Royal Yohoo Lending Investors Corporation is a Philippine lending company operating the HappyPera digital lending service. The company’s current mobile application is published under the name HappyPera2 – Fast Cash Loan App. Official credit-information records also connect Royal Yohoo Lending Investors Corporation with the platform names HappyPera2 and HappyPeraPro.
HappyPera provides unsecured personal loans through a fully digital process. Customers use the mobile application to submit their information, complete identity verification, receive an assessment and review the loan options available to them. The current application was updated on July 1, 2026, which indicates that the platform remains active.
The current HappyPera2 application publishes the following general product conditions:
The ₱100,000 amount is the maximum advertised limit. It does not mean that every applicant will qualify for this amount. The actual loan offer depends on the information submitted and the result of the company’s assessment.
HappyPera states that borrowers can choose from installment options ranging from 91 to 360 days. However, the particular amount and repayment period available to an applicant are shown only after evaluation.
The official application provides a representative calculation for a ₱12,000 loan issued for 91 days at an APR of 24%.
The example is calculated as follows:
This calculation illustrates the published APR but does not constitute a guaranteed offer. The amount, repayment schedule and final cost applicable to a particular borrower must be checked in the Disclosure Statement shown before confirmation.
The official application lists three basic eligibility requirements:
Meeting these conditions does not automatically guarantee approval. HappyPera uses the information supplied through the application to verify identity, assess creditworthiness and determine the credit limit available to the customer.
HappyPera advertises an application using one valid government-issued ID. The company’s privacy policy provides a broader description of the information that may be requested during registration, identity verification and credit assessment.
Applicants may need to provide:
The privacy policy gives UMID, TIN, SSS and Driver’s License details as examples of identification information that may be processed. The exact document accepted in a specific application should be confirmed inside the current version of the app.
The borrower should install HappyPera2 – Fast Cash Loan App from an official application store. The developer should be identified as Royal Yohoo Lending Investors Corporation.
Applicants should avoid unofficial APK files and links sent by unidentified agents. The company details shown in the application should match SEC Registration Number CS201906145 and Certificate of Authority Number 2940.
The applicant registers using the information requested by the application. An active mobile number and email address may be needed for account verification, application updates and customer communication.
The borrower completes the online application form and provides identity, contact, employment and income information. HappyPera describes the application as a short digital process that can be completed without visiting a physical office.
The company may use the device camera to photograph identification documents and complete facial or identity verification. Its privacy policy states that camera access may be used for facial recognition, Know Your Customer checks and document scanning.
The applicant may be required to nominate specific emergency contacts. HappyPera states that it does not collect or upload the borrower’s entire contact list and stores only the references manually supplied by the applicant.
The applicant is expected to obtain the nominated person’s consent before sharing their contact details.
The applicant provides a bank account or supported e-wallet for loan disbursement and repayment. The privacy policy names GCash, PayMaya and GrabPay as examples of e-wallet information that may be processed.
This does not necessarily mean that every listed wallet is available for every transaction. The current options displayed in the application should be checked before confirming the loan.
HappyPera evaluates the submitted information and sends the result through the application. The company does not publish one guaranteed approval time in the current product disclosure.
An application may require additional verification when the ID is unreadable, information is inconsistent or the company cannot confirm the applicant’s identity, income or creditworthiness.
Before accepting a loan, the applicant should check:
HappyPera advises customers to review the Terms and Conditions and Disclosure Statement before confirming a transaction.
HappyPera’s current application publishes a maximum APR of 24%. The application does not advertise a single interest rate that applies to every borrower or loan term.
The company states that it uses a clear fee structure and does not impose unauthorized upfront charges. Nevertheless, the borrower must check the individual Disclosure Statement for any legitimate interest, fees or deductions connected with the transaction.
The loan should be assessed using the total repayment amount rather than the advertised principal alone. The borrower should also compare the amount approved with the amount that will actually be transferred after any disclosed deductions.
