Treasure Bowl Fintech Lending Corp. is a Philippine lending company operating the Wow Pera online personal-loan platform. The company is registered with the Securities and Exchange Commission under SEC Registration Number CS201916340 and Certificate of Authority Number 3101.
The company was historically associated with two registered online lending platforms: Wow Pera and Zippeso. Wow Pera is the currently verifiable consumer brand with an active official website. The Zippeso application is no longer available through the official application stores and should be treated as a former platform rather than the company’s main current product.
The current active brand of Treasure Bowl Fintech Lending Corp. is Wow Pera.
Wow Pera is a digital lending platform offering unsecured personal loans to eligible borrowers in the Philippines. The company states that customers can complete the application online without providing collateral or a guarantor.
A separate corporate website for Treasure Bowl Fintech Lending Corp. was not confirmed. The company uses the Wow Pera website as its main public platform and source of company, registration and customer-service information.
The official Wow Pera website currently states that the application is temporarily unavailable on Google Play because of maintenance. According to the announcement, existing customers can continue using the available application functions.
The previous Android application was published under the name:
WowPera – Fast & Safe Loan App
Its package name was:
com.wow.pera
The former Google Play application was published by Treasure Bowl Fintech Lending Corp. The company website does not currently provide a working replacement application-store page. Customers should therefore avoid downloading Wow Pera APK files from unofficial websites.
The active Wow Pera website currently advertises loans of up to ₱70,000. It also states that customers who repay successfully may qualify for repeat borrowing and a higher limit.
The public website does not provide a complete current table showing:
The advertised maximum of ₱70,000 does not mean that every customer will receive that amount. The approved limit may depend on the borrower’s personal information, income, credit assessment and previous repayment history.
Applicants should rely on the current Disclosure Statement and individual loan agreement rather than conditions found in old app descriptions or third-party reviews.
The former Android application published the following product conditions:
These figures describe an older version of the Wow Pera application. They should not be presented as the current offer because the official website now advertises a higher possible limit of ₱70,000 but does not reproduce the former rate and fee table.
The former Wow Pera application provided an example for a ₱10,000 loan issued for 120 days.
The calculation was presented as follows:
The service fee was added separately to the interest calculation. This example is historical and does not guarantee the current cost offered through Wow Pera.
The former application listed the following eligibility conditions:
These requirements were taken from the previous app description. The active website does not publish a complete current eligibility checklist, so applicants should verify the requirements presented during the actual application process.
Meeting the basic requirements does not guarantee approval. Treasure Bowl Fintech Lending Corp. may assess identity, employment, income, credit information and fraud-related indicators before offering a loan.
The Wow Pera privacy policy names the following government-issued documents as examples:
The exact documents accepted in a current application may differ. Applicants should follow the list shown through the authorized Wow Pera platform.
An identification document should be valid, readable and belong to the applicant. Inconsistent information or an unclear photograph may delay verification or result in rejection.
According to the Wow Pera privacy policy, Treasure Bowl Fintech Lending Corp. may process several categories of information.
The company may collect:
This information may be used to verify identity and evaluate eligibility for the company’s lending products.
Wow Pera may process:
The stated purposes include identity verification, fraud prevention, risk control and account security.
The privacy policy states that the application may upload names and phone numbers from the customer’s contact list for risk-management and anti-fraud checks when the user grants permission.
It also states that contact information is periodically transmitted to the company’s server while the application is being used. Applicants should consider this permission carefully before giving the application access to their contacts.
Wow Pera may collect information about selected applications installed on the device, including:
The company states that these details are used for credit-risk analysis and fraud detection.
Camera access may be used to photograph identification documents and complete application verification. Storage access may be used to upload documents and save account statements on the customer’s device.
The company may receive information from:
The information may be used to assess an application, administer a loan, investigate suspected fraud and comply with regulatory requirements.
The customer should begin with the official Wow Pera website and verify that it identifies Treasure Bowl Fintech Lending Corp., SEC Registration Number CS201916340 and Certificate of Authority Number 3101.
Because the Android application is currently unavailable on Google Play, applicants should not install an APK supplied through an unofficial loan directory, text message or social-media account.
When an authorized application channel is available, the customer registers using a personal mobile number and the information requested by Wow Pera.
The phone number should remain active because it may be used for:
Passwords, PINs and verification codes should not be disclosed to another person.
The customer provides personal, residential, employment and income information.
