Kusog Pera Lending Inc. is a Philippine lending company operating two active digital lending platforms: Kusog Pera and SnaPera. Both services provide online personal loans through Android applications and identify Kusog Pera Lending Inc. as the legal lender.
The company is registered with the Philippine Securities and Exchange Commission under SEC Registration Number CS201916669 and Certificate of Authority Number 3118, issued on October 22, 2019. Kusog Pera Lending Inc. also appears in the current Credit Information Corporation lists of accessing entities and submitting entities in production.
The company has two confirmed online lending brands:
The Philippine SEC previously identified Kusog Pera and SnaPera as the registered online lending platforms of Kusog Pera Lending Inc. Both brands currently have active Android applications published under the company’s legal name.
Kusog Pera and SnaPera are separate applications with different published loan limits and repayment periods. Approval through one platform does not guarantee approval through the other.
The current Kusog Pera application publishes the following general conditions:
The platform states that applicants can review the loan amount, applicable interest, payment schedule and total repayment before submitting the application.
The maximum ₱50,000 amount is not guaranteed. The amount, rate and repayment period available to an applicant depend on the company’s eligibility and credit assessment.
The official application provides an example of a ₱10,000 loan issued for 120 days, or four months, at an APR of 18%.
The calculation is presented as follows:
The example does not include a separate service or processing fee. Applicants should still check their individual Disclosure Statement for all applicable charges and deductions.
The Kusog Pera application publishes the following basic requirements:
The platform states that applications may be available to salaried employees, freelancers, self-employed individuals and young professionals. Meeting these general requirements does not guarantee approval.
SnaPera is the company’s second active digital lending brand. Its current application publishes:
SnaPera advertises approval within minutes and quick electronic disbursement. These statements describe the intended process but do not guarantee that every application will be reviewed or funded within a specific time.
The official SnaPera application provides an example based on a ₱10,000 loan with an annual rate of 18%.
The calculation is presented as follows:
The published formula uses a 90-day calculation even though the example describes a 91-day loan. The difference is small, but the borrower should rely on the precise figures in the individual Disclosure Statement rather than reproduce the example independently.
Kusog Pera and SnaPera are operated by the same company but publish slightly different product conditions.
| Condition | Kusog Pera | SnaPera |
|---|---|---|
| Minimum amount | ₱2,000 | ₱1,000 |
| Maximum amount | ₱50,000 | ₱50,000 |
| Repayment period | 91–180 days | 91–120 days |
| Maximum APR | 36% | 36% |
| Published installments | Scheduled installments | 2–4 installments |
| Published disbursement | Electronic transfer | GCash, Maya or bank transfer |
The individual offer may differ from the maximum amounts shown publicly. A borrower should compare the actual interest, deductions, installment schedule and total repayment offered by each application.
The applicant should use only the verified Google Play page for Kusog Pera or SnaPera.
The developer must be displayed as:
KUSOG PERA LENDING INC.
Applications with a similar name but a different developer should not be treated as official.
The applicant creates an account with an active Philippine mobile number. The number may be used for:
Passwords, PINs and one-time verification codes should not be disclosed to another person.
The customer submits the personal, contact, employment and financial information requested through the application.
The information should be accurate and consistent with the applicant’s identification documents. Missing or contradictory details may delay the review or result in rejection.
Both products require at least one valid government-issued ID. The current public descriptions do not provide a complete list of accepted documents.
The applicant should follow the options displayed in the official application and ensure that the ID:
The applicant selects from the options made available after or during the assessment.
The advertised maximum limit does not mean that every amount within the published range will be available. A new customer may receive a lower initial limit.
SnaPera expressly names GCash, Maya and bank transfer as available disbursement methods. The receiving account should belong to the applicant, and all account details should be checked before submission.
Current disbursement options in the Kusog Pera application should be verified during the application process.
Before confirming the loan, the applicant should check:
The individual Disclosure Statement and loan agreement take priority over general information in an application-store description.
Both applications advertise a fully digital process. SnaPera states that approval may be provided within minutes and that funds may be released through GCash, Maya or bank transfer.
