We use Open Banking technology provided by a licensed 3rd party provider to help us
avoid fraudulent applications, scammers or people stealing your identity and
ruining your credit score and reputation by taking out loans in your name. Open
Banking speeds up the entire customer data verification process, so that iPera
can be a truly automated lending solution.
The faster we work, the faster you get your money and this means we can
approve you in real time and transfer the funds to your account in minutes.
Your name, so your money gets transferred to the right person
Your bank information, so your money goes to the correct bank account immediately
Income and affordability to ensure you can afford your loan repayments
Open Banking is safe, confidential and 100% secure
The company we use to access your bank does not let us see your password or log in details
We can only be provided with your bank statements when you authorize us, it is a one-time permission
We only use your bank statements for application processing and data verification
Our provider is regulated by ISO 20071 standards. 100% GDPR and Banko Central Compliant
You grant read-only access to your bank statements, we cannot control or change anything in your accounts
For more information and answers to more questions, please visit our FAQs page
Fast & Convenient
Apply anytime, from anywhere, 24/7
Clear & Transparent
No hidden fees, ever. That’s our promise
Your satisfaction is at the heart of what we do. We will always listen to your feedback, questions and concerns.
We are regulated by the SEC and adhere to all Data Protection Regulations
Fastest Lender in the Philippines. Decision in seconds. Money in your bank in minutes.*Terms & conditions apply