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Muning-ning! One click, and your Pera is on its way!

How much Pera do you need?
₱ 3,000
₱ 500
₱ 25,000
Benefits Of Online Loans

Trust the Muning! Why Choose PeraMuning?

100% Free Service

Our service is totally free, with no hidden charges. We're upfront about what you'll pay from the start.

Fast and Easy

With our quick and simple process, get your loan approved in as fast as 5 minutes! We're quick and efficient, Muning-style!

Simple and Flexible

We only ask for a few requirements, with super easy steps to help you find your ideal PeraMuning loan.

Safe and Secure

Your personal data is protected with advanced encryption. We guarantee your information is kept confidential.

Simple Steps to Money

Your PeraMuning Loan: As Easy as 1-2-3!

01

Tell Us What You Need

Choose your desired loan amount and fill out our simple online form with your accurate details. It’s that easy!

02

Get Loan Offers

You'll receive suitable loan offers from our trusted partner lenders. PeraMuning helps you compare and find the best option.

03

Receive Your Pera!

Once approved by your chosen lender, your Pera will be sent directly to your bank account or e-wallet.

Loan Options

Smart Ways to Use Your PeraMuning Loan!

For Emergencies
For Debt Consolidation
For Your Dreams
For Personal Needs
PeraMuning helps you bounce back, even during emergencies:
  • Quick cash for unexpected expenses, fast.
  • Easy online application, anytime, anywhere.
  • Funds directly to your account or e-wallet, hassle-free.
About PeraMuning

PeraMuning – Your Friendly "Pera" Paw-tner!

At PeraMuning.ph, we're passionate about offering you the best personal loan options in the Philippines.
Our main goal is to help you achieve your financial goals easily and quickly, by connecting you with loan offers that perfectly fit your needs.
With our adorable Muning (that's our cat mascot!), we want to show the speed, trust, and friendly approach that defines our service. Discover how PeraMuning can help make your financial journey smoother!
How It Works

Your PeraMuning Loan Journey:

At PeraMuning.ph, getting a personal loan is as easy as playing with a Muning! The entire online process can take as little as 5 minutes. We connect you with loan options ranging from 500 PHP to 25,000 PHP, so you can choose what’s best for you. Repayment terms are flexible, typically up to 6 months.
Are You Eligible for a PeraMuning Loan?
1
Filipino citizen, 18 years old and above
2
Currently residing in the Philippines
3
Have an active bank account or a verified e-wallet (e.g., GCash, Maya) in your name
4
Possess at least one (1) valid government-issued ID (e.g., UMID, Passport, Driver's License, PhilSys ID)
5
Have a stable source of income (lender may require proof)
6
Have an active Philippine mobile number and email address
FAQs

Muning's Got Answers!

What is PeraMuning.ph?
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PeraMuning.ph is an online loan comparison platform. We're not a direct lender, meaning we don't give out loans ourselves. Instead, we help you find and compare the best loan offers from our trusted partner lenders in the Philippines.
Is there a fee to use PeraMuning.ph?
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Nope! Using PeraMuning.ph is completely free for you. We don't charge any service fees to our users.
How much Pera can I borrow?
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Through PeraMuning.ph, you can find loan options typically ranging from 500 PHP to 25,000 PHP. The actual amount you can borrow will depend on the lender and your financial profile
Who can apply for a loan through PeraMuning.ph?
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Generally, Filipino citizens, 18 years old and above, currently residing in the Philippines, and who meet the lender's criteria (like having a valid ID and proof of income) can apply.
Can I still apply if I have a bad credit history?
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PeraMuning.ph aims to connect you with various lenders, some of whom may cater to different credit profiles. While final approval always depends on the individual lender's policies, we encourage you to still submit an application. Our goal is to help you find a suitable financial solution.
Operated by: Fininity OÜ
Copyright © PeraMuning.ph
Address: Paadi tee 3, Haabneeme, 74001 Harju maakond, Estonia.

Important Information from PeraMuning.ph

PeraMuning.ph is an online platform that connects borrowers with potential lenders. We are not a direct lender and do not issue loans ourselves. Our service helps users compare and choose suitable loan products from various SEC-registered lending partners in the Philippines.

Loan repayment terms offered by our partners typically range from 91 days to 180 days. The maximum Annual Percentage Rate (APR) offered through our platform is 427%, inclusive of interest and all applicable fees. The minimum APR is 0%. PeraMuning.ph does not charge users any service fees. The final loan terms, including APR and any fees, will be provided by the chosen lending partner before you sign any loan agreement.

Representative Loan Example:

For example, you apply for PHP 20,000 and choose repayment over 6 months, your monthly payment will be only PHP 5,000 per month, your total cost of the loan will be PHP 2,383 per month (APR = 143%). Always review the terms and conditions carefully before accepting any loan offer.

Responsible Lending:

PeraMuning.ph acts as an intermediary. We are not a financial institution and are not responsible for any credit agreements. Calculations are estimates; final terms are on the lender's site.

Loan Repayment:

PeraMuning.ph does not collect payments. Your lender will provide payment details and schedules.

Late Payments:

Contact your lender directly if you anticipate late payment. Late payments may incur additional charges and negatively affect your credit score.