Pera Agad Philippines is supposed to be a legal company that offers loans to Filipinos who need one, but currently, the service is not available and can´t be fined https://www.sec.gov.ph/lending-companies-and-financing-companies-2/list-of-recorded-online-lending-platforms/ in the list of legal lenders in the Philippines. They offered loans at an interest rate of 5% and provide both short-term and long-term loans. You can apply for a loan with them by filling up the form on their website or clicking the "Apply Now" button on this page. You will need to include your contact information and details about your income, amount, and duration of the loan you request. Their rates vary depending on the amount and time of the loan, but their interest rate is 5%.