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.
Warning: late repayment can cause you serious money problems. for help, go to -
Most Filipino go abroad to find greener pasture in other countries work as a Nurse, Carer, child-minders to name but a few.
Pera Loans will be happy to help our Filipino Community to avoid worrying about cash for your loved ones back home. Don’t take our word for it, here are what some of our customers say
Miss E from London got in touch and said:
PeraLoans fantastic simple & very easy... How to apply just send all your details you need... Within in the next 4 hours your loan will be forwarded in your account...
Miss T, a nurse from Homerton University Hospital said:
Western Circle - Peraloans very supportive, always there tp listen your needs... Very flexible and helpful company... Thank you for big help to me and my family. God bless you.
Mr M from London also said:
5 stars, I am Peraloan customer for a long period
The application is very easy
The application is very easy and most of all the staff who assist me is very kind...
Nice Staff friendly 😊 very kind
Nice Staff friendly 😊 very kind and fast transaction... always there to help you...
I love Pera Loans
I love Pera Loans! I love Ruth and Mau! I am always grateful to these two as...
Peraloan is really helpful
Peraloan is really helpful specialy for those every Filipino leaving in the uk...
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We Can Help
PeraLoans can help you in hard times
Tuition Fees/ Education
Money for your loved ones (padala)
Help towards a house move
Member of the Trade Assocation
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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 email@example.com
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our website www.peraloans.co.uk (our “Site”), whether as
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("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,
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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
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