A Pera Loan is designed for Filipino community to help if you have an unexpected expenses & need a little extra cash. We are an affordable, friendly and flexible solution to suit your financial needs. We understand Overseas Filipino Worker (OFW) needs here in the UK. Don’t worry, your data is safe with us as we have advanced technology to protect your personal details. Never worry about cash for your loved ones back home, feel at ease knowing Pera Loans are right for you!
Borrow £1000 for 6 months. The total repayment amount will be £1487.90 with first payment of £212.55, 4 payments of £283.40 and last payment of £141.75. There is no card verification cost. The maximum arrears fee charged per loan is capped at £15. The representative APR is 336.15% (138.82% per annum fixed).
All our loans are available for a duration of 3 to 6 month.
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We Can Help
PeraLoans can help you in hard times
Vacation / Holiday
Tuition Fees/ Education
Money for your loved ones (padala)
Help towards a house move
Member of the Trade Assocation
The CCTA are an association representing businesses who provide credit to consumers. They work to guide members through stringent industry regulation, offering uncompromising practical help to ensure companies run effectively and ethically in this competitive arena.
Peraloans.co.uk is a trading name of Western Circle Ltd, a direct lender authorised and regulated by the Financial Conduct Authority (FCA).
We are best described by the following three words -Friendly, responsible & affordable! We are receiving and assessing thousands of short term loan requests every month and we are very serious about giving our clients the right loan solution for their current financial situation. While our aim is to provide financial assistance to as many individuals as possible, we do not want to burden you with a loan you cannot afford or pay back. To ensure that a loan is a good fit, we have a unique affordability test that helps us create a realistic loan arrangement for you.
As a responsible lender we want you to completely understand our products and have a peace of mind working with our well trained team. Our goal is to provide you the right product, a product that will really help you to get across a temporary financial stress. You must meet the following minimum requirements to apply for our responsible loans
Affordable Short-Term Loans
You must hold a valid UK bank account that accepts direct debit.
You must be 23 or over to apply.
You must be a resident and be eligible to work in the United Kingdom
You must be employed and receive a regular salary.
Your salary must be paid directly into your bank account.
Peraloans.co.uk is committed to providing a good service to consumers and treating them fairly. As always, if you have any questions or queries with regards to our loans you can call us on 0203 397 1744 / 07946 220135 or email us at firstname.lastname@example.org
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our website www.peraloans.co.uk (our “Site”), whether as
Information about us
www.peraloans.co.uk is a site operated by Western Circle Limited
("We" or "Us")). We are a limited company registered in England and Wales under company number 7581337 and have
our registered office at 2a Highfield Avenue, London, NW11 9ET. Our main trading address is 2a Highfield Avenue,
London, NW11 9ET.
We are authorised and regulated by The Financial Conduct Authority (FCA Interim Permission License: 651725).
ACCESSING OUR SITE
Access to our Site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service
we provide on our Site without notice (see below). We will not be liable if for any reason our Site is
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From time to time, we may restrict access to some parts of our Site, or our entire Site, to users who have
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If you choose, or you are provided with, a user code, password or any other piece of information as part of our
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party. We have the right to disable any user code or password, whether chosen by you or allocated by us, at any
You are responsible for making all arrangements necessary for you to have access to our Site. You are also
responsible for ensuring that all persons who access our Site through your internet connection are aware of
these terms, and that they comply with them.
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right to use our Site will cease immediately and you must, at our option, return or destroy any copies of the
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be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such
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Our site changes regularly
We aim to review our Site regularly, and may change the content at any time. If the need arises, we may suspend
access to our Site, or close it indefinitely. Any of the material on our Site may be out of date at any given
time, and we are under no obligation to update such material.
The material displayed on our Site is provided without any guarantees, conditions or warranties as to its
accuracy. To the extent permitted by law, we, other members of our group of companies and third parties
connected to us hereby expressly exclude:
All conditions, warranties and other terms which might otherwise be implied by statute, common law or the
law of equity.
Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection
with our Site or in connection with the use, inability to use, or results of the use of our Site, any
websites linked to it and any materials posted on it, including, without limitation any liability for:
loss of income or revenue;
loss of business;
loss of profits or contracts;
loss of anticipated savings;
loss of data;
loss of goodwill;
wasted management or office time; and
for any other loss or damage of any kind, however arising and whether caused by tort (including negligence),
breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims
for loss of or damage to your tangible property or any other claims for direct financial loss that are not
excluded by any of the categories set out above.
This does not affect our liability for death or personal injury arising from our negligence, nor our liability
for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which
cannot be excluded or limited under applicable law.
such processing and you warrant that all data provided by you is accurate. Transactions concluded through our
Contracts for the supply of financial services formed through our Site or as a result of visits made by you are
governed by our terms and conditions.
You agree to provide us with all relevant proof of identification that we reasonably request, including proof of
identity and proof of nominated bank current account and associated debit card.
Our products are designed with the FCA cap in mind, as well as affordability for our clients. We enforce strict
cost control on open loans, loans in default and rollovers. We never charge hidden fees and, prior to any loan,
we always present to our client all the costs involved during the life cycle of his/her loan.
All our short-term loans are defined with the following cost framework:
Total cost Cap of 100% – the maximum loan value we allow is twice the principle. So if you
borrowed £200 your will never have to pay more than £400.
Card authorization fees: £0 – no card authorization fees are applied.
CPA cap to 2 tries per installment. – our system will try to collect
Default fees are £15 and paid only once per loan if client fails to pay by 5pm on a scheduled
Arrears interest: 0% – all our loans have no penalties interest. You simply continue to pay the
ongoing daily interest.
Daily interest: all our loans are capped with maximum daily interest rate of 0.8%. The actual interest is
calculated according to the amount and the duration of the requested loan. The maximum interest cap covers
all loan statuses including rollover, loans in arrears and any operational fees.
Days in arrears cap of 60 days – Your loan arrears interest is accrued for a maximum of 60 days
In the event that you are in a DMP, IVA or are currently bankrupt you may not apply to us for any financial
services or products that we offer on our Site.
In the event that you enter into a DMP or IVA, or are made bankrupt, after you enter into an agreement with us,
you must notify us immediately.
Viruses, hacking and other offences
You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material
which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site, the
server on which our Site is stored or any server, computer or database connected to our Site. You must not
attack our Site via a denial-of-service attack or a distributed denial-of service attack.
By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will
report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities
by disclosing your identity to them. In the event of such a breach, your right to use our Site will cease
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other
technologically harmful material that may infect your computer equipment, computer programs, data or other
proprietary material due to your use of our Site or to your downloading of any material posted on it, or on any
website linked to it.
Linking to our site
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our
reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of
association, approval or endorsement on our part where none exists.
You must not establish a link from any website that is not owned by you.
Our Site must not be framed on any other site, nor may you create a link to any part of our Site other than the
home page. We reserve the right to withdraw linking permission without notice. The website from which you are
linking must comply in all respects with the content standards set out in our acceptable use policy.
If you wish to make any use of material on our Site other than that set out above, please address your request to
Links from our site
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for your information only. We have no control over the contents of those sites or resources, and accept no
responsibility for them or for any loss or damage that may arise from your use of them.
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matter or formation (including non-contractual disputes or claims) shall be governed by and construed in
accordance with the law of England and Wales. In the event that you are resident outside England and Wales (for
example in Scotland) we will issue proceedings through the applicable local Court.
formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with
the law of England and Wales.
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