Is SnaPera legit?
Yes. SnaPera 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 "SnaPera". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "SnaPera" | 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 SnaPera) | Google Play, updated Jun 25, 2026 |
| Price published | Yes: Maximum APR 36%. | Google Play, updated Jun 25, 2026 |
| Loan amount and term | ₱1,000 to ₱50,000, over 91 to 120 days | Google Play, updated Jun 25, 2026 |
| Google Play rating | 4.4 of 5 from 3,459 ratings, 500K+ installs, as of Oct 2, 2026 | Google Play, updated Jun 25, 2026 |
On ₱5,000 for 120 days, SnaPera'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. SnaPera on Google Play, updated Jun 25, 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 SnaPera with the other recorded apps, or get it from its official Google Play listing.
SnaPera interest rate and what you pay back
Maximum APR 36%.Its own example, ₱10,000 for 90 days
Total repayment: ₱10,000*18%/360*90+₱10,000=₱10,450
- 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 SnaPera's Google Play listing, updated Jun 25, 2026. The calculator gives the same ₱10,450 for SnaPera'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
SnaPera Disclosure Statement, worked out: ₱5,000 for 120 days
SnaPera 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 | SnaPera's published maximum | ₱600 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱600 |
| Simple annual rate | SnaPera 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 SnaPera?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱300 less than SnaPera's published maximum of ₱600.
Choose SnaPera 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.
- you have one valid ID and no payslip.
Skip SnaPera if
- you need more than 120 days to repay.
SnaPera requirements, customer service and how to pay
- Requirements
- One valid ID; Mobile number
- In its words
Apply online with 1 valid ID + mobile number
- cs@kusoglending.com
- Phone
- 09614774987, 09672775445
- Pay through
- Scheduled installments
As SnaPera lists them on its Google Play listing, updated Jun 25, 2026. Use only these channels or the app itself. Source
If you cannot pay SnaPera on time
If all ₱5,600 of a ₱5,000, 120-day SnaPera 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 SnaPera first at cs@kusoglending.com or 09614774987. 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.
- Kusog Pera listed as "Kusog Pera"
This page covers SnaPera's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact SnaPera first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about SnaPera
Who owns SnaPera?
Kusog Pera Lending Inc (SEC Reg. No. CS201916669), which also runs Kusog Pera, per the SEC list dated Sep 29, 2026.
What is SnaPera's interest rate?
SnaPera states (SnaPera's Google Play listing, updated Jun 25, 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 SnaPera?
SnaPera lists (SnaPera's Google Play listing, updated Jun 25, 2026): One valid ID; Mobile number.
What is SnaPera's customer service number or e-mail?
Phone: 09614774987, 09672775445. E-mail: cs@kusoglending.com. As listed by SnaPera (SnaPera's Google Play listing, updated Jun 25, 2026).
How do I pay my SnaPera loan?
SnaPera lists these channels (SnaPera's Google Play listing, updated Jun 25, 2026): Scheduled installments. 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 SnaPera 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 SnaPera at cs@kusoglending.com, then the SEC on 14732.
Cheaper than SnaPera 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.