💰 Loanable Amount

• • Up to 90% of total uncommitted Regular Savings Deposit
• • Or up to 90% of Compulsory Savings Deposit or Common Share Capital

📋 Collateral

• • Non-collateral — savings and share capital serve as security

⚡ Process

• • Fast and easy — no complicated requirements

Eligibility: OIC member with verifiable source of income (employed or in business).

💰 Loanable Amount

• • Up to 90% of your total Preferred Deposit amount

📋 Eligibility

• • Active Preferred Deposit placement with OIC
• • Deposit has at least 3 months before maturity from loan application date

✅ Benefits

• • Deposit continues to earn interest while borrowing from it
• • Fast processing — no co-makers or additional documents

Eligibility: OIC member with active Preferred Deposit placement. Deposit must have at least 3 months remaining before maturity.

💰 Loanable Amount

• • Up to ₱2,500 per sack of good-quality rice
• • Members may apply for up to two (2) sacks, depending on eligibility

🍚 Coverage

• • Personal consumption and household needs
• • Emergency and payday gap support

Eligibility: OIC member in good standing who qualifies based on membership classification.

💰 Loanable Amount

• • AA & A classification: up to ₱15,000
• • B & C classification: up to ₱7,000

🌾 Coverage

• • Farm side-dressing and crop nutrition
• • Personal consumption and household needs
• • Other productive farm activities

Eligibility: Farmer-member in good standing, engaged in crop or livestock production, with at least 1 hectare of farmland within 100 km of any OIC branch.

💰 Loanable Amount

• • Minimum: ₱100,000
• • Maximum: ₱10,000,000

✅ Who Can Apply

• • Members applying for tourist, student, or immigrant visa (no existing OIC loan)
• • Contractors and business owners needing a bond or financial guarantee
• • Business operational and profitable for at least 3 years

📋 Debt Requirement

• • Total debt must not exceed 40% of adjusted debt capacity

Eligibility: OIC member applying for visa (no existing OIC loan) or contractor/business owner with 3+ years of profitable operations. Total debt must not exceed 40% of adjusted debt capacity.