As online lending becomes more popular in the Philippines, more users are choosing apps to manage urgent financial needs. However, scams are also on the rise. Falling victim can cost you money and expose your personal information. To help you stay safe, here are 5 practical anti-fraud tips from PeraBag:

Always download loan apps from Google Play or official links. Avoid third-party websites or suspicious links. Legitimate apps display the company name and SEC registration details for verification.

Licensed lending companies in the Philippines must be registered with the SEC (Securities and Exchange Commission) and hold a CA Certificate of Authority. You can verify this on the SEC website. PeraBag is operated by Got-It Lending Inc., a fully licensed and compliant lender.

No legitimate lender will ask you to pay processing fees, deposits, or any amount before loan approval. If someone claims you need to pay to speed up approval or increase your limit, it's a scam.

Scammers often send phishing messages or impersonate support agents asking for your OTP. Remember: PeraBag will never ask for your password or verification code via SMS or calls. Always handle transactions inside the app.

Never upload ID photos or bank details on unverified websites or social platforms. Protecting your identity is key to preventing fraud.

Choosing a legitimate platform is your first defense against scams. PeraBag uses data encryption and strict privacy measures to ensure safe borrowing. Stay alert, stay protected.