💸Your Easy-Access Loan for Life’s Everyday Needs.

INSTANT CASH, THE OIC WAY! Need extra funds but don’t want the hassle of complicated requirements or collateral? Good news, Ka-OIC! OIC’s newest Easy-Access Loan lets you borrow against your own savings – simple, secure, and stress-free! This easy-access loan lets you borrow against your own savings or share capital.

Key Features:

• Purpose: Personal or emergency needs, such as medical expenses, tuition payments, unexpected bills, or simply a little financial breathing room.
• Loanable Amount: Up to 90% of your total uncommitted Regular Savings Deposit, Compulsory Savings Deposit, or Common Share Capital.
• Collateral: Non-Collateral; your savings and share capital cover it.
• Process: Fast & Easy Process, no long wait times or complicated requirements.

• Who Can Apply: Member with verifiable source of income (employed or in business).

For further details, please visit our website at www.orointegrated.coop and navigate to the Contact Us menu.

Need Quick Funds Without Touching Your Savings?

Borrow Against Your Preferred Deposit at OIC! Looking for a fast and flexible way to access cash without withdrawing your hard-earned savings? OIC’s Loan Against Preferred Deposit is the smart solution that lets you borrow while your money continues to grow! This all-purpose loan allows you to borrow up to 90% of your Preferred Deposit placement with OIC – without closing or touching your deposit.

Key Features:

• Purpose: Urgent needs, home expenses, personal goals, personal or household expenses, tuition or school fees, minor home repairs, debt consolidation or emergency use, productive or non-income generating purposes.
• Loanable Amount: Up to 90% of your total Preferred Deposit amount.
• Eligibility: Active Preferred Deposit placement, deposit has a maturity date of at least 3 months from the loan application date.
• Benefits: Lower risk and better peace of mind (deposit serves as collateral), fast processing, no need for additional documents or co-makers.

For further details, please visit our website at www.orointegrated.coop and navigate to the Contact Us menu.

🍚 Keep Your Family’s Table Full – Especially During Tight Times

Running Low on Rice? OIC’s Rice Loan Has You Covered! We offer the Rice Loan – a short-term loan designed to provide up to 2 sacks of good-quality rice for personal consumption. This quick and easy short-term loan allows qualified OIC members to get up to 2 sacks of good-quality rice on credit.

Key Features:

• Purpose: For personal consumption, covering budget gaps before payday, back-to-school or holiday seasons, emergencies and unforeseen expenses, and daily household needs.
• Loanable Amount: Up to the current value of one (1) sack of good-quality rice, not exceeding ₱2,500 per sack. Members can apply for up to two (2) sacks, depending on eligibility.

For further details, please visit our website at www.orointegrated.coop and navigate to the Contact Us menu.

🌾 Para sa Masaganang Ani at Mas Luwag na Buhay. 🌾

Introducing OIC’s FASS Loan – Farmer’s Assistance for Side-Dressing & Subsistence Loan – specially designed to support the hardworking hands that feed the nation. This is a short-term, fast, and flexible loan providing real support to farmer-members.

Key Features:

• Purpose: For farm side-dressing and crop nutrition, personal consumption or household needs, and other productive activities to support your farm and family.
• Loanable Amount:
  • AA & A classification: up to ₱15,000
  • B & C classification: up to ₱7,000
• Who Can Avail: A farmer-member in good standing, engaged in crop or livestock production, own at least 1 hectare of farmland, located within 100 km of any OIC branch.

For further details, please visit our website at www.orointegrated.coop and navigate to the Contact Us menu.

🌍✈️ Don’t let money stand in the way of your dreams!

Need “Show Money” for Visa Application? OIC’s Got Your Back! Planning to travel, study, or migrate abroad but worried about the “proof of funds” requirement? This is a financial guarantee loan that provides proof of funds or certificate of deposit needed for visa applications (tourist, student, or immigrant) or for contractors needing a bond or financial guarantee for business projects and government contracts.

Key Features:

• Purpose: To meet visa financial requirements for travel, study, or migration abroad, or for contractors needing a bond or financial guarantee for business projects and government contracts.
• Loanable Amount: Minimum: ₱100,000; Maximum: ₱10,000,000.
• Who Can Apply:
  • Members applying for a tourist, student, or immigrant visa; must not have an existing loan with OIC.
  • Contractors and business owners (sole proprietors, partners, or shareholders in a corporation); businesses that have been operating profitably for at least 3 years.
  • Member’s total debt must not exceed 40% of their adjusted debt capacity.

For further details, please visit our website at www.orointegrated.coop and navigate to the Contact Us menu.