PeraTheOne

Fees and Commissions

Our loan matching service, peratheone.com does not set any fees for using funds. The loan matching service operates with full integrity. We do not take any interest or fees. Our services are completely free for you to use.

Your lender outlines the fees for late payments in your agreement. Lenders in the Philippines set their own interest rates and penalties for late repayments.

It is important to note that all financial relationships are between you and your lender, not peratheone.com. We are not a lender and never act as such. As a service, we only match borrowers and financial institutions by offering a selection of companies that provide cash loans up to ₱25000 for a period of four months.

The lender will determine its own policies regarding loan provision and payment. The borrower agrees to the terms remotely directly on the lender’s website. You may choose to accept or decline the terms offered in the loan terms. Your agreement details the loan amount, repayment period, daily interest rate, fees, and penalties.

peratheone.com cannot access your loan agreements. If you have questions regarding your loan agreement or repayment, contact your financial institution directly through the means of communications detailed on their website.

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Intermediary Responsibilities Policy

We represent Fininity Ltd, which acts a credit broker. We are not a lender. peratheone.com does not directly offer any type of loans or consumer loan products.

Maximum/Minimum Repayment Periods and Maximum Interest Rate

The loans offered on peratheone.com have a minimum repayment period of 120 days (four months) and a maximum of 180 days (six months). APRs range from 0% to 36%. Interest rates vary from lender to lender.

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

peratheone.com always recommends repaying on time. If you cannot, each lender has their own policies on fees/interest and how they handle debt collection. Most lenders will contact you by regular mail, email, or phone to change your payment terms. Nonpayment may result in penalties and/or increased interest. We recommend that you contact your lender as soon as you know there is an issue; otherwise, your credit history may get affected.

Late Payments

Please contact your lender directly if you think that you cannot repay your loan on time. Lenders may be able to extend or renew your loan under the initial terms and conditions. Terms and late payment options vary by lender. Please note that late payments may result in additional fees or interest and may also negatively affect your credit score.

Loan Extension Policy

If you would like to extend your loan, you should contact your lender before missing a payment. Most lenders charge the same interest rate and commissions for another month on the total amount due. The loan may be renewed or extended automatically in the event of late or nonpayment. Additional interest and/or fees may be charged to your account. Please, think carefully before extending your loan, as doing so may substantially increase the amount you pay.
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