Licensed by Philippine SEC | Up to ₱50,000 Credit Limit

- About Us
Peranyo Agad (by AR HC LENDING INVESTOR, INC.) is a SEC-licensed lending company
SEC Registration No.: CS201909922
Certificate Authority No.: 3009

Regulatory Oversight:
Securities and Exchange Commission (SEC)
Credit Information Corporation (CIC)
Anti-Money Laundering Council (AMLC)
National Privacy Commission (NPC)

- Key Features & Benefits
· Instant Approval
Get loan decisions quickly — no paperwork, no collateral!

· High Credit Limits
Regular Users: Up to ₱30,000
VIP Members: Up to ₱50,000 (Upgrade to VIP by maintaining good repayment records)

· Flexible Repayment
Loan Tenure: 91–360 days
Installments: 3–12 months
Annual Interest Rate(APR): Maximum 36%

· Zero Hidden Fees
No hidden charges. Borrow with complete transparency.

- Loan Calculator Example
Borrowing ₱50,000 for 180 days (6 months) at 18.25% annual interest:
· Interest per Installment:
₱50,000 × 18.25% ÷ 365 × 30 ≈ ₱750
(Interest calculated on a 30-day monthly basis)

· Installment Amount per Month:
(₱50,000 × 18.25% ÷ 365 × 30) + (₱50,000 ÷ 180 × 30) ≈ ₱750 + ₱8,333.33 = ₱9,083.33
(Principal + interest included in each installment)

· Total Interest Paid:
₱50,000 × 18.25% ÷ 365 × 120 ≈ ₱4,500
(Total interest over the full loan term)

· Total Amount Payable:
₱50,000 + ₱4,500 = ₱54,500
(Principal + total interest)

Eligibility Requirements
· Filipino citizen aged 18 years or older
· Valid government-issued ID (e.g., UMID, Passport, Driver’s License)
· Active Philippine bank account
· Proof of stable income

- Your Data & Rights Are Protected
We adhere to strict legal standards:

· Data Privacy
User information is encrypted and processed in accordance with the Philippine Data Privacy Act (RA 10173).

· Fair Lending Practices
All loans undergo transparent risk assessment. We do not discriminate based on gender, religion, or ethnicity.

· Responsible Borrowing Warning
Loans incur interest costs. Borrow only what you can afford to repay. Failure to do so may affect your credit score.

- Contact Our Support Team
· Email: [email protected]
· Address: Santa Cruz, Diplahan, Zamboanga Sibugay
· Official Website: https://peranyoagad.arhclending.com

- Compliance Notice
Peranyo Agad operates under SEC Lending License No. 3009.
All lending practices are supervised by Philippine regulatory authorities.
Late repayments may result in additional fees as permitted by law.