Loans
Credit & Loan Products
Accessible, fair, and transparent financing designed for real member needs.
Appliance & Home Improvement
Turn your house into a home with the latest comfort and technology. This loan allows you to upgrade your kitchen, purchase energy-efficient home appliances, or invest in quality furniture and fixtures that enhance your daily living standards.
Max Amount
Varies
Max Term
36 months
Annual Rate
14%
Requirements
Benefits
Commodity & Utility Support
A practical helping hand for the everyday. This loan ensures you can stay on top of household consumption needs and utility payments, maintaining a smooth and comfortable household for your family.
Max Amount
Varies
Max Term
12 months
Annual Rate
14%
Requirements
Benefits
- Availability: Year-Round
Debt Redemption
Break free from high-interest debt. Use this facility to consolidate and pay off loans from other financial institutions, allowing you to manage your obligations more efficiently under the cooperative’s friendly terms.
Max Amount
Varies
Max Term
36 months
Annual Rate
14%
Requirements
Benefits
- Availability: Year-Round
Educational Advancement
Investment in knowledge pays the best interest. This loan is designed to ease the burden of tuition fees, school supplies, and professional development costs, ensuring that you and your children have the resources to achieve academic success.
Max Amount
Varies
Max Term
12 months
Annual Rate
12%
Requirements
Benefits
- Availability: Year-Round
Entrepreneurial & Business Loan
Fuel your ambitions and grow your income. Whether you are starting a small commercial venture, scaling up an existing service business, or investing in agri-business, we provide the capital needed to drive your success.
Max Amount
Varies
Max Term
60 months
Annual Rate
10%
Requirements
Benefits
- Availability: Year-Round
Housing & Renovation Loan
Your home is your sanctuary. Whether you are laying the first brick for a new house, expanding your space for a growing family, or simply giving your current home a much-needed facelift, we provide the financial foundation to help you build your dreams.
Max Amount
Varies
Max Term
60 months
Annual Rate
12%
Requirements
Benefits
- Availability: Year-Round
Medical & Health Care (Immediate Family)
Health is your greatest wealth. This loan provides a supportive safety net for hospitalization costs, the purchase of maintenance medications, and the payment of health insurance premiums for both you and your immediate family members.
Max Amount
Varies
Max Term
36 months
Annual Rate
8%
Requirements
Benefits
- Availability: Year-Round
Pre-need & Future Security
Protect your family’s tomorrow by planning today. Use this loan to secure life or non-life insurance policies, memorial plans, and other long-term security arrangements that offer peace of mind during life’s most uncertain moments.
Max Amount
Varies
Max Term
12 months
Annual Rate
10%
Requirements
Benefits
- Availability: Year-Round
Travel & Vacation
Reward your hard work with a change of scenery. Whether it’s a local weekend getaway or an international dream vacation, this loan helps you fund the flights and accommodations for your next great adventure.
Max Amount
Varies
Max Term
36 months
Annual Rate
14%
Requirements
Benefits
- Availability: Year-Round
Vehicle Purchase & Maintenance (Brand New)
Stay mobile and independent. We offer funding for brand-new personal vehicles or reliable pre-owned units. This facility also covers essential vehicle repairs and annual registration fees so you can focus on the journey ahead.
Max Amount
Varies
Max Term
60 months
Annual Rate
8%
Requirements
Benefits
- Availability: Year-Round
Back-to-Back (Secured) Loan
Leverage your own financial strength. This facility allows you to take out a loan against your existing savings or time deposits, giving you quick access to cash without having to withdraw your hard-earned capital.
Max Amount
Varies
Max Term
36 months
Annual Rate
14%
Requirements
Benefits
- Availability: Year-Round
Bereavement Support (Family)
We stand with you during your most difficult times. This loan is intended to provide dignified financial assistance to cover funeral, cremation, or memorial expenses, allowing you to focus on honoring the memory of your loved ones.
Max Amount
Varies
Max Term
36 months
Annual Rate
6%
Requirements
Benefits
- Availability: Year-Round
Calamity & Disaster Relief
When the unexpected happens, your cooperative is here to help. This relief loan provides immediate financial assistance to members affected by natural disasters, helping you and your family rebuild and recover quickly.
Max Amount
Varies
Max Term
36 months
Annual Rate
6%
Requirements
Benefits
- Availability: Declared Emergency
Holiday & Anniversary
Experience the joy of the seasons. Enjoy dedicated support for Christmas celebrations or take advantage of special terms during our Coop Anniversary month to make your year-end goals a reality.
Max Amount
Varies
Max Term
12 months
Annual Rate
14%
Requirements
Benefits
- Availability: Seasonal
Hospital Admission Facility (Others)
In moments of medical emergency, time and finances should not be a barrier. This is an expedited credit line that offers immediate support for urgent hospital bills when quick action is required.
Max Amount
Varies
Max Term
36 months
Annual Rate
10%
Requirements
Benefits
- Availability: Year-Round
Multipurpose Flexi-Loan
Life doesn't always fit into one category. This flexible loan is your "all-in-one" solution for various personal goals, providing you the liquid capital to handle whatever life throws your way.
Max Amount
Varies
Max Term
36 months
Annual Rate
14%
Requirements
Benefits
- Availability: Year-Round
Special Occasions
Make every milestone count. From the joy of a child’s christening to the pride of a graduation party or the tradition of a town fiesta, we help you host the celebrations that bring people together.
Max Amount
Varies
Max Term
12 months
Annual Rate
14%
Requirements
Benefits
- Availability: Birthdays, anniversaries, graduations, or fiestas
Wedding & Union Loan
Celebrate love without the financial worry. Designed to help you or your immediate family members fund a beautiful and memorable wedding ceremony, from the venue to the reception and everything in between.
Max Amount
Varies
Max Term
36 months
Annual Rate
14%
Requirements
Benefits
- Availability: Year-Round