Pera4u is a premier digital app in the Philippines offering express cash credit services to individuals in need. It simplifies the loan application process by requiring only 1 government ID, with no collateral needed. Pera4u caters to various needs including personal, business, bill payments, and more, ensuring a safe and secured transaction environment. Its service is designed for convenience, allowing clients to apply and receive funds without leaving their homes.

Choosing Pera4u for your financial needs means opting for a hassle-free and efficient loan service. With minimal requirements, a paperless and fast application process, and the convenience of applying from anywhere, Pera4u stands out as a reliable financial partner. Its commitment to transparency, safety, and customer satisfaction, along with the ability to cater to a wide range of financial needs, makes it an ideal choice for instant cash solutions.

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Advantages of Pera4u

Minimal Requirements

Pera4u simplifies the loan application process by requiring only 1 valid government ID, making it accessible to a wider audience.

Fast and Paperless Process

The application process is 100% online, ensuring a quick and seamless experience for users.

Safe and Convenient

Transactions are secure, and clients can apply for loans without leaving their homes.

Flexible Loan Terms

Pera4u offers loan terms ranging from 91 days to 365 days, accommodating different financial needs.


What our customer says about Pera4u

Hear from delighted customers who've found success with Pera4u

User Experience
Customer Support
Product/Service Range

I am genuinely impressed with Pera4u for their level of Trustworthiness. Throughout the process, I was always provided with full and transparent information about the loans and conditions, making me feel at ease when making decisions. The customer support team is also very professional and attentive. Thank you, Pera4u, for being there for me!"


When searching for a reliable lending service, I chose Pera4u and was not disappointed. The User Experience from the first step to receiving the loan exceeded all my expectations. They have a rich array of products/services that cater to all my financial needs. The team at Pera4u is always ready to answer any queries and support any issues quickly.


One of the things I value most about Pera4u is their Range of Products/Services. Whether you need short-term or long-term loans, Pera4u has the right solution. Moreover, their customer support team is truly excellent, always listening and resolving any of my concerns swiftly and efficiently. It was a great experience working with Pera4u.


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