay for the interest, which means your P10,000 worth of purchase will be increased by the end of the term.

Can You Avail Of This Scheme Online?

The good news is yes. In fact, many online installment companies partnered with Lazada (as of this writing) to allow you to pay for your purchases later. Plus, you don’t need to have a credit card or bank account to qualify for this scheme.

Having this financing option allows buyers to make purchases and be able to pay for it at the most convenient time. This will also allow you to stretch your money as you enjoy the items you bought.

Some of these companies that offer this scheme includes:

  • BillEase
  • TendoPay
  • Hey Jungle
  • Cashalo
  • Pera247
  • PondoPeso
  • Atome
  • PeraJet
  • Paylater

These companies will be discussed in detail in succeeding posts.

How Does It Work?

Availing of this scheme is easy. All you need to do are:

  1. Apply first with your preferred Lazada loan provider. Details as to how will be discussed in detail in succeeding posts.
  2. Once approved, you will receive your funds in your Lazada Wallet.
  3. Start shopping in Lazada.
  4. Use the funds as payment upon checkout. You might also have to pay for a certain amount depending on the approved loan.
  5. Wait for your items to be delivered at your doorstep.

Tips To Remember Before You Use BNPL Scheme

  • Cash out as much as you can. This could reduce the amount to be paid, which means you get to pay lower interest, too.
  • Always pay the required amount on time. Otherwise, you might incur penalty fee, which you must avoid at all costs. Plus, this could affect your future application with installment companies.
  • Aim for a shorter installment term. In fact, the longer the term, the more you’ll pay.
  • Buy only what is necessary. In fact, having this scheme does not give you a license to buy whatever you like. Stick to what you need only so you won’t have a hard time paying for your purchases.

Having the BNPL scheme is a good payment alternative, especially for those who don’t have sufficient cash on hand but badly needs a specific item. Still, only use this option only when needed and not to fulfill capriciousness.

Get To Know Cashalo A Little Bit Better

You might experience financial difficulty or short in cash at one point in your life. When that happens, who do you turn to for help when your family or friends have nothing to lend to you?

Your next solution: online cash loan.

This is where Cashalo comes in.

Who is Cashalo? 

Cashalo is a fintech platform that delivers credit to Filipinos digitally. Through digital credit, they are able to help every Filipino’s financial well-being.

All you need to do is to download the app on Google Play Store (for Android users) or App Store (for Apple users) and you are good to go.

What products do they offer?

Cashalo offers the following financial products:


If you need quick cash, then this facility is perfect for you.

Cashalo’s Cashaloan allows you to borrow up to P6,500 and payable between 15 and 45 days. Take note that they charge processing fee of five percent based on your loan amount and interest rate starts at 6.95 percent.

Keep in mind that when applying for a loan with Cashalo, you need to install and register from the app. Check out this post for a step-by-step procedure on how to apply for a Cashaloan.


Who doesn’t want shopping? Surely, you will feel the itch to buy something new, whether it’s new shoes, new clothes to wear, or even items you don’t really need but you just found cute.

Apparently, shopping means you need to spend money and in case you lack a few thousands, Cashalo could help through its Cashacart facility.

Cashacart is the first basket financing in the Philippines. It allows you to shop in any of Cashalo’s partner stores (including Robinson’s Department Stores, Huawei, and Oppo among others) and pay in installment basis.

This allows you to make purchases, especially for items you really need, and at the same time, extend the life of your cash on hand without worrying about interest.

Pay with Cashalo

What do you use to pay for bigger purchases? Usually, having a credit is more feasible and convenient since you don’t have to bring cold cash with you.

What if you don’t have a credit card but you are interested in booking a hotel room or buying airline tickets during seat sale?

Cashalo could help you with that. Through its Pay With Cashalo facility, you can purchase items of any kind online from any of the company’s partner merchants. The best part is that you don’t have to worry about credit card.

Similar to the Cashaloan, this facility requires you to log-in to the app to apply. Simply choose “Pay with Cashalo” on the app.

