PERANYO Review Philippines App Legit? Harassment? Complaints (2024)

What is Peranyo? Is this a safe loan app? Is it really your optimal financial solution?

Retailasiaonline.com will answer your questions!

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Summary of Peranyo

✅ Peranyo Review	⭐ 3.7 star
✅ Guide to	⭐ Register to Peranyo loan app Philippines (PH)
✅ Loan amount	⭐ 500 – 50.000 Pesos
✅ Age	⭐ 22 – 55 years old
✅ Term	⭐ 3 – 12 months
✅ Interest rate	⭐ 0 % interest rate for first loan
✅ Pros	⭐ Online loan monthly payments in Philippines
✅ Cons	⭐ No Online loan guaranteed approval
✅ Evaluate the effectiveness	⭐ Good
✅ Sec registered	⭐ Yes
✅ Peranyo Harassment	⭐ Read more about feedbacks in this article
✅ Complaints	⭐ No

What is Peranyo?

Peranyo is a very popular online money lending application in the Philippines. With just a smartphone with internet, you can sit at home and still be able to borrow money quickly and conveniently within a few minutes. You don’t need to meet face to face, saving time and effort.

Pros of Peranyo App

Since its launch, the Peranyo app has been positively received by many people in the Philippines because of its advantages that not every loan app has:

• Highly reliable, the site has been built for a while.
• Support borrowers even if they have bad debt.
• Competitive interest rates.
• Flexible loan term.
• Simple process, quick disbursement within 24 hours, meeting the need for urgent money and hot loans.
• Simple procedure with just ID card, other identification documents.
• No collateral required, no third-party guarantees.
• Professional customer service, gentle staff attitude.

Cons of Peranyo Loan App

Although the advantages of the Peranyo Loan app are undeniable, it still has certain limitations:

• The loan limit is not high, the term is short, and is only suitable for short-term consumption purposes.
• Although competitive, interest rates are still higher than bank unsecured interest rates.
• There is a service fee.
• Late payment penalties are quite high.
• The form of debt collection is quite strict.

Peranyo interest rate

Peranyo interest rates during this period are about 10% – 30%/year. This is a quite competitive interest rate in the lending market in the Philippines.

However, to know the exact interest rate, you need to rely on the specific loan amount, term, credit score of the borrower as well as the unit’s policy at this time.

Example of Peranyo interest rate calculation

The way to calculate loan interest at Peranyo is quite simple.

• Loan amount: ₱20,000
• Term3 months.
• Interest rate: 2%/month.
• Service fee: ₱500/loan.
• Actual amount received: ₱20,000 – ₱500 =  ₱519,500.
• The amount of interest payable is: ₱20,000 x 2%x 3 = ₱1,200
• Amount payable at the end of the period: ₱20,000 + ₱1,200 = ₱21,200.

Peranyo loan requirements

Loan conditions at Peranyo are set out quite simply. These are all minimum conditions that anyone can meet:

• Between 22 – 55 years old.
• No criminal record, no civil rights restrictions.
• Filipino citizen.
• Have a stable job, guaranteed source of income.
• Have legal identification documents: ID card, driver’s license, passport…

Guide to register Peranyo Loan Application Step-by-step

The loan process at Peranyo is as follows:

Step #1: Download the online application

Currently, the Peranyo application supports deployment on both basic operating systems: iOS and Android. Therefore, you can completely feel secure downloading it to your phone.

Step #2: Register an account

After completing the download of the app. Click the “Register” button and begin the account registration process.

Declare full personal information including: full name, email address, phone number, bank account number, current address and set up a password.

Provide detailed information about current work, assets, and income. From there, the system will automatically score your credit score and your ability to borrow money.

Step #3: Confirm information

The next step is for you to once again confirm the information declared above. Accept the terms of this loan app.

Step #4: Choose a loan package

Depending on your needs, you choose a loan package that suits your abilities.

Step #5: Approval and disbursement

After confirming the loan, the system will process your request. If the application is approved, within 24 hours, the money will be returned to the bank account you previously registered.

​Reviews Peranyo online Loan App Feedback

Peranyo review is rated 3.7 stars from clients, no complaints harassment. It is legit and safe to use, sec registered and absolute information.

Every day, many customers have been using the loan solution proposed by Peranyo. Most of them leave extremely good feedback because of their experiences.

Peranyo loan repayment.

Not only is the loan process simple, but loan repayment is also extremely easy for Peranyo:

• Transfer money to the application’s bank account according to the contract.
• Pay at affiliated locations.
• Payment via e-wallet.
• Register for automatic payment through the Peranyo app itself.

Compare Peranyo loan App Philippines with other loan apps

Comparison table of Peranyo App with other loan apps:

Comparison criteria	Peranyo	Pesoloan	Peranyo
Limits	500 – 50.000 pesos	1.500 – 40.000 Pesos	5.000 – 30.000 pesos
Tenor	3 – 12 months	3 – 12 months	91 – 180 days
interest	10% – 30%/years	16% – 50%/years	10% – 36%/years
Age	22-55 years old	18 – 60 years old	18 – 60 years old
Review rate	85%	90%	90%

Sources: Refer to Sate Bank reporting and research.

Peranyo customer service

If you have any questions about Peranyo complaints, please contact us:

Email: cs@peranyo.com

Hours of Operations: 08:30-17:30, Monday to Saturday

Empire Peak Lending Investors Inc.

FAQs – Peranyo Philippines

Here are some questions to answer about Peranyo:

Is Peranyo legit?

Peranyo App is a valid and legal loan application. Operating in the Philippines with company Registration No. :CS201919994, certificate of Authority NO.3191. All information about the loan is transparent, specific, and clear in the contract. There is never any ambiguity about interest rates.

Does Peranyo Harassment expose user information?

Peranyo is known for its professional information processing system and absolute customer information security. If customers borrow money and repay it on time, all of your information is guaranteed by Peranyo and will never be leaked to a third party.

Want to get Peranyo’s contact information?

If you have any questions, you can contact the hotline +639777226726. For loan consultation, contact +639050966612.

Additionally, you can email cs@peranyo.com as well as visit the peranyo.com website to learn more.

In conclusion – Should you Apply to Peranyo App?

Peranyo is an effective financial solution for every family.

The need for a quick loan can arise at any time in life. If you follow the order and procedures at traditional banks, it is impossible to resolve urgent financial situations during the day. Peranyo could not be a more reasonable choice.

Thank you readers for following the article. If you find the above information useful, don’t hesitate to rate it 5 stars and leave many comments for answers.