Kapag naghahanap ng loan online, importante na siguraduhing legitimate lender ang kausap mo at nasa tamang website ka. Maraming scammers ang gumagawa ng fake websites, social media accounts, at messages na maaaring magmukhang galing sa isang totoong lending company.

Kaya gusto naming ipaalala sa lahat ng borrowers at applicants ng Pera Sayo:

Ang Official Website ng Pera Sayo ay:

https://perasayo.ph

Ang perasayo.com ay HINDI official website ng Pera Sayo Lending Inc. Hindi namin pagmamay-ari, pinapatakbo, o awtorisado ang website na ito.

Nalaman namin na ginagamit ng website na ito ang ilang company details ng Pera Sayo nang wala ang aming pahintulot. Ini-report na namin ang naturang website sa kinauukulang awtoridad.

Kung gusto mong mag-apply, mag-log in, o kumuha ng official information tungkol sa Pera Sayo, siguraduhing perasayo.ph ang website na binibisita mo.

Paano Malalaman Kung Legit ang Isang Online Lender?

Bago magbigay ng personal information o mag-apply ng loan, mag-check muna nang mga sumusunod:

1. I-check kung SEC-registered ang lending company

Sa Pilipinas, hindi sapat na may magandang website o Facebook page ang lender. A lending company must be registered and have the proper authority from the Securities and Exchange Commission (SEC) to conduct lending business.

Pera Sayo Lending Inc. is listed by the SEC as a registered lending company under:

SEC Registration No.: CS201821932
Certificate of Authority No.: 2790

2. Mag-ingat kung humihingi ng pera bago i-release ang loan

Isa ito sa pinakamalaking red flags.

Halimbawa, sinabi ng agent:

"Approved na ang ₱30,000 loan mo. Magbayad muna ng ₱2,000 processing/release fee bago namin ipadala ang pera."

Huwag agad magpadala ng pera.

The SEC specifically warns borrowers about advance-fee scams and advises borrowers to verify lending companies and online lending platforms before transacting.

3. Check the website address carefully

Scammers can copy:

• Company name

• Logo

• Photos

• SEC information

• Office address

• Website content

Kahit mukhang professional ang website, hindi ibig sabihin na official ito.

For Pera Sayo, always check the address bar:

✅ Official: perasayo.ph

❌ Not ours: perasayo.com

Huwag basta magtiwala dahil lang nakalagay ang pangalan o company information ng Pera Sayo.

4. Huwag magtiwala sa "Guaranteed Approval"

Legitimate lenders still need to evaluate your application.

Be careful with messages such as:

"100% approved!"
"Guaranteed loan!"
"No verification needed!"

Sa Pera Sayo, submitting an application does not guarantee approval. Your application and supporting documents must first go through our regular verification and credit evaluation process.

Ang bawat loan application ay kailngang ma-verify alinsunod sa requirements at gabay ng SEC at Anti-Money Laundering Commission.

5. Dapat malinaw ang loan terms bago ka pumirma

Before accepting a loan, you should be able to review important information such as:

• Loan amount

• Interest and applicable fees

• Repayment schedule

• Amount you need to pay

• Due dates

• Other important terms and conditions

The SEC advises online borrowers to read and understand the loan agreement, including interest, fees, charges, payments, and due dates.

Kung ayaw ipakita sa iyo ang loan terms at pinipilit kang magbayad o pumirma agad, red flag iyon.

6. Be careful when someone asks for sensitive information

Huwag basta magbigay ng:

• OTP

• Password

• PIN

• Online banking password

• E-wallet PIN

Never share your OTP with anyone, even if the person claims to be from Pera Sayo.

Legit Lender vs. Possible Loan Scam

Bago Mag-Apply, Remember: STOP – CHECK – VERIFY

STOP — Huwag agad magbigay ng personal information o magpadala ng pera.

CHECK — Tingnan nang mabuti ang website, company name, loan terms, at contact information.

VERIFY — I-check sa SEC kung legitimate at authorized ang lending company. The SEC itself recommends confirming the registration of lending companies and online lending platforms before transacting.

Apply Safely with Pera Sayo

Kung gusto mong mag-apply o malaman ang tungkol sa Pera Sayo, gamitin lamang ang aming official channels.

🌐 Official Website: https://perasayo.ph
📱 WhatsApp: +63 945 632 4669
📧 Email: info@perasayo.ph

Kung makakita ka ng website, Facebook page, message, o taong gumagamit ng pangalan ng Pera Sayo at nagdududa ka kung official ito, huwag munang magbigay ng personal information o magpadala ng pera. Contact us first so we can help you verify it.

Pera Sayo Lending Inc.
SEC Reg. No. CS201821932
Certificate of Authority No. 2790

Para sa Pangarap Mo. Para sa mga Mahal Mo.