All details should match the applicant’s identification documents. Incorrect or incomplete information may delay the assessment or result in rejection.
The customer may be required to submit a government-issued ID, employment-related information and a facial photograph.
Documents should be uploaded only through an official company platform. They should not be sent to an unidentified individual through a private messaging service.
Historical Wow Pera materials referred to transfers through:
Current available receiving methods should be checked in the individual application.
The official website advertises a fast application process and 24-hour online approval operations. It also states that funds may be provided within minutes. These are promotional statements rather than guaranteed processing deadlines.
Review may take longer when:
Before confirming the loan, the applicant should check:
The borrower should not confirm the transaction until the complete cost is understood.
The active Wow Pera website does not publish a current standard rate or fee schedule.
A historical SEC register dated May 31, 2020 listed Treasure Bowl Fintech Lending Corp. with interest rates from 0.4% to 2.5% per month. This information is outdated and should not be presented as the current Wow Pera rate.
The former Android application separately advertised a maximum APR of 20% and a service fee from 0.1% to 0.35%. Those terms are also historical and may no longer apply.
Applicants should compare:
A high advertised loan limit does not explain the cost of borrowing. The Disclosure Statement should show all applicable charges before the loan is accepted.
The current public website does not provide a complete list of repayment channels.
Borrowers should use only the payment instructions shown in:
Before paying, the borrower should confirm:
Money should not be transferred to an unidentified personal bank account or e-wallet belonging to someone claiming to be an employee or collection agent.
Receipts and transaction-reference numbers should be retained until the payment is reflected in the loan account.
The public website and privacy policy do not explain whether early settlement reduces future interest or whether an early-payment charge applies.
A customer planning to repay before the scheduled maturity date should request a written payoff calculation showing:
The loan should not be considered closed until Wow Pera confirms that the remaining balance is zero.
The current public website does not publish one standard late-payment penalty applicable to all customers.
The individual loan agreement should explain:
A borrower expecting repayment difficulty should contact customer service before the due date and request written information about available options.
The Wow Pera privacy policy states that customers can request account deletion through the application settings.
The stated process is:
Wow Pera → Settings → Delete Account
The company says that account data is deleted within seven days after an account is closed, although other information may be retained when required for legal, regulatory or legitimate business purposes.
An account may not be fully deleted while the borrower has an outstanding loan or when information must be retained for credit reporting, fraud prevention or compliance.
Treasure Bowl Fintech Lending Corp. is included in the Credit Information Corporation’s current list of submitting entities in production. It began submitting live borrower credit data to the CIC database by May 31, 2024.
Information about a Wow Pera loan and its repayment status may therefore become part of the borrower’s Philippine credit record.
Late, missed or unpaid obligations may affect future applications with other financial institutions that use CIC information.
Treasure Bowl Fintech Lending Corp. has the following confirmed registration details:
The company remains listed by the CIC as a submitting entity. In March 2025, it also filed a Philippine trademark application in its corporate name for downloadable software, financing services and installment loans.
These records indicate continuing corporate activity. However, the official Wow Pera website currently states that the application is unavailable on Google Play because of maintenance. New customers should verify the active application channel before submitting personal information.
Company: Treasure Bowl Fintech Lending Corp.
Brand: Wow Pera
Company website: no separate corporate website confirmed
Brand website: www.phwowpera.com
Former Android application: play.google.com/store/apps/details?id=com.wow.pera
Customer-service email: [email protected]
Customer-service phone: +63 917 108 4328
Additional phone: +63 906 577 2483
Operating hours: Monday to Sunday, 9:00 a.m. to 6:00 p.m.
Address published by Wow Pera: Level 29, Joy Nostalg Centre, 17 ADB Avenue, Ortigas Center, Barangay San Antonio, Pasig City 1602, Metro Manila, Philippines
Newer trademark-filing address: 4th Floor, Centrum II Building, Valero Street, Barangay Bel-Air, Makati City 1209, Metro Manila, Philippines
The official website and a 2025 trademark filing publish different addresses. Customers planning an office visit should confirm the current location through customer service before travelling.
Yes, the Treasure Bowl Fintech Lending Corp. is legit. It registered with the Securities and Exchange Commission (SEC), with Registration No. CS201916340 and Certificate of Authority No. 3101. To verify this information, you may also visit the official SEC website.
If you want to file a complaint against "Treasure Bowl Fintech Lending Corp.", 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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