Is PeraMoo legit?
PeraMoo is on the SEC list, but its published top rate is above the SEC caps on a ₱5,000, 120-day loan. It is run by Magician Of Money Lending Corp (SEC Reg. No. CS201918391, CA No. 3157). The SEC list dated Sep 29, 2026 records it as "PeraMoo". Being registered does not make every charge lawful: a charge above the caps can be reported to the SEC. SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "PeraMoo" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Magician Of Money Lending Corp., CS201918391 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 3157 (as printed by PeraMoo) | Google Play, updated Aug 6, 2026 |
| Price published | Yes: Daily interest rate 0.35%; maximum APR 126%; other fees ₱0. | Google Play, updated Aug 6, 2026 |
| Loan amount and term | ₱2,000 to ₱10,000, over 91 to 120 days | Google Play, updated Aug 6, 2026 |
| Google Play rating | 4.4 of 5 from 159,759 ratings, 5M+ installs, as of Oct 2, 2026 | Google Play, updated Aug 6, 2026 |
On ₱5,000 for 120 days, PeraMoo's published terms come to at most ₱2,100 in interest and fees: interest of 10.5% a month and an all-in cost of 15.7% a month, higher because you repay in instalments but pay interest on the original amount the whole time. PeraMoo on Google Play, updated Aug 6, 2026
Working: 0.35% a day × 120 days × ₱5,000 = ₱2,100 interest. The all-in rate is the monthly rate at which 4 payments of ₱1,775 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Above the SEC caps for this loan: interest 10.5% a month against the 6% cap (above it); all-in 15.7% a month against the 12% cap (above it) (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 PeraMoo with the other recorded apps, or get it from its official Google Play listing.
PeraMoo interest rate and what you pay back
Daily interest rate 0.35%; maximum APR 126%; other fees ₱0.Its own example, ₱7,000 for 100 days
Total Interest: ₱2,450 = ₱7,000 × 0.35% × 100 days
- You pay back
- Up to ₱7,100
- Cash you receive
- ₱5,000
- Interest and fees
- Up to ₱2,100
- Interest a month, at most
- 10.5%
- All-in cost (EIR) a month, at most
- 15.7%
- Share of the loan
- 42%
Stated interest of 10.5% a month is above the 6% nominal cap.
Terms from PeraMoo's Google Play listing, updated Aug 6, 2026. The calculator gives the same ₱9,450 for PeraMoo'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
PeraMoo Disclosure Statement, worked out: ₱5,000 for 120 days
PeraMoo 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 | 0.35% a day × 120 days × ₱5,000 | PeraMoo's published maximum | ₱2,100 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱2,100 |
| Simple annual rate | PeraMoo publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 126% |
| Late penalty, at most | 5% × ₱7,100 due | SEC MC No. 14 s.2025 Sec. 3 | ₱355 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 × ₱2,100, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱2,000 |
Should you borrow from PeraMoo?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱1,800 less than PeraMoo's published maximum of ₱2,100.
Skip PeraMoo if
- you borrow ₱5,000 for 120 days at its top rate: that is above an SEC cap.
- you need more than 120 days to repay.
- you need more than ₱10,000.
- you have no regular income: it asks for "stable source of income or employment".
PeraMoo requirements, customer service and how to pay
- Requirements
- 18 years old and above; Filipino citizen living in the Philippines; Stable source of income or employment; One valid government-issued ID
- permoo.cs@gmail.com
- Phone
- 09752302115
- Pay through
- The channels shown in the app for your loan
As PeraMoo lists them on its Google Play listing, updated Aug 6, 2026. Use only these channels or the app itself. Source
If you cannot pay PeraMoo on time
If all ₱7,100 of a ₱5,000, 120-day PeraMoo loan fell due unpaid, the penalty could be at most ₱355 a month, and interest, fees and penalties together could never pass ₱5,000. Magician Of Money Lending Corp'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 PeraMoo first at permoo.cs@gmail.com or 09752302115. If that fails, report Magician Of Money Lending Corp 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 PeraMoo's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact PeraMoo first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about PeraMoo
Who owns PeraMoo?
Magician Of Money Lending Corp (SEC Reg. No. CS201918391), per the SEC list dated Sep 29, 2026.
What is PeraMoo's interest rate?
PeraMoo states (PeraMoo's Google Play listing, updated Aug 6, 2026): "Daily interest rate 0.35%; maximum APR 126%; other fees ₱0." On ₱5,000 for 120 days: interest of 10.5% a month and an all-in cost of 15.7% a month, higher because you repay in instalments but pay interest on the original amount the whole time.
What are the requirements for PeraMoo?
PeraMoo lists (PeraMoo's Google Play listing, updated Aug 6, 2026): 18 years old and above; Filipino citizen living in the Philippines; Stable source of income or employment; One valid government-issued ID.
What is PeraMoo's customer service number or e-mail?
Phone: 09752302115. E-mail: permoo.cs@gmail.com. As listed by PeraMoo (PeraMoo's Google Play listing, updated Aug 6, 2026).
Does PeraMoo call your contacts?
Magician Of Money Lending Corp 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 PeraMoo at permoo.cs@gmail.com, then the SEC on 14732.
Cheaper than PeraMoo 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.