Linpera is a personal loan app made for employees, small sellers and freelancers. We keep the process short, the terms easy to read, and your rights as a borrower at the center of every loan.
For salaried workers who need a little extra before the next payday.
For sari-sari store owners and online sellers who need working capital.
For riders, gig workers and freelancers with income that changes month to month.
Linpera keeps borrowing simple. Each step is explained in the app, so you always know what happens next.
Register, apply, sign and repay inside the app. No paperwork to mail and no office visit.
Your Disclosure Statement lists every cost in simple words before you accept the loan.
Get in-app notices before each due date so you can plan ahead and avoid late charges.
Repay through e-wallets, bank transfer or over-the-counter partners listed in the app.
We never access your contacts, photos or messages. We only ask for what is needed to verify you.
Sign up with your mobile number and a one-time code.
Add your personal, work and income details.
Upload one valid government ID and take a quick selfie.
Review your Disclosure Statement and loan agreement, then sign in the app.
Funds go to the e-wallet or bank account in your name.
These commitments follow Philippine law and apply to every loan we offer.
You see the loan amount, term, interest, fees and total repayment in writing before you agree.
No threats, insults or public shaming, and no messages to your family, friends or employer.
Your data is used only for your loan and is never sold. You can ask to access or correct it anytime.
Your loan agreement states every term and charge. Nothing is added after you sign.
Scammers may use our name. If something feels wrong, stop and email us before you pay or share anything.
LinperaLending Inc. is a lending company based in Parañaque City, Metro Manila. We build mobile lending products that make small personal loans easier to understand and easier to manage.
Linpera is one of our apps. It is designed for Filipinos whose income comes from salaries, small businesses and freelance work, and who want a lender that explains things clearly and treats them with respect.
Filipino citizens aged 18 and above, with a regular income, an active mobile number and one valid government ID.
UMID, SSS, PhilID (National ID), Driver's License, Passport, PRC ID, Postal ID and other government-issued IDs.
Your loan amount depends on your profile and repayment history. The exact amount and terms appear in the app before you accept.
Your Disclosure Statement shows the interest, fees and total amount to repay. Read it in full before signing.
Yes. You may repay early at any time through the payment channels listed in the app.
Email us before your due date. We would rather work out a plan with you early than add charges later.
LinperaLending Inc. processes personal data under RA 10173, the Data Privacy Act of 2012, and the rules of the National Privacy Commission.
| What we collect | Why we need it |
|---|---|
| Name, birth date, address, mobile number | To create your account and contact you about your loan |
| Government ID and selfie | To confirm your identity and prevent fraud |
| Employment and income details | To assess your application and set suitable terms |
| E-wallet or bank account | To release your loan and match your repayments |
| Device information | To keep your account secure and detect suspicious activity |
We share data only with service providers that help us run Linpera, under data-sharing agreements, and with government agencies when required by law. We do not sell your data. To access, correct or delete your information, email [email protected].
For loan questions, repayment concerns or privacy requests, reach us here. We reply on business days.