Short term loans for Filipinos in the UK

Get in touch or apply online, we want to help!
  • Easy, quick and simple loans and we are a Direct Lender
  • No application fee AND no Faster Payment Fee
  • Only pay interest for the days you borrow from us
  • Loans from £400 to £2000
  • Compare Us
or apply by phone on 0203 397 1744 or 0794 622 0135 and one of our friendly team will be happy to help
Why Us

Why put your trust in Pera Loans?

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!

You will get money within hours, not days.

Representative example:

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 £10. The representative APR is 336.15% (138.82% per annum fixed).
Our loans are available between 3 and 6 months depending on the loan amount.

Warning: late repayment can cause you serious money problems. for help, go to -

PeraLoans Chat
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
PeraLoans Chat
PeraLoans Trustpilot
The application is very easy

The application is very easy and most of all the staff who assist me is very kind...

Joli Asemed
PeraLoans Trustpilot
Nice Staff friendly 😊 very kind

Nice Staff friendly 😊 very kind and fast transaction... always there to help you...

Bhongski Sales
PeraLoans Trustpilot
I love Pera Loans

I love Pera Loans! I love Ruth and Mau! I am always grateful to these two as...

PeraLoans Trustpilot
Peraloan is really helpful

Peraloan is really helpful specialy for those every Filipino leaving in the uk...


What our people say

Apply for a Pera Loan Now

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01. YOUR LOAN DETAILS — No application fee
Our new feature gives you more time to pay your loan at no extra cost! Find out more about how 'Easy-Start' works here.
    Personal APR:
    02. Personal Details

    Should start with 01, 02 or 07

    Should start with 07

    Other income includes any other income or benefits like: Child benefits, Working Family Tax Credit, Pension, Over time, Bonus, Extra work.
    Only include the portion of shared expenses you pay
    05. Employment details

    Should start with 01, 02, 03 or 08

    06. Payment Details — Secure Website
    Warning: late repayment can cause you serious money problems. for help, go to -

    Applicants will be credit checked prior to approval.

    Representative example
    £1000 for 6 months
    Interest rate
    pa (fixed)
    First payment:
    4 payments of:
    Last payment:
    Representative APR:
    Per Annum:
    Total repayment:
    Same day funding
    Our loans are available between 3 and 6 months depending on the loan amount.
    Warning: late repayment can cause you serious money problems. for help, go to -
    We Can Help

    PeraLoans can help you in hard times

    PeraLoans Home refurbishment
    Home refurbishment
    PeraLoans Vacation
    Travel Expense
    PeraLoans Tuition Fees
    Tuition Fees/ Education
    PeraLoans Money for loved ones
    Money for your loved ones (padala)
    PeraLoans Medical Expense
    Medical Expense
    PeraLoans House move
    Help towards a house move
    PeraLoans Health Wellness
    Health Wellness
    PeraLoans Visa process
    Visa process
    PeraLoans ccta
    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. 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 Application 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

    Terms and Conditions Confirmation

    This page (together with the documents referred to on it) tells you the terms of use on which you may make use of our website (our “Site”), whether as a [visitor/guest or a registered user]. Please read these terms of use carefully before you start to use the Site. By using our Site, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our Site.

    Information about us 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).


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    • 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.

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    Our charges

    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 repayment day.
    • 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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