When Filipino users search for Peramoo loan app, the main intent is usually to verify whether the platform is safe, SEC registered, free from harassment, and how to manage their account. This in-depth review is based on real user experiences, research, and industry knowledge to help borrowers decide whether Peramoo is a legit or not online lending app.

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Peramoo Loan App Review in the Philippines

1. What Is Peramoo Loan App?

Peramoo is a mobile application offering short-term online cash loans to users in the Philippines. It is commonly found on third-party websites through Peramoo loan app download pages or APK latest version links, since many users report that it is sometimes unavailable on the Google Play Store.

The app claims fast approval, minimal requirements, and instant disbursement—features typical of online lending platforms targeting quick-cash borrowers.

However, concerns such as complaints, harassment, unclear contact number, and legitimacy questions are widely discussed on forums and even on Reddit threads.

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Is Peramoo Loan App Legit or Not?

1. SEC Registration Status

One of the most important indicators of legitimacy in the Philippines is registration with the Securities and Exchange Commission (SEC). Based on public records commonly checked by users, many borrowers reported that they could not find Peramoo under the list of SEC-licensed lending companies. Apps that operate without proper registration often violate the Lending Company Regulation Act.

Because of this, users frequently question:
Is Peramoo loan app legit?
From a regulatory standpoint, if the company is not clearly listed as SEC-registered, then it is not advisable to transact with them.

2. User Complaints and Harassment Reports

A significant number of users report:

• Harassment from collection agents

• Threats to contact friends, family, or employers

• Public shaming tactics (illegal under the Data Privacy Act)

• Excessive interest rates

• Unauthorized access to phone contacts

These complaints appear in Tagalog, English, and mixed-language posts across Facebook groups and particularly on Reddit, where borrowers describe emotional stress due to collection practices.

3. Transparency Issues

Users often find that:

• The app has no visible physical address

• The email address (often reported as permoo.cs@gmail.com) receives slow replies

• The contact number is not officially listed

• The loan terms change at the last minute

• In-app login problems are common

These red flags raise doubts about safety and accountability.

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Complaints & Harassment: What Filipino Users Are Saying

1. Debt Collection Harassment

Many borrowers submit reports of collection agents sending:

• Daily spam calls

• Threats of legal action without due process

• Messages to contacts stored in the borrower’s phone

• Edited photos meant to shame the borrower

Such practices violate both SEC guidelines and the Data Privacy Act of 2012. Even if a loan is unpaid, lenders cannot harass or shame borrowers.

2. Hidden Charges and High Interest

Users report that:

• A ₱5,000 advertised loan often becomes ₱3,000 after deductions

• Processing fees reach 30–40%

• Loan terms are much shorter than advertised

• Renewal fees accumulate quickly

These practices make repayment more difficult and increase conflict between borrowers and the lender.

3. Login and App Performance Complaints

Borrowers frequently mention:

• Being unable to login

• Forced upgrades to the APK latest version

• Bugs leading to double-charges

• System errors during repayment

These technical issues worsen the user experience, especially when collections continue despite system failures.

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How to Delete Account in Peramoo (Step-by-Step)

If you no longer wish to use the app or want to remove access to your information, follow these general steps.

But note: Some unregistered lending apps do not fully delete user data.

Step-by-Step Guide

1. Settle your outstanding balance
   Most apps require a zero balance before account deletion.

2. Send an email request
   Write to the known customer service email such as:

   • permoo.cs@gmail.com
     Provide your name, mobile number, and ID used.

3. Request full data deletion
   State clearly that you are requesting deletion in line with the Data Privacy Act.

4. Uninstall the app
   Delete the Peramoo APK from your phone.

5. Revoke app permissions

   • Go to Settings → Privacy → App Permissions

   • Remove permissions for contacts, storage, SMS, etc.

6. Monitor your phone for suspicious activity
   Some apps retain background access, especially if the APK was sideloaded.

If Peramoo does not honor your request, you may file a complaint with the National Privacy Commission.

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Contact Number & Email Address of Peramoo

Borrowers often search for official support details. While publicly shared information varies, the most commonly referenced channels are:

• Email address: permoo.cs@gmail.com

• Contact number: Not clearly listed by the company

• In-app chat: Often unresponsive according to users

The lack of transparent communication channels is another reason users question its legitimacy.

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Should You Use Peramoo Loan App?

Pros

• Fast approval

• Minimal requirements

• Easy mobile access

Cons

• Potentially not SEC registered

• Reports of harassment and unethical collection practices

• Extremely high fees

• Missing customer service hotline

• Risky APK latest version downloads

• Negative Reddit discussions

• Poor transparency

Expert Recommendation

For safety, borrowers in the Philippines should use SEC-registered and reputable loan apps such as:

• Tonik

• Maya Credit

• Cashalo (licensed)

• Banks’ official loan services

Unregistered lenders pose risks including harassment and data privacy violations.

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Final Thoughts

If you are considering the Peramoo loan app, proceed with caution. The volume of complaints, lack of clear SEC registration, and reports of harassment raise serious red flags. Borrowers are strongly advised to use only regulated, transparent financial services in the Philippines.

The article is edited by retailasiaonline.com