Provident Loans
Loans available to members for non-income generating purpose.
Personal Loan
- Commonly known as Regular or Multi Purpose Loan
- 1.8% per month, diminishing balance
- Max. Term: 60 months
Salary Loan
- Intended to provide financial assistance to employed members
- 1% per month, diminishing balance
- Max. Term: 24 months
CooPabahay Loan
- A long-term loan to finance the purchase, construction, or renovation of a residential property.
- 1% per month, diminishing balance
- Max. Term: 15 years
Productive Loans
Loans available to members for income generating purpose.
Agri-Business Loan
- Intended to support members engaged in farming, livestock, or other agricultural enterprises
- 1.8% per month, diminishing balance
- Max. Term: 60 months
Agri-Production Loan
- Intended to finance the purchase of seeds, fertilizers, livestock, feeds, and other essential inputs for crop and animal production
- 1.8% per month, diminishing balance
- Max. Term: 6 months
Micro-Entrepreneurial Loan
- Intended to support small-scale business owners in starting, sustaining, or expanding their livelihood activities
- 1.5% per month, diminishing balance
- Max. Term: 24 months
Small and Medium-sized Enterprise (SME)
- Intended to provide financial assistance to small and medium-sized business owners
- 1.5% per month, diminishing balance
- Max. Term: 60 months
Special Loans
Designed to cater to the specific financial needs of members. Loan products under this loan window are both covered by the provision of this loan policy and passed Board Resolution including loans granted to Directors, Officers and Staff of the Cooperative (DOS).
Auto Loan
- Intended to help members finance the purchase of a brand-new vehicle
- 10% per annum, Annuity
- Max. Term: 60 months
Motorcycle Loan
- Intended to assist members in purchasing a brand-new motorcycle
- 1.25% per month, diminishing balance
- Max. Term: 36 months
Pension Loan
- For qualified pensioners who need immediate financial assistance
- 1.5% per month, diminishing balance
- Max. Term: 18 months
Real Estate Loan
- Intended to help members acquire, develop, or improve residential, commercial, or agricultural properties
- 1.25% per month, diminishing balance
- Max. Term: 60 months
Star Member Loan
- A special loan privilege exclusively offered to qualified Star Members as recognition of their loyalty and good standing
- 0.5% per month, diminishing balance
- Max. Term: 36 months
Over The Counter Loans
For members who need immediate financial assistance and prefer a fast, walk-in application process.
Express Loan
- Intended to meet members’ urgent and short-term financial needs
- 0.75% per month, diminishing balance
- Max. Term: 36 months
Petty Cash Loan
- Provide members with small, short-term cash assistance for minor or immediate personal expenses
- 1.5% per annum, diminishing balance
- Max. Term: 12 months
Emergency Loan
- Provide immediate financial relief to members
- Interest Rate: 0%
- Max. Term: 1 month
Time Deposit Loan
- Intended for members who wish to borrow against their existing time deposit
- 1% per month, diminishing balance
- Max. Term: 36 months
Medical Loan
- Intended to assist members in covering healthcare-related expenses such as hospitalization, surgery, medications, or medical procedures
- 0.83% per month, diminishing balance
- Max. Term: 36 months
Gadget Loan
- Intended to help members purchase essential electronic devices such as smartphones, tablets, or laptops for personal, educational, or work-related use
- 1.5% per annum, Annuity
- Max. Term: 24 months
Fast / Easy / Secure