Happy Pera Lending App Review

Happy Pera

HappyPera is a renowned online money lending service in the Philippines, offering unsecured loans without the need for collateral. Under the name Royal Yohoo Lending Investors Corporations, HappyPera has garnered a reputation for its fast approval and disbursement process. With loans ranging from PHP 1000.00 to PHP 12000.00 and an interest rate of 0.03% per day, they cater to individuals seeking immediate financial assistance.

To be eligible for a loan, applicants must be between 18 and 60 years old, possess a steady source of income, and provide two government-issued IDs. While some customers have praised HappyPera’s efficiency, others have expressed concerns about high interest rates and undisclosed fees. Additionally, there have been allegations regarding the use of someone else’s mobile number for their services.

In this comprehensive review article, we will delve into the pros and cons of HappyPera as well as explore its exclusive features to understand its revolutionary loan services better.

Key Points Details
Company Name Happypera
Loan Service Type Comprehensive loan service without collateral or lengthy approval procedures
Interest Rates Range from 0.04% to 0.1% per day, competitive compared to other lending platforms in the Philippines
Loan Term Flexible, spanning from 91 to 180 days, providing borrowers with more time for repayment
Approval Time Quick approval process, averaging up to 24 hours
Application Process Single online application that connects borrowers with multiple financial institutions in the country, enhancing efficiency
Benefits – Fast approval – Low-interest loans – Convenient and efficient application process

Pros and Cons of HappyPera

HappyPera offers several advantages to borrowers, including quick approval procedures, low interest rates, and guidance on managing finances.

However, there are also some drawbacks to consider, such as mixed customer reviews and potential issues with transparency.

It’s important for individuals to weigh these pros and cons before deciding whether or not to use HappyPera’s loan services.


One advantage of using HappyPera is its quick loan approval process, which allows borrowers to access the funds they need in a timely manner. Unlike traditional lending institutions that often have lengthy approval procedures, HappyPera’s online platform enables users to complete the application process within minutes.

This means that borrowers can receive a decision on their loan application within 24 hours, providing them with the financial assistance they need without unnecessary delays.

Additionally, HappyPera offers guidance on managing finances, helping borrowers make informed decisions about their loans and improve their financial well-being.

The quick approval process and financial guidance provided by HappyPera make it a convenient option for individuals seeking fast and reliable access to credit.


Unfortunately, you might experience high interest rates and undisclosed fees when using HappyPera for your loan needs.

Some customers have complained about the high interest rates charged by HappyPera, which can be as much as 0.1% per day. This can significantly increase the overall cost of borrowing and make it difficult for borrowers to repay their loans on time.

Additionally, some customers have reported being surprised by additional fees and charges that were not clearly disclosed upfront. These hidden costs can further burden borrowers and make it challenging to manage their finances effectively.

It’s important to carefully review all terms and conditions before accepting a loan from HappyPera to fully understand the total cost of borrowing and ensure that it aligns with your financial capabilities.

What is HappyPera

To understand what HappyPera is, imagine a convenient online lending app that offers quick approval and the lowest interest rates to help you manage your finances effectively. HappyPera is a legal online lending and credit management platform in the Philippines.

Launched in March 2019, it operates under the Royal Yohoo Lending Investors Corporations. HappyPera provides financial services without requiring collateral or lengthy approval procedures, making it accessible to many individuals.

One of the key advantages of using HappyPera is its quick approval process, with loans typically being approved within 24 hours. Additionally, HappyPera offers guidance on managing finances effectively and provides some of the lowest interest rates in the market, ranging from 0.04% to 0.1% per day.

To be eligible for a loan with HappyPera, applicants need to meet certain requirements including being between 21 and 60 years old and a Filipino national. Valid IDs such as driver’s licenses or passports are required for application.

To apply for a loan with HappyPera, users can download and install the HappyPera app from either the Google Play Store or Apple App Store. The app allows users to easily provide their personal information and supporting documents required for loan processing.

Overall, HappyPera aims to provide an efficient and user-friendly platform for individuals seeking financial assistance without collateral requirements or complex application processes.

Loans provided by HappyPera

HappyPera offers a variety of loans to cater to different financial needs. Their mobile loan service allows borrowers to conveniently apply for a loan through their mobile devices.

They also provide small amount loans, making it accessible for those who only need a small sum of money.

Additionally, HappyPera’s emergency loan option is designed to provide quick financial assistance in urgent situations.

Mobile Loan

The convenience of applying for a loan through a mobile app is truly game-changing, allowing users to access financial assistance anytime, anywhere. HappyPera understands the importance of accessibility and has developed its own mobile loan feature to cater to the needs of its customers.

With the HappyPera mobile app, borrowers can easily apply for loans using their smartphones or tablets. The application process is simple and straightforward, taking only a few minutes to complete. Users can provide basic information about themselves and their financial history directly through the app.

