pera-agad.com Scam Check: 10/100 Trust | ScamMinder

Exercise caution when interacting with this website.

The website pera-agad.com appears to be a platform offering quick loans in the Philippines. However, several aspects of the website raise red flags and suggest that it might not be a trustworthy or reliable source for financial services. Here are some reasons for concern: 1. Lack of Detailed Information: The website provides very limited information about the company behind it, its physical address, or its regulatory status. This lack of transparency is a common tactic used by fraudulent or untrustworthy financial services. 2. Unrealistic Claims: The website makes bold claims about the speed and ease of obtaining loans, with promises of money being transferred within minutes. In the legitimate financial industry, such rapid loan disbursement is highly unusual, especially for unsecured personal loans. 3. No Service Fees: The claim that the company does not charge any service fees is suspicious. Legitimate financial institutions typically have transparent fee structures, and the absence of fees is uncommon. 4. High Loan Amounts: The website advertises loans of up to ???25,000, which may be considered high for a platform that claims to have minimal requirements and quick approval processes. This could be a red flag for predatory lending practices. 5. Testimonials: The testimonials provided on the website, while positive, are generic and lack specific details. They could be fabricated to create a false sense of trustworthiness. 6. Lack of Regulatory Information: The website does not clearly state which regulatory body oversees its operations. In the financial industry, adherence to regulations is crucial for consumer protection. 7. Intermediary Role: The website states that it acts as an intermediary between customers and licensed financial institutions. However, the lack of specific details about these institutions and their regulatory status is concerning. 8. Collection Policy and Consequences of Default: The website's information about loan repayment, default consequences, and collection policies is vague and does not provide sufficient detail about the potential risks for borrowers. 9. Limited Eligibility Criteria: The website's eligibility criteria for borrowers are quite broad, which could be a red flag. Legitimate lenders typically have more specific and stringent criteria to ensure responsible lending. 10. No Clear Information on Interest Rates: While the website mentions that lending rates vary, it does not provide clear and detailed information about the interest rates that borrowers can expect. 11. Lack of Detailed Terms and Conditions: The website's terms and conditions are not easily accessible, and the information provided is quite general. Transparent and detailed terms are essential for responsible lending. 12. Limited Contact Information: The website provides minimal contact information, and the absence of a physical address or detailed customer support details is concerning. Based on these factors, it is advisable to exercise extreme caution when considering using the services of pera-agad.com. It is highly recommended to thoroughly research and verify the legitimacy of any financial service provider, especially when it comes to personal loans and sensitive financial information."

• Lack of Detailed Information, Unrealistic Claims, No Service Fees, High Loan Amounts, Testimonials, Lack of Regulatory Information, Intermediary Role, Collection Policy and Consequences of Default, Limited Eligibility Criteria, No Clear Information on Interest Rates, Lack of Detailed Terms and Conditions, Limited Contact Information