Isa na namang bagong Online Lending App ang lumabas ngayon sa Playstore at madalas itong lumalabas sa mga ads ng iba't-ibang website at pati din sa facebook. Malamang marami na ang nag-apply sa OLA na ito. Baka isa kana sa nadaan ng kanila ads at naisipan mong subukan ang app na ito. Bago kayo mag-apply, kailangan nyo munang silipin kung ano ba ang mayron sa app na ito bago nyo ituloy ang pangungutang sa kanila. Marami po ang nagsisi sa bandang huli dahil hindi tulong ang hatid nito sa kanila kundi sakit ng ulo at matinding problema.
Hindi nakasaad o nakasulat sa kanilang app description kung sila ay rehistrado sa SEC o Securities and Exchange Commission. Sinubukan kung hanapin din sila sa SEC registered online lending platforms pero hindi sila napasama sa mga nasa listahan. Kung yong rehistrado sa SEC ay nanghaharas at gumagawa ng mga kalokohon sa kanilang mga client, how much more itong hindi talaga rehistrado.
Tiningnan ko rin ang kanilang REVIEWS mula sa kanilang mga previous clients. Kasalukuyan pong mayron silang 3.4 Star Ratings. Para sa akin napakababa para sa isang legit at maaasahang online lending platforms. Based doon sa mga nagbigay ng reviews, hindi naman daw malaki ang kanilang interest rate pero bumabawi din ito sa very high PROCESSING FEES.
Yong isang umutang ay approved ng P3,000 pero ang nakuha lamang po nyang pera ay P1,600. Biruin mo halos kalahati ang binawas agad ng inyong inutang tapos magbabayad kapa ng buo plus interest pa. Sa palagay nyo po ba ay matutulongan kayo sa ganitong lending app? Kahit gaano ka tindi ang inyong pangangailangan, huwag mong pasukin ang ganitong uri ng lending platform dahil matinding problema talaga ang aabutin mo kapag ikaw ay pumasok sa kasunduan nila. Para sa karagdagang kaalaman, pakisuyong basahin ang nakasaad sa kanila App description sa Playstore na mababasa nyo rin sa ibaba at huwag kaligtaang basahin din ang kanilang mga reviews mula sa iba't-ibang borrowers ng lending app na ito.
What is Happy Peso?
Happy Peso is a newly invented Fintech platforms in the Philippine to provide sponsorship
services to Filipino customers. Our services are based on mobile security technology and big data innovation.
Features:
Easy to Apply: A few steps to fill out the application online no need to go out to signed contract paperless
Disbursement: Once you get approved just wait for 30 minutes to 1 hour to disbursed money
Maximum Loan Amount: ₱10,000 is the maximum loan amount that Happy Peso can offer for who are good customer
Low Interest Rate: For those who have a good record on Happy Peso will get the lowest interest rate and long repayment days.
·to Re-loan: Once the customer repays their loan, you will be eligible to re-loan
Quick Help: Customer Service Representative will help you for all the concerns on your loan immediately
Safe and Secure: Happy Peso will protect all the customer information and keep it confidential
Daily Interest: 0% to 1%
Age: 18 years old above
Loan Term: 91 days to 180 days
Service charge: From 0%
Amount：Up to 10,000 Pesos
Example: The principal amount is PHP 5,000, Service charge 44% and the interest rate is 0% to 1%, you will get PHP5,000-PHP5000*44%=PHP2800. Then the full amount will be paid at the expiration date: 5,000 * 0% +5,000= PHP5,000.
Who can apply for Happy Peso?
A Filipino citizen who is least 18 years old and up
A person who has at least 1 government ID
A person who is currently employed and have stable source of income.
How to apply?
Find Happy Peso on Google play Store download and install for free
Register with your mobile number, easy way application to apply
Provide your personal information and uploading ID and required document, no paperwork needed!
Choose your desire loan amount and preferred payment term
By applying your loan on Happy Peso system, immediately you will receive a SMS to confirmed your loan application
Expect call from one of the agents to verify your loan information
For granted application you will receive SMS within 24 hours and claim in nearest merchant partner
Approval process within 1 to 3 working days
Easy to see the loan status by login on system
Term of borrowed money will start when you received approval notice.
When you get money after approved?
From 9:00 am – 6:00pm, you can get your money after 30mins.
But if you will be approved after 6:00pm your money will be disbursed tomorrow morning.
How to received cash loan?
Claim your cash loan personally on the store you’ve chosen merchant partner M-Lhuillier, RD Pawnshop, Gcash or CoinPh.
We strive to get more merchant partners so that there will be tons of outlets available.
How to Repay loan?
User will be notified the deadline by SMS or Telephone calls to repay their personal loans or repay via online options:
7-Eleven: Go to nearest 7-Eleven and repay via CLIQQ machine
M-Lhuillier: Go to nearest M-Lhuillier fill out needed information on bills payment form
RD Pawnshop Go toRD Pawnshop , fill out needed information on bills payment form
GCash: Open your Gcash app, click pay bills to access loans option
After Repay Loan:
Happy Peso will automatically be received proof of payment and it will automatically clear the record system and treat you as paid.
Once you paid it back you will eligible to re-apply again for your next loan
Happy Peso allows early repayment
The Quality of Happy Peso
Online experience
Safe and Confidential
Increase Loan limit
Service with high quality
Permission:
System will ask your permission to access the GPS/ Contacts / Camera for scanning required documents.
Don't hesitate to ask questions!
Contact us
EMAIL: Happypesocs@gmail.com
Phone: 09196390779
Vision: Make everyone has Peso
1806 CITYLAND, PASONG TAMO TOWER, 2210 CHINO ROCES AVE, PIO DEL PILAR, CITY OF MAKATI, NCR,4TH DISTRICT, PHILIPPINES
YONG mga nakasulat sa kanilang App description ay karamihan hindi totoo lalo na pagdating sa kanilang interest rate at pati din ang kanilang processing fees. UGALIING mapanuri at mapagmatyag, huwag agad maniwala. Hindi lahat ng pera na matatanggap nyo at maaring magpapasaya sa iyo. Marami din dito ay magbibigay ng lungkot at problema. Mag-isip muna ng mabuti bago ituloy ang pangungutang sa kanila.
RECOMMENDATION:
Huwag subukan kahit kayo ay may matinding pangangailangan.
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