Pera247 APK pour Android Téléchargement gratuit

Pera247 Apk is an organization that provides quick loans to Filipinos, especially those who need cash immediately. The best part is that the borrower doesn't have to explain why they need the money. Whether it's medical, travel, or education, just fill out the online form and get an instant Pera247 cash advance transaction.

Loans are the most important financing instrument for those in need. They enable them to make ends meet, pay bills, and make a living.

On the other hand, loan providers like Pera247 often offer flexible repayment options, meaning borrowers can make it easier to pay off the loan on time and avoid a loan default. In addition, lenders offer lower interest rates than other lenders, making it easier for borrowers to repay the loan with less spending money.

About Pera247 Apk

Pera247 Apk is a digital lending solution that aims to provide low-cost, unsecured, short-term consumer credit for up to 90 days with no existing credit history or deposits. Founded in 2017, Asiakredit is led by co-founder and CEO Mike Singh, a banker and serial entrepreneur with over 20 years of experience. Singh's experience in the financial industry came from senior positions in consumer and retail banking at leading banks such as HSBC North America and RCBC Philippines.

Singh's previous business ventures include a retailer and manufacturer with over 100 stores in the Philippines and an auction web portal that was sold to one of the largest media conglomerates in the Philippines.

“We are excited to fully digitize consumer finance in the Philippines as we see a dynamic shift in consumer digital behaviors in accessing financial services through mobile and online channels. According to Pera247, Asiakredit has a great opportunity to impact financial life. Millions of consumers in Southeast Asia are benefiting from the region's high penetration of mobile phones to drive inclusion.

We have a diverse, international, experienced, and proven management team and blue chip backers with strong backgrounds in fintech and consumer finance. We look forward to establishing ourselves as a strong player in digital lending in the exciting emerging markets of Asia,” said Singh.

Designed to deliver the shortest, real-time credit decisions of any platform on the market, the Pera247 platform uses Big Data to simplify the credit assessment process and make fast and reliable credit decisions. As part of its credit assessment process, Pera247 will select data points from both traditional and alternative data sources, such as mobile behavioral data from the applicant’s smartphone.

Using proprietary digital technology and insights from the Asiakredit team, The App integrates highly predictive digital credit scores into its underwriting algorithm to improve loan availability for those with limited or no banking history and increase their approval rates while reducing risk costs. Once the credit decision process is complete, the Pera247 App doubles as a mobile wallet for the selected applicant, disbursing funds within hours of application and connecting to thousands of physical payment centers.

To date, Asiakredit has raised US$675,000 (RM2.84 million) of combined pre-Series A and seed funding, a portion of which will be used as a funding vehicle for its customer loans. After the initial launch, it will attempt to raise additional capital to expand its leverage and operating budget.

The all-digital consumer credit was founded and funded by Singapore-based Investor Forum, a Southeast Asian start-up led by serial entrepreneur Greg Krasnov and former CEO of JobsDB, Adrian Chang, Fintonia Group. Chng chairs the Board of Directors as the Company's Non-Executive Chairman. Like other companies supported by Forum and Fintonia Group, the Asiakredit team leverages its strengths in data analytics, credit scoring algorithms, and integrated technology solutions in Eastern Europe, where digital finance has reached a high level of maturity.

Beginning with the Philippines, Asiakredit plans to expand its product offering to other Southeast Asian countries, with plans to Indonesia in 2018.

Pera247 Apk Features 

Fast and easy process-

No proof of income or credit is required to apply for a loan. If all the required information is filled in correctly, you can be admitted quickly and easily on the same day!

Transaction security-

All information shared through the App is protected using secure connection and encryption technology in compliance with the Privacy Act of the Philippines (RA 10173).

Same-day approval-

Once the loan has been approved, it only takes 4 to 16 hours to receive the money via bank transfer or at an M Lhuillier branch.

Transparency-

With no hidden costs or fees, Pera247 shows the user how much and when, and how to pay, along with a detailed explanation of interest rates. They provide comprehensive education on how to borrow, spend and save responsibly.

