Pricing

Pricing that grows with your group.

Start completely free. Upgrade only when your group grows. No setup fees, no hidden charges, cancel anytime.

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Starter
For new or small paluwagan groups finding their feet.
₱0 / month
Free forever
Up to 15 members
  • Contribution tracking
  • Basic loan management
  • Member app access
  • Manual payment confirmation
  • Basic dashboard
  • Auto-reminders
  • Credit scoring
Start Free
For Cooperatives
Enterprise
For cooperatives and multi-group operators that need scale.
Custom
Tailored to your operation
100+ members
  • Everything in Pro
  • White-label dashboard
  • Dedicated account manager
  • Multi-group management
  • API access
  • SLA guarantee
  • Onboarding assistance
Contact Sales

🔒 30-day money back guarantee · No credit card required to start · Cancel anytime

Compare every feature

Everything included in each plan, side by side.

Feature Starter Pro Enterprise
Core
Members included15100Unlimited
Contribution tracking
Loan managementBasicFullFull
Member mobile app
Fund overview dashboardBasicAdvancedAdvanced
Automation
Automated payment reminders
PayMongo auto-debit
One-click year-end distribution
Google Sheets import
Credit & Insights
PeraNest credit scoring
CSV & PDF export
Multi-group management
API access
Support
Email support
Priority support
Dedicated account manager
SLA guarantee

Pricing questions

Yes. The Starter plan is free for groups of up to 15 members, with no time limit and no credit card required. You only pay when you upgrade to Pro for automation and credit scoring.

We'll let you know when you're close to your limit and prompt you to upgrade. Your existing data is never locked or deleted, you simply move to the next tier when you're ready.

Annual billing gives you two months free, effectively ₱416/month for Pro billed once a year as ₱4,990. You can switch between monthly and annual anytime.

No. PeraNest is a record-keeping and management platform, not a bank or lender. All money moves directly between your members and admins through your own payment channels. We only record the transactions.

Yes. PeraNest uses bank-grade encryption, keeps data on Philippine servers, and is built to comply with the Data Privacy Act of 2012 (RA 10173). See our Data & Compliance page for details.

Absolutely. There are no lock-in contracts on Starter or Pro. Cancel anytime, and you're covered by our 30-day money-back guarantee on paid plans.

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