Emergencies happen when we least expect them—medical bills, urgent home repairs, or unexpected travel. Small loans can be a lifesaver, but using them wisely is key to avoid financial stress.
1. Borrow Only for True Emergencies
Evaluate the situation carefully. Ask yourself: Is this urgent, or can it wait? Loans should be reserved for essential needs, not luxury purchases.
2. Plan Repayment Before Borrowing
Check your monthly budget and ensure you can repay without compromising essentials. PeraBag provides transparent repayment schedules so you can plan ahead.
3. Keep Records
Track loan amounts, interest, and due dates. This ensures timely repayment and prevents accidental missed payments.
4. Avoid Multiple Loans at Once
Multiple concurrent loans can quickly become unmanageable. Take one loan at a time and complete repayment before applying for another.
Used responsibly, a PeraBag loan can be a helpful financial tool. Borrow smart, plan ahead, and stay in control.
Pera Bag
+63 889285032
perabag@got-it-lending.com
Mondays to Sundays 9:00 AM - 6:00 PM
In-App Online Customer Service：Available 24/7
