Objectives: To offer individuals with access to loans and advances for the aim of funding consumption-related expenditures such as those incurred for payment of bills, the purchase of groceries, and apparel.

Target Market

• Salaried Employees
• Professionals
• OFWs
• Other individuals with definite source of income

Features of the Loan Product

A.  Auto (Car) Loans

1. Walk-in Clients

• Interest Rate: 10%-19% p.a.
• Equity Required: Avail of dealer’s promotional down payment (minimum)
• Term: Five (5) years
• Mode of payment: Monthly

2. Tie-Up with Car Dealers

• Interest Rate: Based on dealer’s promo
• Cash Equity: Avail of dealer’s promotional down payment
• Mode of Payment: Monthly

3. Second-Hand Vehicles (SUV, Car, Pick-up)

• Interest Rate: 10% – 19% depending on BRR
• Term: Maximum of Three (3) years
• Cash Equity: Minimum of 20% or equivalent loan value of real estate property
• Mode of Payment: Depends on cash flow of the client

B. Motorcycle Loans

• Interest Rate: 10% – 19% p.a.
• Term: Three (3) Years
• Mode of Payment: Monthly

The Motorcycle Loan may be availed for the following:
◦ Purchase of brand new tricycle (10% equity required);
◦ Finance a recently-purchased tricycle – purchased within one (1) year from the date of loan
application (10% equity required); and
◦ Purchase of brand new motorcycle (if the cost of the motorcycle is ₱ 50,000 and below,
equity of 5% is required; If the cost of the motorcycle is more than ₱ 50,000, equity of 10%
is required)

C. Others – Educational Loans

• Interest Rate: 10% – 19%
• Term: Maximum of One (1) Year

D. Others – Medical Loans

• Interest Rate: 10% – 21% p.a.
• Term: One (1) Year

E. Others – Salary Loans (Department of Education)

• Interest Rate: 12% – 18% p.a.
• Term: Maximum of Three (3) Years (For new borrowers)

F. Others – Salary Loans (Other Private Institutions)

• Interest Rate: 12% – 18% p.a.
• Term: Maximum of Three (3) Years
• Mode of Payment: Monthly