Additional Features 

• Select the loan amount and the conditions
• Enter personal information such as first name, last name, date of birth, etc.
• Upload a photo and valid ID
• Go through the email confirmation
• Answers to some additional questions
• Enter the correct time and the manager will call you back on 247
• Include employment information (preferably send proof of employment)
• Write down your debt goals
• Enter last month's invoice (optional)
• Send payslip / COE (no older than 1 month)
• Add additional phone contacts (optional but increases your chances of credit approval)
• Check all information to ensure it is correct
• Let the smartphone access the Pera247  Apk mobile application
• Then everything takes no more than 10 minutes.

How does Pera247 Apk work?

With the help of your phone, you can easily access your account in the app and select your desired loan amount. Your app is available in the Google Play Store. If you submit your application correctly and actually get a loan from Pera247 Apk, they will get your full details and remind you how much and when to pay. Generally, you have 18 days to repay the loan, especially if this is your first time borrowing. Otherwise, It can give you 90 days to issue a refund.

Your system will remind you when you need to pay recurring charges. This is intended to create a unique opportunity for all and to teach existing clients the fundamentals of financial literacy and management.

How do I apply for a loan at Pera247?

After downloading it from the Google Play Store, open the app and register with a valid phone number.

• Fill out the registration form, upload your valid passport photo, and take a selfie.
• Check all entered information carefully. You must allow Pera247 to access your mobile data as this is how they check whether your credit should be approved or not.
• After registering in the app, you can now apply for a loan. To do this, tap on “instant loan”.
• Answer a few questions specially created by Pera247.
• Select the loan amount and payment terms.
• Confirm your identity.

Finally, once approved, you can get your money. Get cashback at over 10,000 partner stores across the country.

Why choose us?

Fast and easy Just a few taps on your smartphone and the money will be sent immediately upon approval. All you need is a valid ID and a selfie! Digital Your application is completely digital from start to finish. A quick and convenient process that requires no paperwork or face-to-face interaction.

Transparent and comprehensible We show you the total cost of your loan with no hidden costs. We'll tell you when and how to pay, and even remind you along the way. We encourage and train you in responsible lending and financial planning and management. Pera247 Apk always follows the Truth in Lending Act (RA 3765) of the Philippines.

Secure data protection is very important to us. We are registered with the National Privacy Commission and follow their strict guidelines to ensure the privacy and security of your personal information.

Instant credit installment and example calculation:

• Loan Amount: ₱1,000 to ₱15,000
• Processing fee: 3%
• Monthly interest rate: 2%
• Maximum Annual Percentage Rate (APR): 24%
• Offered minimum repayment period: 72 days
• Maximum redemption period offered: 100 days

Juan de la Cruz borrows money to pay bills ahead of his salary. He borrows ₱3,000 for a period of 90 days. After that, you will have to pay a processing fee of ₹90 and an interest rate of ₹189 for a total payment of ₹3,279.

[₱3,000 (principal) + ₱90 (processing fee) + ₱189 (interest rate) = ₱3,279 (total payment)]. The maximum effective interest rate (EIR) in this example is 3% per month.

SEC Disclosure:

Pera247 Apk is a duly registered lending company with a valid certificate (to function as a lending company) under the SEC (SEC Registration Number: CS201734339 Number: 2582).

Pera247 Lending Corporation adheres to the highest standards of responsible lending governed by its Board of Directors, including 1) Registration and Certification with the National Privacy Commission (Number: PIC-001-172-2019); 2) Truth in Lending Law; 3) best collection practices; 4) anti-money laundering; and 5) join the Smart Campaign's FinTech Protects Community of Practice, an initiative of the Action Center for Financial Inclusion (CFI).

How to get a loan from Pera247 Apk?

Any user with a mobile phone can apply for a loan by first downloading the Pera247 Apk on their Android smartphone via the Google Play Store. Users must create an account using their mobile phone and active email address. After submitting your loan application, you'll need to answer a series of questions, including what you want to borrow and the repayment terms.

In accordance with Anti-Money Laundering Council rules and regulations, the user will be asked to provide their personal details and proof of identity in the form of a valid government-issued ID. Once all the requirements and required information have been submitted, the Pera247 team will review your application and make a decision within 24 hours.

Users are notified via SMS or email when the loan is approved or declined. Approved applicants receive their loan within hours, which can be accessed at over 10,000 locations across the country.

How to download and install the Pera247 Apk?

Follow the steps below to install this app on Android devices:

• Bug Resolved.
• User-Friendly Interface.
• Speed Boosted