E-Perash -Philippines Loan App

E-Perash is a Philippines fin-tech company that provides accessible online cash loan services to all Filipinos. We aim to give alternative financial services to underserved customers. By availing our easy loan application process, E-Perash can meet your financial needs and help you build your financial identity. E-Perash executives come from outstanding financial institutions such as HomeCredit and Tala to name a few. We are committed to providing efficient, convenient and secure credit products to Filipinos.

2. E-Perash is in full compliance with the laws and regulations set by government agencies such as the SEC, NPC, BIR, etc. We do not require collaterals when availing of our product. Your personal information and privacy are strictly protected. Compared with other online lending companies, we won't call your family for debt.

3. Product-specific introduction
3.1 How to apply
• Download the E-Perash App on Apple Store.
• Fill up our fast loan application in the app.
• Submit a valid government-issued ID (Driver's License, SSS ID, UMID, TIN ID, PRC ID) Get approved instantly!

3.2 How to get money
• Your money will be deposited directly to your preferred cash-out option such as Bank Transfer or Cash Pickup at Padala Centers.

3.3 How long is your loan term?
Loan term: 91 days -365 days.
Repayment installments: 2 periods, the first repayment date is day 30, second repayment date is on the maturity day.
Loan amount: ₱1000 - ₱20,000.
Max APR: 36%, including all interests and processing fees.
Interest: 0%.
Processing fee: 6%-20%, depending on the period you selected.

Example:
Loan amount: ₱10000
Processing fee: 10% (₱1000)
Loan term: 180 days with 2 periods, first repayment date at day 30, second repayment date at day 180.
Monthly interest rate: 0% (₱0)
Monthly repayment sample:
₱5500 at 1st month end,
₱0 at 2nd month end,
₱0 at 3rd month end,
₱0 at 4th month end ,
₱0 at 5th month end,
₱5500 at 6th month end.
Total payment: ₱11000
APR% is 34%.

3.4 How to repay
Repaying with E-Perash has never been this easy! Choose among thousands of our partners such as Skypay, 7Eleven, GCash, M Lhuillier, and more! You may settle your loan with the following payment partners:

-7/11
-M Lhuillier
-GCash
-ECPay
-RD Pawnshop


To avoid possible issues with your payment, please make sure to use the correct repayment code which could be only queried from E-Perash App. Payment posting will be within 24 hours. For any updates in your account, you may refer to our E-Perash App or our website: https://www.e-perash.com/

E-Perash will not provide any Bank account for the client to make the repayment.

4. Benefits of continuous use of the product
E-Perash can meet your financial needs and help you build your financial identity. Our loan application is easy and allows you to borrow money immediately and your information will be kept confidential strictly! Keep repayments on-time will lead to a higher credit limit and lower charge! We will also constantly upgrade it to bring you more consumption merchants with direct payment by loan, longer-term for installment, and better equity system and other services.

5. Application requirements
Available for Filipinos aged 20 – 60 years old with a valid government-issued ID.

6. Corporate Information

We provide convenient, secure and comfortable loan service to make everyone trustworthy and living easier with using cutting-edge technologies, we create a sustainable scheme allowing strangers that have been left behind by traditional banks to be trusted anyway.

Scoreone Financing Corp.
Company Registration No.:CS201919995
Certificate of Authority No.1257

E-Perash will always remind you to check all fees/charges and terms and conditions of your loan offer before accepting the terms. E-Perash will never charge you more than our fees aside from any applicable penalty for past due accounts