HappyPera - Quick and Convenient Online Loans with Extremely Low Interest Rates, High Limits, Flexible Repayment Periods, and Many First-time Customer Offers in the Philippines.
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HappyPera is an application that allows users to quickly and easily borrow money online in the Philippines. It is a product of the Royal Yohoo Lending Investors Corporation, established in 2020 with the goal of providing a safe, fast, and convenient online loan service for users.

You can borrow money without having to go to a bank or traditional lending institutions. Simply download the HappyPera App to your phone, register an account, and verify your personal information. Then, you can choose the appropriate loan amount and submit a loan request. The approval and disbursement process will be carried out quickly and conveniently.

The app is committed to protecting users’ personal information and does not share it with third parties. Happy Pera App also offers a variety of loan products to meet the financial needs of users. You can borrow through installment plans, deferred payments, quick loans in just 15 minutes, or credit card loans.

Key features of the HappyPera App

  • Quick and easy loan application process, allowing you to register and borrow money in just a few minutes.
  • Competitive interest rates to help you save on borrowing costs.
  • No need to provide collateral to borrow money.
  • Happy Pera offers a variety of loan products to meet the financial needs of users.
  • The app is committed to protecting your personal information and does not share it with third parties.

By using HappyPera, you can quickly and conveniently address your financial needs. If you are interested in this app, download it and experience it now.

Loan Products at Happy Pera

Here is information about interest rates, loan limits, and repayment terms at HappyPera, as follows:

  • Loan limit: ₱3,000 – ₱10,000
  • Maximum annual interest rate: 24% per year
  • Repayment term: 90 to 120 days
  • Withdrawal fee: ₱30, service fee: ₱30

Example for a loan

If you borrow ₱5,000 with a repayment term of 120 days, it would be as follows:

  • The net amount received is ₱4,940 = ₱5,000 – ₱30 – ₱30.
  • On the due date, the total amount to be repaid is ₱5,400 = ₱5,000 + ₱5,000 * 24% / 360 * 120.

In addition to the above information, users can opt for installment payments and enjoy special offers for their first loan at HappyPera with a 0% annual interest rate.

Pros and Cons of HappyPera App


  • Quick and efficient registration and approval process, facilitating convenient loan disbursement for users.
  • Elimination of paperwork and collateral barriers, creating favorable conditions for individuals without assets to pledge.
  • Minimization of risks by providing detailed fee information, enabling borrowers to understand the costs and financial responsibilities involved.
  • The HappyPera mobile app is designed with simplicity, requiring only 3 straightforward steps to complete the registration process.
  • Encouragement for users to extend their credit limit and increase borrowing limits after timely repayments.
  • Positive support and customer service, with dedicated and helpful staff willing to assist customers.


  • Requirement for a significant amount of personal information from customers.
  • The app still experiences glitches during use.
  • The loan approval system is somewhat sluggish.

How to Apply for a Loan on the HappyPera2 App

To borrow money on HappyPera, you need to follow these steps:

Step 1: Download and install the HappyPera APK/IOS app on your phone from cashloanapp.net.

Step 2: Register an account and provide the required personal information, including name, phone number, email address, and financial details.

Step 3: Choose a loan product that suits your financial needs, enter the loan amount, and select the repayment period.

Step 4: Wait for the approval process and notification of the result. If your application is accepted, the money will be transferred directly to your account.

Step 5: Repay the loan and interest as agreed upon. You can make payments using a bank card or through a bank transfer.

Note: To borrow money from HappyPera, you need to meet certain requirements such as being between 20 and 60 years old, having a valid source of income, and having no bad debts. You also need to provide accurate personal and financial information for loan approval.

Guidelines for Repaying Loans on the App

To repay a loan on the HappyPera app:

  1. Log in to the app.
  2. Choose “Payment” or “Manage Loans.”
  3. Enter the repayment amount.
  4. Select the payment method (GCash, GrabPay, 7-Eleven, Cebuana Lhuillier, bank, etc.).
  5. Confirm and submit the payment.
  6. Receive payment confirmation.

Note: Maintain the payment schedule, contact customer support if needed, and update payment information when changes occur.

Contact information and customer support

  • Company Name: Royal Yohoo Lending Investors Corporation
  • Registered Business Name: Royal Yohoo Lending Investors Corporation
  • SEC Company Registration Number: SEC201906145
  • Authorization Certificate Number: 2940
  • Email: [email protected]
  • Website: https://happypera.ph
  • Address: Antel Global Corp Center, Ortigas Center, Pasig City, Philippines.

At HappyPera, customer support services operate 24/7. For inquiries, advice, or complaints, please use the contact information provided above.


Happy Pera is a convenient and reliable online loan application in the Philippines. With various loan products, competitive interest rates, and flexible repayment periods, HappyPera2 meets the diverse financial needs of users. However, to be approved for a loan, you need to provide accurate personal and financial information and adhere to the terms and conditions of the application. If you need to borrow money quickly and conveniently, HappyPera can be a good choice for you. Best of luck.

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