HappyPera Loan Review, Is it Legit? - Complaints and Comments

HappyPera Loan Review, Is it Legit? - Complaints and Comments

All about HappyPera 💻 100% Online ✨ Up to P20,000 📱 Loan App 🤔 Complaints ✅ Verified reviews

What is HappyPera?

HappyPera is an online lending app that offers low interest rates, fast approval, and easy monthly payments. The loan app is designed with the intent of helping Filipinos find access to small cash loans that they may otherwise not be able to get from traditional financial institutions.

By using the HappyPera app, you can get the money you need without having to go through a long and complicated approval process. So, if you're looking to consolidate debt, pay for a vacation, or cover an unexpected expense, you can use HappyPera without the need for a credit check, collateral, or guarantor.

How does HappyPera work?

HappyPera connects borrowers to personal loans through the HappyPera app, which is available on the Google Play Store, Apple App Store, and Huawei App Gallery.

The application process is simple and only takes a few minutes to complete. Just download the app, register, enter your information, and receive a decision in minutes. Once your loan application is approved, you’ll receive confirmation and details of the loan via SMS and e-mail. Typically, you can receive your funds through your chosen payment channel within minutes.

What is HappyPera 2?

You might be wondering if HappyPera is the same as HappyPera 2. The answer is yes, they are one and the same. Happy Pera is for Android users, while Happy Pera 2 easy cash loan app is designed for iPhone.

How can I apply for a loan with HappyPera?

HappyPera has a simple application process that only requires basic information about yourself and your financial history. Usually, the information you provide will help them decide whether or not to approve your load. It will also be used as a basis for the loan amount.


  • You must be a Filipino citizen.

  • You must be between 18 and 60 years old.

  • You must be employed or have a steady income.

  • You must have two valid IDs (government-issued IDs—passport, SSS, UMID, driver’s license, etc.)

  • Supporting documents, such as utility bills with your name and address, can increase the chance of loan approval.

After you submit your information, the HappyPera team will review the request and contact you if your loan is approved.

How much does HappyPera loan?

With the HappyPera online loan app, you can borrow P3,000 up to a maximum of P20,000. The loan amount will be based on your past repayment records if you are a repeat borrower. If you’re a new borrower, expect a smaller loan amount for starters.

Based on the SEC listing, HappyPera interest rate is set at 5% per month. This rate is on the high side and is even higher than most credit card interest rates.

HappyPera is not very transparent with additional fees and charges. They can charge you a valuation service fee, an account management fee, a withdrawal Fee, and other legal fees. Together, they will eat up your fund, and you’ll end up with less money than what you applied for.

Always read the fine print and ask the HappyPera agent about charges other than the interest rate.

How much is the first loan in HappyPera?

Although HappyPera claims to offer a maximum of $20,000, new borrowers are only given a smaller amount of P1,000, up to $3,000 on their first loan. This can increase gradually as borrowers establish trust and good credit standing with HappyPera.

How to pay?

HappyPera loan payment term is 91-120 days. However, the default number of days to pay your loan is only 10 days.

You can pay your loan through the following payment channels:

  • Online banking (bank transfer)

  • LBCExpress

  • Cebuana Lhuillier

  • EcPay

  • 7-11

  • M. Lhuillier

  • SM Payment Centers

  • Robinsons Department Store Payment Centers

  • Bayad Centers

What can happen with a HappyPera unpaid loan?

If you are unable to pay your loan on time, you will be charged a one-time late fee of 5% of the loan and a late penalty fee of 2% per day until you pay off your loan. HappyPera agents will also call you repeatedly to pressure you into paying. If you default on your loan, HappyPera may take legal action against you.

Is HappyPera legit?

HappyPera loan is a legit online lending app. Royal Yohoo Lending Investors Corp, which runs HappyPera and HappyPera 2, is listed with the Securities and Exchange Commission with a certificate of authority to operate a lending company.

HappyPera app

The mobile app is available for download in the Google Play Store, Apple App Store, and App Gallery.  Avoid downloading HappyPera loan APK because it’s not vetted by Google, so it may contain malware or other harmful content that can steal your personal information.

Furthermore, downloading HappyPera 2 APK can cause your device to be overloaded with unnecessary files, which can slow it down or even cause it to crash. Additionally, HappyPera APK can be dangerous to install because it may not be compatible with your device or it may cause problems with other installed programs.

The HappyPera loan app is easy to use. The interface is straightforward and simple, making it easy for anyone to navigate through the different loan options available, so you can find the best one for your financial needs.

HappyPera customer service

If you have concerns or issues about your loan application, you can get in touch with the HappyPera contact number:

HappyPera complaints

Some customers shared their unpleasant experiences on Happy Pera loan review sites, including HappyPera harassment stories where the company's customer service agents have been overly aggressive and disrespectful to borrowers to force them to pay back their loans.