Processing may take longer when:
Submitting an application does not guarantee approval, the maximum amount or immediate disbursement.
Both active applications publish a maximum APR of 36%. Their representative examples use an 18% annual rate.
The public descriptions do not provide a complete standard schedule for:
Applicants should compare the total amount payable rather than focus only on the annual rate.
The principal can also differ from the net amount received when a fee is deducted before disbursement. Any such deduction should be clearly shown before the loan is confirmed.
The Kusog Pera application states that maintaining a good repayment history may be considered when the customer submits a future application. However, the company does not guarantee:
Every new application remains subject to another eligibility assessment.
The current public descriptions do not provide a complete list of repayment channels.
Borrowers should follow only the payment instructions shown in:
Before making a payment, the borrower should confirm:
Money should not be transferred to an unidentified personal account belonging to someone claiming to represent Kusog Pera Lending Inc.
Payment receipts and reference numbers should be retained until the transaction appears in the loan account.
The public app descriptions do not clearly explain whether early settlement reduces future interest or whether a separate settlement fee applies.
A borrower who plans to pay early should request an exact payoff calculation showing:
The loan should not be treated as closed until the company confirms that no balance remains.
The public application pages do not publish one standard late-payment penalty applicable to all loans.
The individual agreement should specify:
A borrower expecting repayment difficulty should contact the relevant support team before the due date and request written information about available options.
Kusog Pera Lending Inc. appears in the current CIC lists of both accessing entities and submitting entities in production. The company was already identified as a production submitting entity in October 2023.
This means that relevant information about a Kusog Pera or SnaPera loan and its repayment status may become part of the Philippine credit-information system.
Late, missed or unpaid obligations may affect future applications with other lenders that access CIC credit data.
The Google Play disclosures for both applications state that they may collect personal and financial information. The apps may also share financial information and device identifiers with third parties.
Both listings state that:
The Kusog Pera listing identifies personal information, financial information and three other data categories as potentially collected. SnaPera identifies personal information, financial information and four additional categories.
Customers should review the complete privacy policy and Android permission requests before submitting an application.
A request to delete an account may not immediately remove information that must be retained because of:
Kusog Pera Lending Inc. has the following confirmed registration information:
Company: Kusog Pera Lending Inc.
Active brands: Kusog Pera and SnaPera
SEC Registration Number: CS201916669
Certificate of Authority Number: 3118
Certificate of Authority date: October 22, 2019
The company remained included in the SEC list of registered lending companies dated August 31, 2024. Both Kusog Pera and SnaPera were previously confirmed by the SEC as the company’s registered online lending platforms.
Registration authorizes the company to operate as a lending company. It does not guarantee approval, a specific loan limit or identical conditions for every borrower.
Company: Kusog Pera Lending Inc.
Company website: no separate public corporate website confirmed
Kusog Pera website: www.kusogperaph.com/klkp/
Kusog Pera Android application: play.google.com/store/apps/details?id=com.kusoglending.ksgpera
Kusog Pera email: [email protected]
Kusog Pera hotline: +63 927 815 6480
SnaPera website: www.kssnapera.com
SnaPera Android application: play.google.com/store/apps/details?id=com.kusoglending.snapera
SnaPera email: [email protected]
SnaPera customer-service numbers: +63 961 477 4987 and +63 967 277 5445
Developer phone: +63 997 531 6054
Operating hours: Monday to Saturday, 8:00 a.m. to 5:00 p.m.
Office address: Level 29, Joy Nostalg Centre, 17 ADB Avenue, Ortigas Center, Pasig City 1600, Metro Manila, Philippines
The official active brands are Kusog Pera and SnaPera. Both applications are published by Kusog Pera Lending Inc. and use the same corporate registration details.
Yes, the Kusog Pera Lending Inc. is legit. It registered with the Securities and Exchange Commission (SEC), with Registration No. CS201916669 and Certificate of Authority No. 3118. To verify this information, you may also visit the official SEC website.
If you want to file a complaint against "Kusog Pera Lending Inc.", 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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