Is PeraSure legit?
PeraSure 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 SULIT LENDING CORPORATION (SEC Reg. No. 2020100002616-03, CA No. 3333). The SEC list dated Sep 29, 2026 records it as "PeraSure". The company was formerly E-Borrow Lending Corp (SEC list remarks). 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 "PeraSure" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | SULIT LENDING CORPORATION, 2020100002616-03 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 3333 (as printed by PeraSure) | Google Play, updated Sep 3, 2026 |
| Price published | Yes: Maximum APR 131%; transaction fee 0; no DST or GRT. | Google Play, updated Sep 3, 2026 |
| Loan amount and term | ₱5,000 to ₱50,000, over 91 to 180 days | Google Play, updated Sep 3, 2026 |
| Google Play rating | 4.0 of 5 from 209 ratings, 100K+ installs, as of Oct 2, 2026 | Google Play, updated Sep 3, 2026 |
On ₱5,000 for 120 days, PeraSure's published terms come to at most ₱2,153 in interest and fees: interest of 10.77% a month and an all-in cost of 16% a month, higher because you repay in instalments but pay interest on the original amount the whole time. PeraSure on Google Play, updated Sep 3, 2026
Working: 131% a year × 120/365 days × ₱5,000 = ₱2,153 interest. The all-in rate is the monthly rate at which 4 payments of ₱1,788 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Above the SEC caps for this loan: interest 10.77% a month against the 6% cap (above it); all-in 16% 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 PeraSure with the other recorded apps, or get it from its official Google Play listing.
PeraSure interest rate and what you pay back
Maximum APR 131%; transaction fee 0; no DST or GRT.Its own example, ₱10,000 for 120 days
Total Interest: ₱10,000.00 × 30% × 120 / 365 = ₱986.30
- You pay back
- Up to ₱7,153
- Cash you receive
- ₱5,000
- Interest and fees
- Up to ₱2,153
- Interest a month, at most
- 10.77%
- All-in cost (EIR) a month, at most
- 16%
- Share of the loan
- 43.1%
Stated interest of 10.77% a month is above the 6% nominal cap.
Terms from PeraSure's Google Play listing, updated Sep 3, 2026. The calculator gives the same ₱10,986 for PeraSure'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
PeraSure Disclosure Statement, worked out: ₱5,000 for 120 days
PeraSure 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 | 131% a year × 120/365 days × ₱5,000 | PeraSure's published maximum | ₱2,153 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱2,153 |
| Simple annual rate | PeraSure publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 131% |
| Late penalty, at most | 5% × ₱7,153 due | SEC MC No. 14 s.2025 Sec. 3 | ₱358 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 × ₱2,153, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱2,000 |
Should you borrow from PeraSure?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱1,853 less than PeraSure's published maximum of ₱2,153.
Choose PeraSure if
- you need up to ₱50,000.
Skip PeraSure if
- you borrow ₱5,000 for 120 days at its top rate: that is above an SEC cap.
PeraSure requirements, customer service and how to pay
- Requirements
- Filipino citizen; At least 18 years old; One valid government-issued ID; Valid mobile number
- customercare@perasure.ph
- Phone
- +63282712800
- Pay through
- GCash, Maya, GrabPay, M Lhuillier, RD Pawnshop, 7-Eleven, Cebuana, BDO, BPI, UnionBank, Metrobank
As PeraSure lists them on its Google Play listing, updated Sep 3, 2026. Use only these channels or the app itself. Source
If you cannot pay PeraSure on time
If all ₱7,153 of a ₱5,000, 120-day PeraSure loan fell due unpaid, the penalty could be at most ₱358 a month, and interest, fees and penalties together could never pass ₱5,000. SULIT LENDING CORPORATION'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 PeraSure first at customercare@perasure.ph or +63282712800. If that fails, report SULIT LENDING CORPORATION 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 SULIT LENDING CORPORATION
SULIT LENDING CORPORATION 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.
- GoraLoan listed as "GoraLoan"
This page covers PeraSure's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact PeraSure first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about PeraSure
Who owns PeraSure?
SULIT LENDING CORPORATION (SEC Reg. No. 2020100002616-03), which also runs GoraLoan, per the SEC list dated Sep 29, 2026.
What is PeraSure's interest rate?
PeraSure states (PeraSure's Google Play listing, updated Sep 3, 2026): "Maximum APR 131%; transaction fee 0; no DST or GRT." On ₱5,000 for 120 days: interest of 10.77% a month and an all-in cost of 16% a month, higher because you repay in instalments but pay interest on the original amount the whole time.
What are the requirements for PeraSure?
PeraSure lists (PeraSure's Google Play listing, updated Sep 3, 2026): Filipino citizen; At least 18 years old; One valid government-issued ID; Valid mobile number.
What is PeraSure's customer service number or e-mail?
Phone: +63282712800. E-mail: customercare@perasure.ph. As listed by PeraSure (PeraSure's Google Play listing, updated Sep 3, 2026).
How do I pay my PeraSure loan?
PeraSure lists these channels (PeraSure's Google Play listing, updated Sep 3, 2026): GCash, Maya, GrabPay, M Lhuillier, RD Pawnshop, 7-Eleven, Cebuana, BDO, BPI, UnionBank, Metrobank. You should get a payment reference or receipt in the app; if none appears, the payment has not posted, so keep your proof of payment.
Does PeraSure call your contacts?
SULIT LENDING CORPORATION 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 PeraSure at customercare@perasure.ph, then the SEC on 14732.
Cheaper than PeraSure 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.