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Online lending in the Philippines has become a popular method for managing our personal finances. With its convenience and rapid approval process, many loan apps have emerged to meet user demands. Among these, Peranyo stands as a trusted and widely used application. In this article, we will explore what Peranyo is and why it is favored.


Peranyo is a highly favored online lending application in the Philippines. Through Peranyo, users can swiftly and conveniently borrow money within minutes without the need to visit traditional banks.

Key Features of the Peranyo App:

With Peranyo, users can borrow from PHP 500 to PHP 50,000 at competitive interest rates. The loan duration is flexible, ranging from 3 to 12 months, and the approval process is expedited.

To borrow money, users simply need to download the Peranyo app on their phones, register, and complete the online approval process. Once approved, the borrowed amount will be transferred to the user’s account within 24 hours. Peranyo app is available on both iOS and Android platforms, specifically catering to individuals in urgent need of short-term loans.

Moreover, Peranyo offers users additional services such as payment facilitation and loan management within the app, aiding users in conveniently and effectively managing their personal finances.

Steps to Register and Use the Peranyo App:

Step 1: Download the app on your iOS or Android device.

Step 2: Open the app and click on the ‘Register’ button to start the signup process.

Step 3: Enter your personal information, including full name, phone number, email address, and password.

Step 4: Provide details about your income, assets, and employment for Peranyo to assess your borrowing capacity.

Step 5: Confirm information and accept Peranyo’s terms and conditions.

Step 6: Choose the desired loan amount and repayment period that suits your needs.

Step 7: Await the approval process; the app will review your information and make a decision on loan approval.

Step 8: If approved, the borrowed amount will be transferred to your account within 24 hours.

Note that to register for the Peranyo app, you must meet specific requirements regarding age, income, and credit history. Additionally, for swift approval and processing of your loan, providing accurate and complete information during registration is crucial.

Advantages of Using the Peranyo App:

Peranyo offers users several attractive advantages:

  • Simple and user-friendly interface, saving users time and streamlining the loan application process.
  • Smart data processing technology for quick profile review and loan approval within 24 hours.
  • Competitive and reasonable interest rates in the market, helping users save on borrowing costs, ranging from 3% to 18% per annum.
  • No requirement for collateral, reducing risks associated with the borrowing process.
  • Dedicated customer service providing assistance and clarifications throughout the loan application.
  • Multiple loan packages with flexible amounts and repayment periods, catering to individual borrowing needs.

Considerations when Using Peranyo:

  1. Users should avoid borrowing excessively. Prior to borrowing money, users need to carefully calculate to prevent piling up debts.
  2. Peranyo should only be used for urgent financial needs. It should not be used for unnecessary expenses.
  3. Users need to thoroughly read and understand Peranyo’s terms of use before registering and utilizing the app.
  4. To ensure loan approval and protect personal information, users need to provide accurate and complete information.
  5. Users should keep their personal information confidential and refrain from sharing it with others to avoid the risk of fraud.

Finally, users need to make timely payments to avoid fines and prevent an impact on their credit score.


Peranyo is a fast and convenient online lending application that brings numerous benefits to users such as competitive interest rates, flexible loan terms, and expedited approval processes.