Interest Rate	45%
Duration	From 7 days
Access Level	Public
Company Name	Got-IT Lending Inc
Phone 1
Phone 2
Website or Store
Address	Philipine
Category	Dangerous Loan
Company Email
Views	590

About Pera Bag

Pera Bag is a fast, reliable, and secure mobile application designed to make borrowing money online both quick and convenient. With Pera Bag, you can access loan amounts of up to Php 20,000, and in just a few minutes, your loan application can be approved. The app offers flexible repayment options, with loan terms ranging from 91 days to as long as 365 days, ensuring you have enough time to pay back your loan based on your financial capacity.

We recognize that financial stability is a pressing concern for many, especially in these uncertain times. Whether you're facing unexpected expenses or simply need extra funds to get by, Pera Bag is here to provide you with the financial support you need to navigate these challenging moments.

Pera Bag is not just fast and easy to use but also a completely safe and convenient platform for borrowing money. As a 100% online lending service, everything from the application process to receiving your loan is done through the app, eliminating the need for branch visits or in-person meetings. The entire loan process can be completed from the comfort of your home or wherever you may be.

The Pera Bag app is owned and operated by Got-IT Lending Inc., a trusted and reputable lending company. As the sole owner, Got-IT Lending Inc. ensures that the app is fully compliant with all legal lending standards and prioritizes user security. Our mobile-only approach allows us to focus on providing an efficient and seamless experience for our users, without the overhead or complications of physical branch offices.

Pera Bag is your ideal loan solution, offering a combination of speed, safety, and convenience that makes borrowing money online as stress-free as possible.

FAQ

Can loan apps post my pictures on social media?

You should not worry about loan apps threatening to post your picture on social media. If you check their accounts, you’ll notice most of them have fewer than 100 followers. This means they are mainly circulating your picture among themselves just to instill fear in you. Never pay a dime if any loan app posts your picture online; they are actually the ones owing you, not the other way around. Instead, report the account to the appropriate social media platform, and it will likely be closed down.

Can they auto-debit my account?

If you linked (bound) your ATM card during registration with a loan app, they can automatically debit your account. To prevent this, you should go to your bank, block the card, and request a new one.

For fully licensed Microfinance Banks that may use the Global Standing Instruction (GSI) or place a lien on your account, the safest option is to move your money to another bank account that has never been registered with loan apps. This will stop them from debiting your funds.

Can they come to my house or office to arrest me?

99% of loan apps cannot come to your house or office because most of them operate illegally and have no legal right to pursue you physically. Only fully licensed and approved Microfinance Banks with a registered office address and reputation as a legitimate financial institution can pay you a friendly visit, but never to arrest you.

Borrowing is a civil matter, not a criminal case. That means you cannot be arrested simply because you owe money. If any licensed microfinance bank tries to harass or threaten you, please contact us immediately—we will take the right steps to deal with them.

As for loan apps, they cannot legally come to your house or office to arrest you.

Can this loan app defame me?

Yes and No, a loan app can defame you, but it usually depends on where you downloaded the app from and what permissions you gave it.

If you downloaded the app outside the Play Store or App Store (for example, from a direct link or third-party site), it’s very likely the app will misuse your information. Many of those apps are not properly regulated.
How they access your contacts:

Loan apps need Contact permission to copy your phone contacts.
They also sometimes request Call log permission, which allows them to see your dialed, received, and missed calls—but not your full contact list.

If you used the app before 2023:

Before 2023, many loan apps could freely access contacts because the rules were not strict.
From 2023 onward, Google Play Store and Apple App Store introduced policies that restrict apps from accessing contacts and call logs unless it’s absolutely necessary.

How do I get rid of their daily messages and calls?

To stop their frequent calls, you can install Truecaller, upgrade to Premium, and use the Block Spam Calls feature. This will automatically filter out most unwanted numbers. (Check the video below for step-by-step details.)

For WhatsApp calls and messages, fight back smartly: never listen to their voice notes or read their messages. Instead, use the response strategy in the link below to reply safely. When you push back confidently, scammers usually give up and flee.

https://loansharkreview.com/MessageTemplate

Will this loan apps report me to the Credit Bureau?

In most cases, 90% of loan apps cannot report you to the Credit Bureau. This is because many of them are not licensed financial institutions or they charge exorbitant interest rates that violate government policies.

However, fully licensed and approved microfinance banks can report you to the Credit Bureau. Even when they do, they usually report only the actual amount you borrowed and the original agreed interest — not the inflated charges or penalties. If you notice incorrect information in your credit report, you have the right to contest it with the Credit Bureau and request correction.