This streamlined process eliminates the need for lengthy paperwork and physical visits to loan offices. HappyPera’s mobile loan feature brings convenience and efficiency to borrowers, making it easier than ever to obtain the financial support they need.

Small Amount Loan

Experience the convenience of obtaining a small loan through HappyPera’s mobile app, allowing you to access the financial assistance you need with ease and efficiency.

With HappyPera, you can borrow amounts ranging from PHP 2,000 to PHP 20,000, making it ideal for those who require immediate cash for emergencies or unexpected expenses.

The application process is simple and can be completed in just a few minutes using your smartphone. Once approved, the funds will be disbursed directly into your linked bank account, providing you with quick access to the money you need.

Plus, with HappyPera’s low interest rates starting from 0.04% per day and flexible repayment options such as bank transfer and remittance outlets, managing your loan has never been easier.

Don’t let financial constraints hold you back – experience the convenience of a small loan with HappyPera today!

Emergency Loan

Looking for quick financial assistance during emergencies? Look no further – get the funds you need with HappyPera’s hassle-free emergency loan!

When unexpected expenses arise, HappyPera is here to provide a convenient solution. With their easy application process and fast approval time, you can have the money in your account within 24 hours.

Whether it’s a medical emergency, car repairs, or any other urgent situation, HappyPera understands the need for immediate financial support. Their emergency loans range from PHP 2,000 to PHP 20,000, allowing you to borrow an amount that suits your needs.

Plus, with flexible repayment options and competitive interest rates starting at just 0.04% per day, HappyPera ensures that managing your loan is stress-free.

Don’t let emergencies catch you off guard – rely on HappyPera for reliable and efficient financial assistance when you need it most.

Interest Rate for HappyPera

With interest rates ranging from 0.04% to 0.1% per day, HappyPera offers you competitive loan options to meet your financial needs. Whether you need a small amount for emergency expenses or a larger sum for personal projects, HappyPera provides flexible repayment terms and reasonable interest rates.

The specific interest rate offered to each borrower depends on various factors such as credit history, income level, and loan amount. The interest rate is calculated daily based on the outstanding balance of the loan. This means that the longer it takes to repay the loan, the more interest will accumulate.

It is important to note that while HappyPera’s interest rates may seem high compared to traditional loans, they are still relatively lower than those offered by other online lending platforms in the market. Additionally, HappyPera aims to provide transparent and affordable financial solutions to its customers.

Before applying for a loan with HappyPera, it’s advisable to carefully consider your financial situation and ensure that you can comfortably afford the repayment terms. It’s also recommended to compare different loan options and explore alternative sources of financing before making a decision.

Overall, HappyPera strives to offer competitive interest rates that are in line with industry standards while providing quick approval processes and convenient repayment options for its customers.

HappyPera Loan Requirements

To apply for a loan through HappyPera, all you need is a steady source of income and two government-issued IDs. HappyPera aims to make the loan application process as simple and hassle-free as possible. They understand that not everyone has access to traditional collateral or extensive financial documents, so they have streamlined their requirements to focus on the most essential information.

Having a steady source of income is crucial because it assures HappyPera that you have the means to repay your loan. This can be in the form of regular employment or any other verifiable source of income.

The two government-issued IDs serve as proof of your identity and are necessary for verification purposes. These IDs can include your driver’s license, passport, SSS card, PhilHealth card, or any other valid identification document issued by the government.

By keeping their requirements straightforward, HappyPera ensures that more individuals can easily apply for loans without unnecessary complications. This approach allows them to cater to a wider range of borrowers who may not meet the stringent criteria set by traditional lending institutions.

How Do You Get Approved for HappyPera Loan

Securing approval for a HappyPera loan is straightforward and hassle-free, allowing individuals with a steady source of income and two government-issued IDs to easily access the funds they need.

To get approved for a HappyPera loan, applicants must meet certain eligibility requirements. First, they must be between 21 and 60 years old and a Filipino national. They also need to have a valid ID such as a driver’s license or passport. Additionally, applicants are required to provide supporting documents such as utility bills or permits to increase their chances of loan approval.

The application process for a HappyPera loan is simple and can be done through the HappyPera app. Applicants need to download and install the app on their mobile devices, create an account, and fill out the necessary information about themselves and their financial history. Once the application is submitted, it will be reviewed by HappyPera’s team of experts who will assess the applicant’s creditworthiness.

If approved, the loan amount will be disbursed directly into the borrower’s linked bank account. Repayment options include bank transfer or remittance outlets, providing borrowers with flexibility in making their monthly payments.

Overall, getting approved for a HappyPera loan is quick and convenient for eligible individuals who meet the necessary requirements.

