Borrow £1000 for 6 months. The total repayment amount will be £1487.90 with first payment of £212.55, 4 payments of £283.40 and last payment of £141.75. There is no card verification cost. The maximum arrears fee charged per loan is capped at £10. The representative APR is 336.15% (138.82% per annum fixed).
Our loans are available between 3 and 6 months depending on the loan amount.
Warning: late repayment can cause you serious money problems. for help, go to - moneyhelper.org.uk
A Pera Loan is designed for Filipino community to help if you have an unexpected expenses & need a little extra cash. We are an affordable, friendly and flexible solution to suit your financial needs. We understand Overseas Filipino Worker (OFW) needs here in the UK. Don’t worry, your data is safe with us as we have advanced technology to protect your personal details. Never worry about cash for your loved ones back home, feel at ease knowing Pera Loans are right for you!
You will get money within hours, not days.
Pera Loans will be happy to help our Filipino Community to avoid worrying about cash for your loved ones back home. Don’t take our word for it, here are what some of our customers say
The application is very easy and most of all the staff who assist me is very kind...
Nice Staff friendly 😊 very kind and fast transaction... always there to help you...
I love Pera Loans! I love Ruth and Mau! I am always grateful to these two as...
Peraloan is really helpful specialy for those every Filipino leaving in the uk...
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The CCTA are an association representing businesses who provide credit to consumers. They work to guide members through stringent industry regulation, offering uncompromising practical help to ensure companies run effectively and ethically in this competitive arena.
We are best described by the following three words -Friendly, responsible & affordable! We are receiving and assessing thousands of short term loan requests every month and we are very serious about giving our clients the right loan solution for their current financial situation. While our aim is to provide financial assistance to as many individuals as possible, we do not want to burden you with a loan you cannot afford or pay back. To ensure that a loan is a good fit, we have a unique affordability test that helps us create a realistic loan arrangement for you.
As a responsible lender we want you to completely understand our products and have a peace of mind working with our well trained team. Our goal is to provide you the right product, a product that will really help you to get across a temporary financial stress. You must meet the following minimum requirements to apply for our responsible loans
Peraloans.co.uk is committed to providing a good service to consumers and treating them fairly. As always, if you have any questions or queries with regards to our loans you can call us on 0203 397 1744 / 07946 220135 or email us at info@peraloans.co.uk
This page (together with the documents referred to on it) tells you the terms of use on which you may make use of our website www.peraloans.co.uk (our “Site”), whether as a [visitor/guest or a registered user]. Please read these terms of use carefully before you start to use the Site. By using our Site, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our Site.
www.peraloans.co.uk is a site operated by Western Circle Limited ("We" or "Us")). We are a limited company registered in England and Wales under company number 7581337 and have our registered office at 2a Highfield Avenue, London, NW11 9ET. Our main trading address is 2a Highfield Avenue, London, NW11 9ET.
We are authorised and regulated by The Financial Conduct Authority (FCA Interim Permission License: 651725).
Access to our Site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our Site without notice (see below). We will not be liable if for any reason our Site is unavailable at any time or for any period.
From time to time, we may restrict access to some parts of our Site, or our entire Site, to users who have registered with us.
If you choose, or you are provided with, a user code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms of use.
When using our Site, you must comply with the provisions of our acceptable use policy.
You are responsible for making all arrangements necessary for you to have access to our Site. You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these terms, and that they comply with them.
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You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status (and that of any identified contributors) as the authors of material on our Site must always be acknowledged.
You must not use any part of the materials on our Site for commercial purposes without obtaining a licence to do so from us or our licensor's. If you copy or download any part of our Site in breach of these terms of use, your right to use our Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
Commentary and other materials posted on our Site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our Site, or by anyone who may be informed of any of its contents.
We aim to review our Site regularly, and may change the content at any time. If the need arises, we may suspend access to our Site, or close it indefinitely. Any of the material on our Site may be out of date at any given time, and we are under no obligation to update such material.
The material displayed on our Site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:
This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.
Information about you and your visits to our site. We process information about you in accordance with our privacy policy. By using our Site, you consent to such processing and you warrant that all data provided by you is accurate. Transactions concluded through our site
Contracts for the supply of financial services formed through our Site or as a result of visits made by you are governed by our terms and conditions.
You agree to provide us with all relevant proof of identification that we reasonably request, including proof of identity and proof of nominated bank current account and associated debit card.
Our charges
Our products are designed with the FCA cap in mind, as well as affordability for our clients. We enforce strict cost control on open loans, loans in default and rollovers. We never charge hidden fees and, prior to any loan, we always present to our client all the costs involved during the life cycle of his/her loan.
All our short-term loans are defined with the following cost framework:
In the event that you are in a DMP, IVA or are currently bankrupt you may not apply to us for any financial services or products that we offer on our Site.
In the event that you enter into a DMP or IVA, or are made bankrupt, after you enter into an agreement with us, you must notify us immediately.
You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site. You must not attack our Site via a denial-of-service attack or a distributed denial-of service attack.
By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Site will cease immediately.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Site or to your downloading of any material posted on it, or on any website linked to it.
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
You must not establish a link from any website that is not owned by you.
Our Site must not be framed on any other site, nor may you create a link to any part of our Site other than the home page. We reserve the right to withdraw linking permission without notice. The website from which you are linking must comply in all respects with the content standards set out in our acceptable use policy.
If you wish to make any use of material on our Site other than that set out above, please address your request to info@peraloans.co.uk.
Where our Site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
The English courts will have non-exclusive jurisdiction over any claim arising from, or related to, a visit to our Site. These terms of use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales. In the event that you are resident outside England and Wales (for example in Scotland) we will issue proceedings through the applicable local Court.
These terms of use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.
We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our Site.
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Thank you for visiting our Site.
