Is HappyPera2 legit?
Yes. HappyPera2 is on the SEC list of recorded online lending platforms. It is run by Royal Yohoo Lending Investors Corporations (SEC Reg. No. CS201906145, CA No. 2940). The SEC list dated Sep 29, 2026 records it as "Happypera2". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Happypera2" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Royal Yohoo Lending Investors Corporations, CS201906145 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 2940 (as printed by HappyPera2) | Google Play, updated Sep 22, 2026 |
| Price published | Yes: Maximum APR 24%. | Google Play, updated Sep 22, 2026 |
| Loan amount and term | ₱1,000 to ₱100,000, over 91 to 360 days | Google Play, updated Sep 22, 2026 |
| Google Play rating | 4.8 of 5 from 12,613 ratings, 100K+ installs, as of Oct 2, 2026 | Google Play, updated Sep 22, 2026 |
On ₱5,000 for 120 days, HappyPera2's published terms come to at most ₱395 in interest and fees: interest of 1.97% a month and an all-in cost of 3.1% a month, higher because you repay in instalments but pay interest on the original amount the whole time. HappyPera2 on Google Play, updated Sep 22, 2026
Working: 24% a year × 120/365 days × ₱5,000 = ₱395 interest. The all-in rate is the monthly rate at which 4 payments of ₱1,349 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Within the SEC caps for this loan: interest 1.97% a month against the 6% cap; all-in 3.1% a month against the 12% cap (SEC MC No. 14 s.2025, effective Apr 1, 2026). SEC MC No. 14 s.2025
Next: check the worked Disclosure Statement below, then compare HappyPera2 with the other recorded apps, or get it from its official Google Play listing.
HappyPera2 interest rate and what you pay back
Maximum APR 24%.Its own example, ₱12,000 for 91 days
Total Interest: ₱718.03 • Total Repayment Amount: ₱12,718.03
- You pay back
- Up to ₱5,395
- Cash you receive
- ₱5,000
- Interest and fees
- Up to ₱395
- Interest a month, at most
- 1.97%
- All-in cost (EIR) a month, at most
- 3.1%
- Share of the loan
- 7.9%
Terms from HappyPera2's Google Play listing, updated Sep 22, 2026. The calculator gives the same ₱12,718 for HappyPera2's own example. Documentary stamp tax on a ₱5,000 loan for 120 days is about ₱12.33 (NIRC Sec. 179); check whether the Disclosure Statement passes it on. DST calculator Source
HappyPera2 Disclosure Statement, worked out: ₱5,000 for 120 days
HappyPera2 must give you this statement in writing before the loan is made (RA 3765, the Truth in Lending Act, Sec. 4). These are the figures it should show at its published maximum; if yours differ, ask why before you accept.
| Figure | Inputs | Rule | Result |
|---|---|---|---|
| Amount financed | ₱5,000 borrowed, nothing taken off | RA 3765 Sec. 4(5) | ₱5,000 |
| Interest | 24% a year × 120/365 days × ₱5,000 | HappyPera2's published maximum | ₱395 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱395 |
| Simple annual rate | HappyPera2 publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 24% |
| Late penalty, at most | 5% × ₱5,395 due | SEC MC No. 14 s.2025 Sec. 3 | ₱270 a month |
| All charges together, at most | 100% × ₱5,000 | SEC MC No. 14 s.2025 Sec. 3 | ₱5,000 |
| Documentary stamp tax on the loan | ⌈₱5,000 ÷ ₱200⌉ × ₱1.50 × 120/365 | NIRC Sec. 179, as amended by RA 10963 | ₱12.33 |
| Owed to you if the statement leaves one out | Greater of ₱100 or 2 × ₱395, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱789 |
Should you borrow from HappyPera2?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱95 less than HappyPera2's published maximum of ₱395.
Choose HappyPera2 if
- you borrow ₱10,000 or less for up to four months: its published maximum stays within the SEC caps.
- you want to spread payments over as long as 360 days.
- you need up to ₱100,000.
- you have one valid ID and no payslip.
Skip HappyPera2 if
- you have no regular income: it asks for "steady source of income".
HappyPera2 requirements, customer service and how to pay
- Requirements
- Filipino citizen, 18 years old and above; Valid government ID; Steady source of income
- In its words
All you need is one valid government-issued ID
- help@rylicph.com
- Phone
- +63 927 865 0009
- Pay through
- The channels shown in the app for your loan
As HappyPera2 lists them on its Google Play listing, updated Sep 22, 2026. Use only these channels or the app itself. Source
If you cannot pay HappyPera2 on time
If all ₱5,395 of a ₱5,000, 120-day HappyPera2 loan fell due unpaid, the penalty could be at most ₱270 a month, and interest, fees and penalties together could never pass ₱5,000. Royal Yohoo Lending Investors Corporations's collectors, and any agency it hires, may not post your details, threaten you, call before 6 a.m. or after 10 p.m., or message anyone in your contacts except the guarantors you named (SEC MC No. 18 s.2019).
Complain to HappyPera2 first at help@rylicph.com or +63 927 865 0009. If that fails, report Royal Yohoo Lending Investors Corporations to the SEC on hotline 14732 or the iMessage portal, and report messages to your contacts to the National Privacy Commission at complaints@privacy.gov.ph. All eight prohibited collection practices.
This page covers HappyPera2's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact HappyPera2 first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about HappyPera2
Who owns HappyPera2?
Royal Yohoo Lending Investors Corporations (SEC Reg. No. CS201906145), per the SEC list dated Sep 29, 2026.
What is HappyPera2's interest rate?
HappyPera2 states (HappyPera2's Google Play listing, updated Sep 22, 2026): "Maximum APR 24%." On ₱5,000 for 120 days: interest of 1.97% a month and an all-in cost of 3.1% a month, higher because you repay in instalments but pay interest on the original amount the whole time.
What are the requirements for HappyPera2?
HappyPera2 lists (HappyPera2's Google Play listing, updated Sep 22, 2026): Filipino citizen, 18 years old and above; Valid government ID; Steady source of income.
What is HappyPera2's customer service number or e-mail?
Phone: +63 927 865 0009. E-mail: help@rylicph.com. As listed by HappyPera2 (HappyPera2's Google Play listing, updated Sep 22, 2026).
Does HappyPera2 call your contacts?
Royal Yohoo Lending Investors Corporations may not contact anyone in your phone contacts except the guarantors or co-makers you named, even if you allowed access (SEC MC No. 18 s.2019, Sec. 1(h), issued Aug 19, 2019). Raise it with HappyPera2 at help@rylicph.com, then the SEC on 14732.
Lowest-cost recorded apps for ₱5,000 over 120 days
No lender pays to appear on this site or to change its position.
- Pocketcash (Elending): at most ₱300 in interest and fees (18% a year × 120/360 days × ₱5,000 = ₱300 (interest and fees)); lends ₱1,000 to ₱50,000.
- Vplus: at most ₱300 in interest and fees (18% a year × 120/360 days × ₱5,000 = ₱300 interest); lends ₱1,000 to ₱50,000.
- Pesos.ph: at most ₱395 in interest and fees (24% a year × 120/365 days × ₱5,000 = ₱395 interest); lends ₱1,500 to ₱50,000.