HappyPera processes approved loans through the disbursement details provided by the customer. Its privacy policy confirms that bank accounts and electronic wallets may be used for the release and repayment of funds.
The receiving account should belong to the applicant, and all details must be entered correctly. An incorrect bank-account number, e-wallet number or account name can delay or prevent the transfer.
HappyPera does not publish one guaranteed disbursement period in the current product disclosure. Claims that every borrower will receive money within a specific number of minutes should therefore not be treated as guaranteed company terms.
The applicable repayment dates and installment amounts are shown in the borrower’s individual loan documents. The current public application page does not provide a complete list of payment channels or one universal late-payment penalty.
Borrowers should use only the payment instructions displayed in the official HappyPera2 application or loan agreement. Money should not be transferred to the personal bank account or e-wallet of an alleged agent.
Payment receipts and reference numbers should be kept until the transaction appears in the HappyPera account and the company confirms that the obligation has been settled.
Royal Yohoo Lending Investors Corporation states that personal and financial information may be used to determine an applicant’s creditworthiness and available credit limit.
The company may process:
Device information may include the device model, operating-system version, serial number, IMEI and MAC address. The company states that these details are used to identify devices and prevent fraudulent bulk applications.
Approximate location may be processed to verify residency and detect location-related fraud. Camera access may be used for ID scanning and facial verification. The policy states that only images specifically selected or captured by the user are processed rather than the customer’s complete photo library.
Royal Yohoo Lending Investors Corporation is listed by the Credit Information Corporation under the HappyPera2 and HappyPeraPro trade names.
The company’s privacy policy states that it submits required basic credit data and updates on borrowers’ payment behavior to the CIC in accordance with the Credit Information System Act.
This means that a HappyPera loan and its repayment status may become part of the borrower’s Philippine credit record. Timely repayment may therefore be relevant when applying for future loans or other financial products.
HappyPera may contact a borrower through the mobile number and email address provided during registration. Its privacy policy also states that, when the borrower cannot be reached through those channels, the company may use social-media platforms associated with the borrower’s name or phone number for loan-related communication.
The company may contact nominated references to verify the borrower’s contact information when the borrower cannot be reached. The policy states that loan details will not be disclosed to emergency contacts unless such disclosure is legally authorized.
In the event of default, the account may be assigned to an accredited third-party collection agency or legal counsel.
HappyPera states that personal information is retained during the loan relationship and for five years after full settlement or account closure when required under anti-money-laundering and other applicable rules.
Customers may request:
A deletion request may not result in immediate removal when the customer has an outstanding obligation or when the company must retain the information for CIC reporting, anti-money-laundering compliance or another legal requirement.
The Google Play data-safety section states that the application may collect personal and financial information, encrypts data in transit and permits users to request deletion of their data.
Royal Yohoo Lending Investors Corporation publishes the following regulatory information:
The same corporate name and registration details appeared in the SEC list of lending companies dated May 31, 2020.
Company: Royal Yohoo Lending Investors Corporation
Brand: HappyPera / HappyPera2
Website: www.rylicph.com
Email: [email protected]
App support email: [email protected]
Phone: +63 927 865 0009
Address: 31st Floor, One San Miguel Building, One San Miguel Avenue, Ortigas Center, Pasig City, Metro Manila 1604, Philippines
Customers should use the official website and application contact details when checking an application, payment or suspicious message. Passwords, OTPs, identification documents and advance payments should not be sent to an unidentified individual claiming to guarantee approval.
Yes, the Royal Yohoo Lending Investors Corporation is legit. It registered with the Securities and Exchange Commission (SEC), with Registration No. CS201906145 and Certificate of Authority No. 2940. To verify this information, you may also visit the official SEC website.
If you want to file a complaint against "Royal Yohoo Lending Investors Corporation", you may leave a review or contact the SEC by email at [email protected] or by calling the SEC Call Center at 02-5322-7696.
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