A few agents are allegedly resorting to unfair and unethical practices to collect debts. Some of them are even contacting the relatives and friends of the borrowers to shame them into paying their loans.

Other HappyPera complaints include exorbitant interest rates, service fees, and additional charges that the company has not been very transparent about. Despite these complaints, HappyPera continues to operate.

HappyPera reviews

HappyPera loan review has an average rating of 3.3 stars in the App Store and 4.4 stars in the Play Store. Poor ratings can be attributed to misleading information on loan amounts, interest rates, service fees, and loan terms.

What they advertise on social media is exaggerated and meant to deceive people into availing of their loan service. Borrowers end up with significantly less money than what they applied for.

Overall, HappyPera loan reviews are largely negative because the company is not being completely truthful about the details of their loan, and they are resorting to devious tactics to get their borrowers to pay.

Have you used the HappyPera loan app? Share your experience here.


Nagsasabi pa kau na magkikita kau sa client sa barangay pero mismong barangay nagsabi na d nman napupunta doon ang case? ang worth of 700 na hndi nabyaran ibabarangay niu? tapos early payment pa, nakasettle ng hiniram na pero greedy pa din kau ta even early payment na nga sisingilin niu pa, ang pangit lang talaga sa inyo nagsasalita kau ng hndi nman toto para takutin client ninyo! iwasan niu din murahin client kasi kau na mismo nagtritrigger sa knila na wag kau bayaran dahil d nman buhay ang inutang sa inyo para magsalita kau ng hndi dapat? bakit kung wala ba ung mga tubo nmin nkakapagtrabaho kau jan ? isipin niu kailngan niu rin nmn kami para may mapagkunan kau, porke may mga tao na in need talaga tapos naglapses lang ng isang beses bgla na lng sabhin niu barangay? kahit small amount ni hndi nga tinatanggap sa small claims ang 700 na hndi nbyaran? wag kaung mapangmataas! baguhin niu estilo niu! marami nga pnasara c tulfo dahil sa pagmumura ng mga lending app , paano kong magsama sama mga client niu tapos kau din icomplain matutuwa kau sa outcome ? be professional enough, pnasok niu trabaho na yan bgyan niu muna sarili niu ng mahabang paxenxia! early payment pero laki pa din tubo! oh my ghad!!!!tapos post agad mga ids daw? sa 700???? dioskoooo!!!


Marunong din kau magbgay ng considerations lalo na sa mga client na maruning magbyad ng tama , bakit kung ipopost niu babayaran ba kau? natural hndi na lalo na pagsalitaam niu cla ng masama as id bnyaran niu buhay nila? nagappautang nga kau pwro malademonyo mga mensahe ninyo? nasaan banda ung professional na trabaho niu para ---------------------! u shud know to understand every situation kaya marami ng d nagbabayad dahil sa ugali niu! wag na kau magpautang kung wala kaung consideration.. sobra pa penalty! paano mkakabayad mga client kung penalty niu araw araw!


Eto ung app na walang konsiderasyon! ngbayad ako ng wala pa sa due date, tapos gusto pa kunin ung buing tubo? last year pa pero gang ngaun tawag cla ng tawag? tapos ipopost daw ako? consistent ako mgbyad pero apaka greedy nila! no consideration at all!!!!!! you should know also that sa kadami ng loans ko sa taas ng tubo niu actually bayad na dapat ako! wag kaung gahaman!


Nananakot at pinahihiya ako dahil na delayed payment ko yung agents ang bastos pa may pa barangay pxa.ano po dapat gawin wh ngkaproblema Lang talaga ako. Sa pera at delayed payment ko po ngka taon din na mawalan trabaho asawa ko.bat ayaw nyo ko bigyan ng consederasyon total good payout nman ko ngayon lng takga ngkaproblema.sana nman nabasa to


The ugliest, inhuman OLP with demonic agents.



Kate Afidchao

po hindi ako makapag apply ulit


Happy Pera Head Office Good day! Nais ko sana makipag ugnayan sa inyong head office or owner ng Lending business na to. Your agent was so rude and unprofessional. To tell you honesty nag ka laps ako sa pag bayad sa aking due sa inyo. But your agent ayaw nyang mautusan. Ang gusto ko lang naman makipag tulungan para maayos na ang aking account sa inyo. Pero ano, ayaw ako TULUNGAN ng agent nyo. Ang bastos pa, at ang tetext sa aking mga contact reference.


This lending app will send you death threats when you are delayed on your payment due. They’re not even considerate on what is the situation of their client. They will post you on social media with not true captions for example that you are a "drug pusher" even when you are not. They will harass you all the time. Dont try to install and make loan on this app. This will not help you

Baby Joy Obing

Maam nag re apply po ako uli di naman sya dinied erro daw po panu po uli mag apply.salamat po

Vincent Gapasin

Very disappointing, I pay my loan in advance but I was rejected.

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This article was updated on 14 april 2024