Credit and Savings:
Loan Products

Back to Back Loan

A fast cash loan secured by your share capital. Ideal for urgent or short-term needs.

Loanable Amount: Same to your Share Capital
Terms: 3 to 6 months
Interest Rate: 1.5% diminishing per month

Motorcycle Loan

Designed for members who need a motorcycle for personal use, commuting, or business operations.

Loanable Amount: Up to ₱150,000
Terms: 12 to 36 months
Interest Rate: 2.5% diminishing per month


Term Loan

A multi-purpose loan best suited for starting or expanding a small business, or funding personal projects and goals.

Loanable Amount:
First-time borrower: Up to ₱100,000
Renewal: Up to ₱250,000
Terms: 12 to 24 months
Interest Rate: 1.5% diminishing per month

Travel Loan

Created for both local and international travel expenses. Ideal for vacations or business trips.

Loanable Amount:
Foreign Travel:
Up to ₱100,000 or based on assessed need
Local Travel: Up to ₱50,000 or based on assessed need
Terms: ₱50,000 and below: 3 months
Above ₱50,000: 6 months
Interest Rate: 2.5% diminishing per month

Auto Loan

For purchasing a brand-new vehicle, this loan helps you finance up to 80% of the net cash price.

Loanable Amount: Up to 80% of Net
Cash Price Max of ₱1,000,000
Terms: 12 to 60 months
Interest Rate: 8% diminishing per year

Calamity Loan

A special loan intended to support members affected by natural calamities or disasters.

Loanable Amount: Up to ₱20,000
Terms: 3 to 12 months
Interest Rate: 1% diminishing per month

Educational Loan

A dedicated loan to help cover tuition and school-related fees for you or your immediate family.

Loanable Amount: Based on submitted Billing Statement
Terms: 12 months
Interest Rate: 1.5% diminishing per month

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Loan Cycle Amount Term (Maximum)
First Cycle  ₱5,000 3 Months
Second Cycle Maximum of  ₱10,000 6 Months
Third Cycle Maximum of  ₱15,000 9 Months
Fourth Cycle Maximum of  ₱20,000 12 Months

A loan offered to members who have no credit history or wanted to repair their credit history.