As of this writing, Cashalo partnered with Cebu Pacific, thereby allowing you to book tickets under the airline company for up to P7,000 and 5.95 percent interest rate. The facility is also limited to domestic flights.

Make sure you applied first before booking the tickets to ensure that the amount is covered.

Have you tried any of these Cashalo services? How was it? Share your experiences below on the comments section.

Home Credit Payment Guidelines

Who comes to your mind when you hear about online cash loan? Surely, there are tons. After all, there are many cash loan providers available in the market, including Home Credit.

Despite the not-so-good Home Credit cash loan reviews, there are still many who turn to this lender in case of emergency or an upgrade. Apparently, every successful loan means you need to pay for it as well.

Here’s everything you need to know about paying your loan with Home Credit.

How And Where To Pay 

Through ECPay

This payment method is recommended because of its real-time posting. This means once you made a payment, it will be reflected in Home Credit system immediately. What you need to do is to fill out the Payment Transaction Form with the following details:

  • Biller Name: Home Credit
  • Date of Payment
  • Contract Number
  • Account name
  • Amount to be paid

Below are the establishments that have ECPay facility:

  • GCash
  • 7-Eleven
  • CVM
  • Malayan Bank
  • Gaisano Malls
  • Metro stores
  • Marikina Shoe Exchange
  • Natasha
  • RD Pawnshop
  • H Lhuillier
  • Shopwise
  • True Money
  • Puregold

Through Bayad Center

This is another alternative and recommended method because of real-time posting. All you need to do is to fill out the Payment Transaction Form with Home Credit as the biller.

You can find Bayad Center in the following areas:

  • Robinson’s
  • e-Biz
  • LBC
  • Prime Asia Pawnshop
  • USSC
  • PetNet
  • PHLPost
  • Villarica Pawnshop

Aside from these payment channels, you can also pay your loan through:

  • MLhuillier, with additional P15.00 transaction fee
  • Cebuana Lhuillier
  • RCBC, either through bank deposit or online. If you opt for online payment, choose “HG Consumer Finance Philippines Inc.” as the biller. Unlike other authorized payment centers, RCBC does not charge transaction fee.
  • SM Malls with Home Credit as the Biller Company. Unfortunately, payment is not in real-time, which means it may take days before payment will reflect on Home Credit system. There is also a transaction fee amounting to P13.00

Now that you know how and where to pay, it’s time to familiarize yourself with Home Credit’s payment guidelines.

  • Take note of your Loan Account Number. You will use this when paying for your loan.
  • Only cash payment is allowed.
  • Make sure you pay at least three days before the due date. This way, there is enough time for your payment to reflect on the Home Credit system. Keep in mind that it takes 48 hours to process your payment, so the earlier you pay, the better.
  • Keep your payment receipt/s. This will serve as proof that payment was made in case someone from Home Credit will demand payment.
  • Always check My Payments in the Home Credit app. This will show any outstanding amount as well as payment schedule of your loan.
  • Auto-debit arrangement is allowed. This means instead of going and paying thru any of the authorized payment centers, Home Credit will simply deduct the amount due from your account. As of this writing, this arrangement is available to BPI, BDO, Metrobank, Security Bank, and RCBC.
  • A minimum of P200 penalty fee will be charged in case of late payment. Keep in mind that the fee will be added separately on top of your unpaid installment.

The bottom line is this: when you apply for a loan, regardless of the lender, always make it a habit to pay earlier than the due date. Keep your transaction receipts for proof to avoid being “harassed” by lender’s representatives.

Atome (Formerly Kredit Pintar): Your Online Financial Service Provider

Here’s a simple task for you: go to Google and type “online cash loan” on the search bar. What do you see? Tons of online cash providers, right?

Apparently, online cash lenders are proliferating these days for variety of reasons. In line with that, there’s another one worth checking: Atome. 

Who is Atome? 

