Complaints Procedure

Why Pera Loans?
  • Apply from home
  • Responsible direct lender
  • Easy to understand and compare
  • Safe and secure process
  • We treat our clients with respect
  • Loans vary from £400.00 to £2000.00
  • You know you get the RIGHT product
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 £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 -

Your satisfaction is our priority

If you are not satisfied with any aspect of our service, we would like you to tell us your concerns.

You may contact us in any way which is convenient to you, whether by telephone in writing or by email. Should you wish to contact us in relation to any complaint, our details are as follows:

By phone: +44 203 757 1933

By letter: 2a Highfield Avenue, London, NW11 9ET

By email:

If your complaint involves a short term loan you have taken you should follow the procedure detailed below:

Upon receipt of your complaint we will do our best to resolve your complaint within 7 working days.

As a matter of course we will always provide you with FOS contact details and our complaints procedure upon prompt receipt of your complaint. This will be done by email unless otherwise requested.

If we need to investigate your complaint further to respond fully, we will tell you and keep you regularly updated.

We will send you our final response as soon as possible but within eight weeks of receiving your complaint.

Our final response will explain that you will have ultimate recourse to the Financial Ombudsman Service if you remain dissatisfied. You should contact the Financial Ombudsman Service within six months of receiving our final response.

Our trade association, the CCTA, runs a conciliation service and any complaints can also be emailed to, this is optional and can be sent before referring your complaint to the FOS within the eight week time frame.


Financial Ombudsman Service (FOS)

Exchange Tower
Harbour Exchange
E14 9SR
Tel: 0800 023 4567

We strive to continually offer a high level of customer service and will do everything we can to ensure your complaint is dealt with to your satisfaction.

  • 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. 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