Is Pera4U legit?
No. Pera4U is not on the SEC list of lending apps. SEC En Banc Case No. 07-23-003 (Nov 23, 2023) names it as an online lending platform of Upeso.ph Lending Corporation, and it is not on the current list. It appears in 1 other SEC document, listed below. SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| On the SEC list of recorded online lending platforms (dated Sep 29, 2026) | No | SEC list, Sep 29, 2026 |
| SEC finding | 2 documents, latest SEC En Banc Case No. 07-23-003 of Nov 23, 2023 | SEC, Nov 23, 2023 |
The SEC has named Pera4U in 2 documents, most recently an SEC En Banc Case No. 07-23-003 dated Nov 23, 2023, which lists it as "PERA4U".
Next: find a lender on the SEC list instead, and report Pera4U if it contacted you.
The SEC record on Pera4U
“SEC En Banc Case No. 07-23-003 In the matter of: UPESO.PH LENDING CORPORATION WITH ONLINE LENDING PLATFORMS OPERATING UNDER THE NAME OF UPESO, PERA4U, PERALENDING, AND LOANMOTO”
| Date | SEC document | Named as |
|---|---|---|
| Nov 23, 2023 | SEC En Banc Case No. 07-23-003SEC En Banc Case No. 07-23-003 In the matter of: UPESO.PH LENDING CORPORATION WITH ONLINE LENDING PLATFORMS OPERATING UNDER THE NAME OF UPESO, PERA4U, PERALENDING, AND LOANMOTOIt names 4 apps | PERA4U |
| Sep 12, 2019 | SEC cease and desist orderINSTANT PERA; QUICKPERA; LENDMO PHILIPPINES; BINIXO; CASHBUS; CASHCAT;CASHUTTLE; CRAZYLOAN; FLASH CASH; HAPPY2PESO; HATULONG; MELOAN; MONEYTREE QUICKLOAN;PERA EXPRESS;PERA4U;PERAMART;PESOLENDING;QUICKPESO; and UMBRELLAIt names 18 apps | Pera4U |
These SEC documents name the app without a store address.
If you already used Pera4U
- Send Pera4U no more money, ID or bank details: the SEC named it in its SEC En Banc Case No. 07-23-003 dated Nov 23, 2023. The SEC's advisory of Aug 20, 2026 says not to transact with, send personal information to or pay any advance payment or fee to an app missing from its list.
- Switch off its contacts permission. A lender may not contact anyone in your phone contacts other than the guarantors you named, whether or not it is on the SEC list. (DICT, NPC and SEC, Mar 18, 2026)
- If it messaged your contacts or posted your photo, file with the National Privacy Commission: send its Complaints-Assisted Form (CAF) to complaints@privacy.gov.ph (privacy.gov.ph).
- Report Pera4U on SEC hotline 14732 or the iMessage portal. Lending without SEC authority carries a ₱10,000 to ₱50,000 fine, six months to ten years in prison, or both (RA 9474 Sec. 12).
Need a loan now? No lender pays to appear on this site or to change its position. Search the SEC list of recorded lending apps or compare the recorded apps by what you pay back. A recorded lender prints its company name, SEC Registration No. and Certificate of Authority No. in the app and its ads (SEC MC No. 19 s.2019, Sec. 1).
This page covers Pera4U's SEC record. To report it or a harassment campaign, use the SEC (hotline 14732) and the National Privacy Commission; to recover money or bring a case, see a lawyer.
Questions about Pera4U
Can Pera4U post me on Facebook or message my contacts?
No. Publishing a borrower's name and personal details as someone who refuses to pay is an unfair collection practice (SEC MC No. 18 s.2019, Sec. 1(d)). Call the National Privacy Commission on (+63) 2 5322 1322 local 114 or 115 about a post or message.
How do I remove my information from Pera4U?
Uninstall the app after switching off its contacts and photos permissions, then file a complaint with the National Privacy Commission using its Complaints-Assisted Form (CAF) sent to complaints@privacy.gov.ph.
Can I be jailed for not paying Pera4U?
The 1987 Constitution says: "No person shall be imprisoned for debt or non-payment of a poll tax." (1987 Constitution, Art. III, Sec. 20). Issuing a check that bounces is a separate offense under BP Blg. 22.