ExpressPera

Fees and Commissions

Our website, expresspera.com, does not set any fees for using money. The loan matching service operates transparently. 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 failure to pay.

It is important to note that all financial relationships are between you and your lender, not expresspera.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 user agrees to the terms online directly on the lender’s website. You, as the borrower, may choose to accept or decline the terms offered in the loan terms. Your agreement details the loan amount, currency, period of use for the funds, and your obligations.

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

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Material Disclosure

expresspera.com matches loan offers to customers, acting as an intermediary between them and licensed financial institutions. expresspera.com is not a financial institution, bank, or lender. It is not responsible in any way for loan agreements or terms. All calculations are approximate. Please check the lending institution’s website for the relevant terms and conditions.

Repayment Periods and Interest Rates

The loans offered on expresspera.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 Policy

expresspera.com does not collect payments. Your lender will contact you by regular mail, email, or phone to outline a repayment schedule. Please contact your lender to determine their collection process, as the terms may vary.

Consequences of Default

If you cannot pay on time, each lender has their own policies on fees/interest and how they handle debt collection. Some lenders may explore legal options in the event of continued nonpayment. Most lenders will contact you by 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. Please read through the fees section on the lender’s website before proceding to taking a loan.

Late Payments

If you think you won’t be able to make a payment on time, then it is important to contact your lender beforehand. Your lender may offer to extend or renew your loan. Keep in mind, however, that this will accrue additional interest. Your lender may charge a fee for late payments. The amount is determined by the lender, so please read the loan terms before agreeing. Late payments may also negatively affect your credit score.

Loan Extension Policy

expresspera.com does not recommend extending your loan. If you feel that you cannot repay your loan on time, then we strongly suggest you not taking it and recommend that you seek independent financial advice. However, should you decide that an extension is necessary, please discuss this option with your lender. For more information about your lender’s process and policy regarding nonpayment, please review the terms in your loan agreement.

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