Happy Pera Information You Should Know

These days, more and more services allow you to do what you want without wasting time. In the past, when you wanted to lend money in banks, you spent time going to the bank and finishing many documents. It is such a waste of time.

Happy Pera allows you to lend money in a short time without worrying about anything else apart from the interest amount. Keep reading to understand more about this service!

Table of Contents

What Is Happy Pera?

Nowadays, many people have difficulty lending money from traditional banks because they think it is risky when these banks require collateral, which means they may lose all their property if there is any unpredictable problem.

Happy Pera is ideal for you when you need to lend immediately; you don’t have to finish too many documents like banks. It is a lending service where you need to worry about the loans, not losing all your collateral.

Happy Pera In The Philippines Is Legitimate

All services relating to monetary assistance must stick to the laws of the Philippines. 

If a business wants to offer this kind of service, they must have permission or fundamental documents. Normally, the SEC will give these documents and permission, also known as the Securities and Exchange Commission. 

This company is named in the List of Registered Online Lending Platforms. In this list, the company’s name is Royal Yohoo Lending Investors Corporations, with the registration no. is CS201906145. 

It has the certìication of authority which is 2940, and Happypera2 is known as the online lending application of this company. Besides, it is one of the businesses registered on the SEC website. 

Therefore, this company is completely legitimate. 

Happy Pera is the loan option you should choose!

Happy Pera is the loan option you should choose!

Tips: You can also get easy cash from Pera Agad

The Way To Obtain A Loan In Happy Pera Philippines

Firstly, you should download the Happy Pera app to your phone. Whether your phone uses Android or IOS operating system, it is all free to download.

Here are some following steps you should do after installing this app to your phone:

Happy Pera app

Happy Pera app

  • When you search for this app, you must ensure that the publisher is Royal Yoohoo Lending Investors Corporation.
  • Give some necessary information to create an account.
  • Apply for a loan.
  • Wait for the assistant to call.
  • Receive money regularly within 24 hours. It would help if you had it deposited in a chosen financial place.

If you have any problems with the loan or anything relating to this money lending service, you can contact customer service to have some guidance. You can also find more information about this company through its website or Facebook page.

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What Does A Happy Pera Loan Require?

Like other banks, you must obey some requirements when you want to apply for lending money. Fulfilling these requirements is a need when you tend to get a loan. Here are some basic requirements:

  • The applicant’s age must be between 18 to 60.
  • The applicant must ensure that they have a stable income and now have a job.
  • The user must provide two government-issued IDs. For example, Passport-issued by the Department of Foreign Affairs (DFA), UMID-issued by SSS.
  • The applicant will have more chances to be approved if they attach supporting documents such as electric or water bills; a payroll is also highly recommended.

Happy Pera requirements

The Interest Rates Of Happy Pera

One more thing that attracts many people to use this service is the reasonable interest rate, 0.03% per day. The service also has some loan parameters that users must remember carefully.

The minimum loan amount is 1000 PHP for each applicant, and the maximum amount is up to 12000 PHP. Besides, each user has a term from 91 to 120 days.

Happy Pera wallet

Happy Pera wallet

To pay for the loan, you can pay through these means:

  • Bank Transfer
  • Bayad Center
  • Ecpay
  • Robinsons Department Store
  • Other means  

See also: Cashjeep Philippines Review You Should Know

Things About Happy Pera App 

Unlike traditional banks, you don’t have to leave your place to lend money. Thanks to this app, you can even lend money when you are still at home. You can lend money as fast as possible and save your time. 

This app is absolutely easy to use. You can download this app without any difficulties via Google Play or Google App Store, providing that you own a smartphone connecting to the Internet. 

Once you complete your downloading, you should register an account to apply for a loan. It will ask you for some necessary information, such as your phone number or passcode of your account. 

During your registration, you will be sent a verification code to enter. When your registration is done, feel free to apply for a loan.

Happy Pera is always ready to help

Happy Pera is always ready to help!

Happy Pera Philippines Reviews

This app gradually became common in the Philippines; it attracts many Philippines users. You can see how satisfied the users are by the rate; usually, users rated up to 4 or even higher on the Google App Store or Google Play Store.

Besides, reading some comments below can give you trust in this app. Many applicants give interesting comments to show their pleased reaction to the effectiveness of this service. Most of the comments are about the fast approval and the fast disbursement. 

Moreover, they also like customer service because they usually receive a call once they finish the application. The application is really easy to fill out, so it takes little time to lend money.


Happy Pera is one of the most common financial services that give applicants satisfaction because of its convenient features. The appearance of this company is a mark of the development of technology. 

We hope you can obtain a deep understanding of this type of service. Besides, the information above can help you understand more about the Philippines and some basic laws that a company should adhere to if they want to run a financial company.

Thank you for your reading, and we will see you soon!

See also: Crezu Philippines Online Loans Review 2021

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