HappyPera2

★★★★★ 5.0 (1 reviews) · 58 ·

Posted by Junmar

Minimum amount₱1,000

Maximum amount₱100,000

Loan termFrom 91 - 360 days

Interest rateFrom 12% - 24%/year

DisbursementMaximum 120 minutes

RequirementsPhilippine citizen, 18+, valid ID

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Scam Alerts

HappyPera2 is available only on 📱 Android. Be cautious of any website claiming to offer or represent HappyPera2.

HappyPera2

5.0

HappyPera2 — App information
App information	Android
Version	1.0.7
Updated	01/07/2026
Released	25/09/2025
Downloads	100K+
Size	37.1MB
Requirements	Android 5.0 and up

Contact information

Company Royal Yohoo Lending Investors Corporations
Email [email protected]
Website rylicph.com
Phone number +63 927 865 0009
Working hours Monday - Friday (8:00 AM - 7:00 PM)
Address 31st Floor,One San Miguel Buildin, one San Miquel Ave., Ortigas Center, City of Pasig, Second District, Metro Manila, Philippines
SEC Registration No. CS201906145
Certificate of Authority No. 2940

Detailed information

Borrowing Type

Online Personal Loan

Applicant Age

At least 18 years old

Earnings Requirement

Stable source of income

Contact Number

Active Philippine mobile number

Receiving Account

Valid Bank Account (subject to company policy)

Supporting Documents

Valid government-issued ID and supporting personal information

Initial Credit Limit

Subject to credit evaluation

Financing Options

Up to ₱100,000 depending on credit assessment

Approval Period

Fast review after application submission

Handling Fee

No hidden fees, applicable charges are disclosed before loan confirmation

Default Fee

May apply according to the Loan Agreement and company policy

Credit Limit

From ₱1,000 – ₱100,000

Interest rate for month 08/2026

15.37%/year·1.28%/month

Detailed review

HappyPera2 is an online lending app that provides a simple application process, fast loan evaluation, and transparent loan information in the Philippines. Users can complete their loan application entirely on their mobile phones without the need for face-to-face meetings. All loan applications are evaluated based on the applicant’s credit profile and the company’s current lending policies.

Legal Information about the App

HappyPera2 is operated by Royal Yohoo Lending Investors Corporations, a company legally licensed to operate in the Philippines.

SEC Registration No.: CS201906145
Certificate of Authority No.: 2940

The company’s registration information can be verified through the official SEC Philippines website. HappyPera2 is a legally registered lending platform and does not represent any government agency.

Highlights of the HappyPera2 App

The entire application process is completed online using a mobile phone, saving users time and providing greater convenience.
The system processes applications quickly and sends the evaluation result as soon as the review is completed.
Borrowers can choose repayment terms ranging from 91 to 360 days, depending on their financial capacity.
Interest rates, fees, and loan terms are clearly displayed before customers confirm their loan application.
Customers’ personal information is managed in accordance with high security and data protection standards.

Guide to Applying for a Loan Safely

Step 1: Download HappyPera2 from Google Play, register an account using your mobile number, and complete the verification process.

Step 2: Provide your personal information, a valid government-issued ID, and income information as required.

Step 3: Select your preferred loan amount and repayment term, then submit your application for the system’s evaluation.

Step 4: Once the loan is approved, the funds will be disbursed to your bank account or e-wallet.

Note: Before confirming your loan application, users should carefully read the Terms and Conditions and the Disclosure Statement to fully understand the applicable interest rates, fees, and repayment obligations.

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