HappyPera Customer Support

Need help with your HappyPera loan? Let their friendly customer support team guide you through any questions or concerns you may have. HappyPera understands the importance of providing excellent customer service and aims to assist borrowers in a timely and efficient manner.

To reach their customer support, you can visit HappyPera’s official website or Facebook page. The website provides detailed information about their services, frequently asked questions, privacy policy, and terms and conditions. You can also send an email to their support team at [email protected].

HappyPera values open communication with its customers and strives to address any issues promptly. Whether it’s clarifying loan terms, resolving payment concerns, or updating personal information, their customer support team is available to assist you.

In addition to online channels, HappyPera may also provide contact details for direct phone assistance. However, specific hotline numbers are not mentioned within the provided information. It’s advisable to check the official website or contact them through the given mobile number (0977 326 4693) for further clarification on reaching out via phone.

Overall, HappyPera aims to provide a positive experience for its borrowers by offering accessible and reliable customer support services.

Exclusive Features of HappyPera

Moving on to the exclusive features of HappyPera, this online lending platform offers a range of benefits that set it apart from other loan services.

One of its standout features is the quick approval process. HappyPera understands the urgency of financial needs and strives to provide a decision within 24 hours, allowing borrowers to access funds promptly.

Additionally, HappyPera provides valuable guidance on managing finances. They understand that borrowing money is just one part of the equation, so they offer resources and advice on budgeting and financial planning. This holistic approach sets them apart as a responsible lender that truly cares about their customers’ financial well-being.

Another notable feature is HappyPera’s commitment to offering some of the lowest interest rates in the market. With rates ranging from 0.04% to 0.1% per day, borrowers can secure loans at affordable terms.

Customer reviews often mention fast approval times and commendable customer service experiences when dealing with HappyPera. Their dedication to providing excellent support further enhances their reputation as a reliable lending institution.

Overall, these exclusive features make HappyPera an attractive option for individuals seeking hassle-free loans with competitive interest rates and exceptional customer support.

Whom HappyPera Loan Suits Better?

Discover the perfect loan solution tailored just for you with HappyPera’s exclusive features and benefits. HappyPera offers a revolutionary loan service that caters to a wide range of borrowers, making it suitable for various financial needs.

Whether you’re a young professional looking to fund your dream vacation, a student in need of extra cash for educational expenses, or an entrepreneur seeking capital for business growth, HappyPera has got you covered.

HappyPera is designed to accommodate individuals between the ages of 21 and 60 who are Filipino nationals. The platform understands that everyone has different financial circumstances and offers flexible repayment terms ranging from 91 to 180 days. This allows borrowers to choose a payment plan that best fits their budget and ensures a stress-free loan experience.

Furthermore, HappyPera takes pride in its quick approval procedures, ensuring that borrowers receive their funds within 24 hours. This is especially beneficial for those facing urgent financial situations or unexpected expenses.

Whether you have a stable income or irregular cash flow, HappyPera welcomes applicants from all employment backgrounds. As long as you meet the age and nationality requirements and provide valid identification documents such as a driver’s license or passport, you can apply for a loan with ease.

HappyPera’s versatile loan services make it an excellent choice for individuals from diverse backgrounds who require financial assistance. With its user-friendly application process, flexible repayment options, and fast approval times, HappyPera strives to provide convenient solutions that suit each borrower’s unique circumstances.

Frequently Asked Questions

How long does it take to get approved for a loan with HappyPera?

It typically takes 10-15 minutes to get approved for a loan with HappyPera. The application process is quick and straightforward, allowing borrowers to receive a decision in a short amount of time.

What are the acceptable forms of government-issued IDs for loan application with HappyPera?

Acceptable government-issued IDs for loan application with HappyPera include driver’s license, passport, SSS ID, PhilHealth ID, and UMID. These IDs are required for age and identity verification during the application process.

Does HappyPera charge any additional fees or charges besides the interest rate?

Yes, HappyPera may charge additional fees and charges besides the interest rate. However, the specific details of these fees and charges are not provided in the given information.

Can you apply for a loan with HappyPera if you are not a Filipino national?

No, only Filipino nationals are eligible to apply for a loan with HappyPera. The eligibility requirements include being 21 to 60 years old and a Filipino national with valid identification documents.

What are the repayment options available for HappyPera loans?

The repayment options for HappyPera loans include bank transfer, remittance outlets, and other payment methods. Borrowers can choose the most convenient option for them to repay their loans.


In conclusion, HappyPera is an online money lending service in the Philippines that provides unsecured loans without collateral. It has gained positive reviews from customers due to its fast approval and disbursement processes. However, some concerns have been raised about high interest rates and undisclosed fees. Despite these issues, HappyPera offers convenient repayment options and caters to a wide range of individuals with its eligibility criteria. Overall, HappyPera’s revolutionary loan services have made it a popular choice for those in need of quick financial assistance.

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