PeraJet loan app review Philippines: legit? harassment complaints?

Is the PeraJet loan app legit or another scam preying on Filipinos in need of quick cash? Many users have reported harassment and questionable practices, while others confirm receiving legitimate loans. In this updated 2026 review, we verify PeraJet’s SEC registration, summarize real user complaints, and evaluate whether this lending app is safe or risky to use in the Philippines.

What is PeraJet Loan App?

PeraJet is a digital lending platform in the Philippines that claims to provide instant cash loans online with minimal requirements and fast approval. Borrowers can apply through the PeraJet lending app, available for both Android (APK) and iOS users.

The app promises easy access to funds — usually ₱1,000 to ₱20,000 — within minutes after approval. However, despite the convenience, borrower complaints about data privacy violations and aggressive collection tactics have raised concerns about its legitimacy and ethics.

Is PeraJet SEC Registered? (Updated 2026)

Unlike many unlicensed cash loan apps, PeraJet lending corporation is officially registered with the Securities and Exchange Commission (SEC) of the Philippines.

• SEC Registration No.: CS201629480

• Certificate of Authority No.: 2639

This means PeraJet is legally authorized to operate as a lending company in the Philippines. However, while registration ensures legal operation, it doesn’t automatically guarantee ethical practices — as harassment complaints still persist.

Expert Tip: Always double-check the SEC registration details on the SEC official website before borrowing. Fake or copycat apps sometimes use legitimate company names or numbers to deceive users.

PeraJet Harassment Complaints and Investigation

Despite being SEC registered, PeraJet has received numerous harassment complaints from borrowers across Reddit, Facebook, and consumer review forums.

1. Alleged Harassment of Borrowers

Several users report that after missing payments, PeraJet collectors send threatening messages, call multiple contacts, or publicly shame borrowers on social media. These actions are considered violations of the Data Privacy Act of 2012.

2. Reports of Misleading or Unethical Collection Practices

Victims claim that collectors use fake names, spoofed numbers, and scare tactics to pressure repayment. Some even receive harassment messages after loans are fully paid.

3. Investigation and Where to File Complaints

Although no official SEC enforcement action has been publicly released, borrowers are encouraged to report abusive behavior to:

• National Privacy Commission (NPC) – for data privacy violations

• Cybercrime Investigation and Coordinating Center (CICC) – for digital harassment

• SEC Enforcement and Investor Protection Department (EIPD) – for abusive collection practices

If you are a victim, you can file reports through the official SEC complaint portal or email them with full evidence (screenshots, messages, app records).

Legit or Scam? User Reviews and Real Experiences

Based on borrower feedback, PeraJet functions as a legitimate but controversial loan provider. Users confirm that the app does disburse real loans, but experiences vary widely.

Common Positive Feedback

• Fast approval and disbursement (within 15–30 minutes)

• Simple loan application and approval process

• Convenient repayment through GCash, Maya, or 7-Eleven

Common Complaints

• High interest rates (15–35% or more)

• Unclear repayment terms and penalty calculations

• Poor customer service and limited support response

• Harassment messages after missed payments

While PeraJet is legit in terms of registration, its collection behavior and data privacy issues are serious concerns. Borrowers should proceed with caution and ensure they can repay on time to avoid problems.

Loan Details, Requirements, and App Information

Below are the general loan features of the PeraJet lending app, based on borrower experiences and public listings:

Borrowers should carefully review permissions before installing the app. Some users report that the app requests access to contacts, camera, and gallery, which could be used for data-based collection tactics.

Is PeraJet Safe to Use in the Philippines?

While PeraJet is SEC-registered and operates legally, its harassment complaints and poor reputation among borrowers suggest it may not be the safest lending app in the Philippines.

If you are looking for safer and more transparent loan options, consider these SEC-accredited alternatives:

• Tala Philippines – SEC Reg. No. CS201710582

• JuanHand – SEC Reg. No. CS201825672

• Cashalo – SEC Reg. No. CS201800209

These platforms are known for clear loan terms, transparent interest rates, and ethical collection practices.

Final Verdict: Should You Borrow From PeraJet?

PeraJet lending corporation (SEC Reg. No. CS201629480, CA No. 2639) is legally registered, meaning it operates under Philippine financial regulations. However, its harassment complaints, high interest rates, and data privacy concerns make it a high-risk choice for borrowers.

If you urgently need cash, always consider reputable, transparent, and ethical apps first. Borrow responsibly and never share personal data with apps that lack full transparency or verified customer support.

Nicholas Bloom

Nicholas Bloom is a renowned British economist and professor at Stanford University, best known for his groundbreaking research on management practices, remote work, and productivity. His studies have significantly influenced how organizations adapt to modern work environments. Bloom has collaborated with leading institutions worldwide and frequently contributes insights on economic growth, innovation, and workplace dynamics, making him one of the most respected voices in contemporary economic research.