Instant Loan
Personal or emergency needs — medical expenses, tuition, unexpected bills, or a little financial breathing room.
- Loanable Amount: Up to 90% of uncommitted savings or share capital
- Process: Fast & Easy — no long waits or complicated requirements
Loan Against Preferred Deposit
Urgent needs, home expenses, tuition, minor repairs, debt consolidation, or emergency use.
- Loanable Amount: Up to 90% of total Preferred Deposit placement
- Benefit: Fast & Easy — no long waits or complicated requirements
Loan Against Time Deposit
Personal needs, urgent expenses, or funding a productive venture — without breaking your Time Deposit.
- Loanable Amount: Up to 90% of Time Deposit amount
- Benefit: Savings keep earning interest while you borrow
Rice Loan
Personal consumption — budget gaps before payday, back-to-school or holiday seasons, emergencies, and daily household needs.
- Loanable Amount: Up to ₱2,500 per sack (max 2 sacks)
- Type: Short-term, quick, and easy loan
FASS Loan
Farm side-dressing, crop nutrition, personal consumption, household needs, and other productive activities to support farm and family.
- Loanable Amount: Up to ₱15,000 (AA/A) / Up to ₱7,000 (B/C)
- For: Farmer-members with at least 1 hectare of farmland
Petty Cash Loan
Small home repairs, school expenses, groceries, emergency needs, bills, or general living expenses.
- Loanable Amount: Up to ₱20,000
- Exclusive: For loyal, credit-worthy OIC members
Show Money Loan
Proof of funds for visa applications (tourist, student, or immigrant), or financial guarantee for contractors and business projects.
- Loanable Amount: Up to ₱10,000,000
- For: Visa applicants and contractors/business owners