WowPera - Fast Safe Loan App is a free-to-use finance app that operates in the Philippines. This online loan app from WowPera promises quick and reliable lending designed to help Filipinos access the extra financing services they need. Like most online lending platforms, it also allows you to choose the loan amount you need as well as the payment terms.

With real-time updates on your loan status, plus a streamlined layout overall, WowPera - Fast Safe Loan App remains one of the most trusted apps in the Southeast Asian nation. Other alternatives include Digido Philippines Online Loan or OurCash Lend.

A standard lending app

In the Philippines, the government actively works against illegal lending platforms, which is why registering with them is a good sign. WowPera - Fast Safe Loan App and Zippeso, another online lending app, are owned by Treasure Bowl Fintech Lending Corp that’s registered with the Securities and Exchange Commission. For WowPera, you can borrow up to 20,000 Philippine pesos, with payment terms ranging from 91 to 120 days.

For the layout, it sports a visually appealing arrangement, with unique icons accompanying most of its features. It also facilitates a straightforward registration process, although uploading the necessary documents can be a bit challenging because there are a lot of them, and you have to take photos of IDs and documents. Both the registration and loan approval processes can take longer, compared to other apps.

Lastly, while it’s free to use and is registered with the government, users have reported experiencing distress because of the incessant calls and messages from the platform once they’ve missed payments. Also, the app is known for regularly lagging and freezing, even for newer device models. It can severely hinder the experience, especially since it doesn’t save your progress when you’re filing applications.

Reliable, but unrelenting

While most lending apps have a short lifespan, WowPera - Fast Safe Loan App managed to stay in the Philippine market for longer, and with good reason. Although the app itself could still use more work in terms of optimization, it provides flexibility in terms of the loan amount and repayment period. However, while it is considered legal, failure to pay on time could lead to some stressful follow-up.