Is Kusog Pera legit?
Yes. Kusog Pera is on the SEC list of recorded online lending platforms. It is run by Kusog Pera Lending Inc (SEC Reg. No. CS201916669, CA No. 3118). The SEC list dated Sep 29, 2026 records it as "Kusog Pera". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Kusog Pera" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Kusog Pera Lending Inc., CS201916669 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 3118 (as printed by Kusog Pera) | Google Play, updated Jul 28, 2026 |
| Price published | Yes: Maximum APR 36%. | Google Play, updated Jul 28, 2026 |
| Loan amount and term | ₱2,000 to ₱50,000, over 91 to 180 days | Google Play, updated Jul 28, 2026 |
| Google Play rating | 4.5 of 5 from 551 ratings, 100K+ installs, as of Oct 2, 2026 | Google Play, updated Jul 28, 2026 |
On ₱5,000 for 120 days, Kusog Pera's published terms come to at most ₱600 in interest and fees: interest of 3% a month and an all-in cost of 4.7% a month, higher because you repay in instalments but pay interest on the original amount the whole time. Kusog Pera on Google Play, updated Jul 28, 2026
Working: 36% a year × 120/360 days × ₱5,000 = ₱600 interest. The all-in rate is the monthly rate at which 4 payments of ₱1,400 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Within the SEC caps for this loan: interest 3% a month against the 6% cap; all-in 4.7% 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 Kusog Pera with the other recorded apps, or get it from its official Google Play listing.
Kusog Pera interest rate and what you pay back
Maximum APR 36%.Its own example, ₱10,000 for 120 days
Total Interest: ₱10,000*18%*4/12=₱600; Total Repayment: ₱10,600
- You pay back
- Up to ₱5,600
- Cash you receive
- ₱5,000
- Interest and fees
- Up to ₱600
- Interest a month, at most
- 3%
- All-in cost (EIR) a month, at most
- 4.7%
- Share of the loan
- 12%
Terms from Kusog Pera's Google Play listing, updated Jul 28, 2026. The calculator gives the same ₱10,600 for Kusog Pera'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
Kusog Pera Disclosure Statement, worked out: ₱5,000 for 120 days
Kusog Pera 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 | 36% a year × 120/360 days × ₱5,000 | Kusog Pera's published maximum | ₱600 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱600 |
| Simple annual rate | Kusog Pera publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 36% |
| Late penalty, at most | 5% × ₱5,600 due | SEC MC No. 14 s.2025 Sec. 3 | ₱280 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 × ₱600, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱1,200 |
Should you borrow from Kusog Pera?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱300 less than Kusog Pera's published maximum of ₱600.
Choose Kusog Pera if
- you borrow ₱10,000 or less for up to four months: its published maximum stays within the SEC caps.
- you need up to ₱50,000.
Kusog Pera requirements, customer service and how to pay
- Requirements
- At least 18 years old; Philippine resident; Valid government-issued ID; Active mobile number
- contact@kusogperaph.com
- Phone
- 0927 815 6480
- Pay through
- The channels shown in the app for your loan
As Kusog Pera lists them on its Google Play listing, updated Jul 28, 2026. Use only these channels or the app itself. Source
If you cannot pay Kusog Pera on time
If all ₱5,600 of a ₱5,000, 120-day Kusog Pera loan fell due unpaid, the penalty could be at most ₱280 a month, and interest, fees and penalties together could never pass ₱5,000. Kusog Pera Lending Inc'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 Kusog Pera first at contact@kusogperaph.com or 0927 815 6480. If that fails, report Kusog Pera Lending Inc 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.
Other apps from Kusog Pera Lending Inc
Kusog Pera Lending Inc runs 2 apps on the SEC list. They share one SEC registration and one Certificate of Authority, so a complaint about any of them goes against the same company.
- SnaPera listed as "SnaPera"
This page covers Kusog Pera's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Kusog Pera first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Kusog Pera
Who owns Kusog Pera?
Kusog Pera Lending Inc (SEC Reg. No. CS201916669), which also runs SnaPera, per the SEC list dated Sep 29, 2026.
What is Kusog Pera's interest rate?
Kusog Pera states (Kusog Pera's Google Play listing, updated Jul 28, 2026): "Maximum APR 36%." On ₱5,000 for 120 days: interest of 3% a month and an all-in cost of 4.7% a month, higher because you repay in instalments but pay interest on the original amount the whole time.
What are the requirements for Kusog Pera?
Kusog Pera lists (Kusog Pera's Google Play listing, updated Jul 28, 2026): At least 18 years old; Philippine resident; Valid government-issued ID; Active mobile number.
What is Kusog Pera's customer service number or e-mail?
Phone: 0927 815 6480. E-mail: contact@kusogperaph.com. As listed by Kusog Pera (Kusog Pera's Google Play listing, updated Jul 28, 2026).
Does Kusog Pera call your contacts?
Kusog Pera Lending Inc 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 Kusog Pera at contact@kusogperaph.com, then the SEC on 14732.
Cheaper than Kusog Pera 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.