Formerly known as Kredit Pintar, Atome is a financial technology company that aims to provide Filipinos, especially unbanked ones, an access to credit. It is the brand of Neuroncredit Pte Ltd, a Singapore-based company that uses artificial intelligence to be able to provide better and faster services to users.

In late 2018, Neuroncredit Pte Ltd brought their brand to the Philippines under the name Kredit Pintar. Less than a year later, it was rebranded into Atome, but still with the same vision of providing access to credit to millions of unbanked Filipinos and encourage financial inclusion in the country.

How to Apply with Atome 

First, take note that the company only offers maximum of P10,000 and payable in three months. If you need an amount higher than that, then Atome might not be of help.

On the other hand, here’s a step-by-step guide on how to apply with Atome:

Step 1: Download the Atome app on Google Play Store. Unfortunately, the app is available on Android devices only.

Step 2: Open the app. Click Register Now.  Step 3: Register using your mobile number. Make sure that your number is active since this is where notifications will be sent. Step 4: A text message will be sent on your mobile number. Input the code to verify your account. Step 5: Log-in. Make sure you click Allow to let Atome manage your phone calls and contacts. Take note that this is needed, otherwise, you won’t be able to apply for a loan. Step 6: Start entering your personal details such as name, birthdate, address, and employment details among others. It is imperative that you are honest with your details since this helps Atome verify your credibility as a borrower. Step 7: Once you’re done filling out your details, you can now apply for a loan. Keep in mind that for first-time borrowers, you can only borrow up to P2,000. Through frequent borrowing, you may be able to borrow as much as P10,000, which are payable in three months

Choose your Repayment Plan, Tick the I Agree to the Loan Agreement box, and then click Borrow. Step 8: Your loan details will be displayed as well as the breakdown of fees. If you agree and sure to borrow, click Borrow. Step 9: Choose between Bank Transfer or Cash Pickup for your mode of disbursement. For cash pickup, only Cebuana Lhuillier is the authorized disbursement channel of Atome. Step 10: Atome representatives will review your loan application. Wait for confirmation on whether or not you are qualified.

Tips in Applying with Atome:

  • Link your Facebook account. This will help Atome representatives verify your identity.
  • Borrow what you can pay, regardless of the amount.
  • Make sure you have at least one valid, government-issued ID. This is necessary because, again, it helps verify your identity and that you are a real person.

Have you tried Atome? Let us know about your experience by leaving a comment below.

How to Repay Your Loan From Tala Philippines

Online cash loans are becoming popular these days. It is quick, fast, and readily available, which are plus points in case of emergency. When it comes to this kind of facility, Tala Philippines is among those lenders people consider. After all, borrowing from them is easy and convenient. All you need to do is to download the app, fill out the boxes with your personal details, and you’re good to go.

Of course, every successful amount of money you borrowed means you have to pay for it at some point.

The question now is this: how do you pay for your Tala loan? 

But first, you need to know the available payment channels. 

The following are the only authorized payment channels of Tala:

  • Cebuana Lhuillier
  • MLhuillier
  • 7-Eleven

That being said, here is a step-by-step guide on how to pay your Tala loan:

Step 1: Go to Tala app installed on your phone. On the homepage, click Make A Payment. 

Step 2: Input the amount you wish to pay. It is also advisable that you pay the full amount, interest included, to avoid incurring penalty charges.

Step 3: Click Submit Payment. 

Step 4: You will receive a notification via text message from or NXSMS. This includes a link. Make sure to click the link. 

Step 5: Choose your desired payment method. Remember, Tala Philippines has only FOUR authorized payment channels, so choose one that is most convenient for you. Payments made outside these four authorized channels will NOT be honored by Tala.

Step 6: You will receive a reference number on email inbox or SMS notification. Make sure to write this reference number – a 12-digit code – because this will be used when you make a payment on any Tala’s authorized payment channels.

Step 7: Go to your preferred payment channel and then, settle your loan obligation. Don’t forget to present the reference number so Tala will know which loan you are paying for.

An email or text message will be sent to you once Tala Philippines completed your loan payment. You will also see payment confirmation on the Tala app.

Once payment is posted, you may re-apply for another loan in case you are in need of additional funds.

Easy, don’t you think? Remember, settle your loan obligation, regardless of the amount, as soon as you can to avoid paying penalty fees. Plus, late or incomplete payment could have a negative effect on your credit score – and you don’t want that to happen.

Pera247: Your Online Cash Partner

Nobody wants to have issues with money. Unfortunately, life happens and your hard-earned money can’t seem to be enough.

Who do you turn to in case you need help financially?

Online cash lenders could help. Aside from convenience, you can easily get the money since online lenders will simply deposit the money on your account. Plus, you don’t have to worry about traffic and collateral documents since everything will be done online.

That being said, who do you turn to?

With the entry of many online cash lenders in the Philippines today, you might want to consider Pera247.

Who is Pera247?

Pera247 is a digital lender in the Philippines that offers affordable loans. It is under AsiaKredit, an international tech-based financial services firm that offers fast and convenient credit to the Southeast Asian market.

Pera247 aims to become a gateway for honest and hardworking individuals yet unable to get access to traditional financial services to help improve standard of living.

Consequently, its mission is to become a lender that is able to identify credit-worthy borrowers and pave way for them to gain access to funds.

As of this writing, Pera247 offers three loan products:

  • Shopa-Loan, which allows you to shop without credit card and still be able to pay for your purchases in installment basis. You can borrow between P5,000 and P50,000 and use it with their partner merchants.
  • Afforda-Loan, wherein you can between P10,000 and P30,000 and pay in installments for up to six months. Apparently, this is only available to repeat borrowers.
  • Insta-Loan, Pera247’s short-term loan wherein you can apply for instant cash up to P15,000 and payable up to 90 days.

How to Apply for an Online Cash Loan with Pera247:

Take note that for purposes of this article, you will apply for an Insta-Loan, Pera247’s online cash loan.

Step 1: Download the app on Google Play Store. As of this writing, Pera247 is only available to Android users.

Step 2: Open the app and click Apply Now.

Step 3: Input your mobile number. Make sure that the number is active and working. Click Submit.

Step 4: Click Okay when asked to verify your mobile number.

Step 5: A six-digit verification code will be sent to your registered mobile number. Input the code as well as your password. Then, click Submit.

Step 6: Navigate the buttons according to the amount you want to borrow and loan terms. It will also display a breakdown of fees, interest fee, penalty fee (if ever), and total amount due. Once you’re ready to proceed, click Get Money.

Step 7: Fill out the online application form. Click Next.

Step 8: Upload a picture of your government-issued ID. Click this link to find out the IDs accepted by Pera247.

Step 9: Allow Pera247 to take pictures, record videos, access your device.

Step 10: Take or upload a selfie.

Step 11: Enter your email address. Make sure that the email address is active since a verification link will be sent on that email.

Step 12: Answer the questions pertaining to your personal information. This includes marital status, address, and employment details.

Step 13: Answer the Credit History page. Make sure to be truthful and honest on this since lenders can easily check your credit standing.

Step 14: Identify the purpose of your loan.

Step 15: Answer the survey. If you have a promo code, then don’t forget to to input this as well.

Step 16: Upload your latest utility bill. This is not required and may be skipped, but if you want to boost your chances of approval, then upload one.

Step 17: You will be given a chance to increase your chances of approval. Choose among the methods shown on your screen. This is not required, but if you want higher approval chance, then accomplish at least one of these methods.

Step 18: Review your loan application. Then tick the boxes accepting the Terms and Conditions as well as the privacy policy. Then click Submit.

Tips to Remember when Applying for a Loan with Pera247:

  • Accomplish at least one of the optional methods to increase your chances of approval. This will show Pera247 regarding your capacity to pay.
  • Use an active email address and mobile number. This is important because this is where Pera247 will contact you and verify your information.

Once approved, you will be able to claim your loan through bank transfer, MLhullier branches, SM Bills Payment branches, or BDO branches.

Convenient, isn’t it?

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