💸 INSTANT CASH, THE OIC WAY!

Introducing: Your Easy-Access Loan for Life’s Everyday Needs

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! 

WHAT IS THIS LOAN FOR?

This loan is perfect for your personal or emergency needs, giving you fast access to cash secured by your own OIC savings or share capital.

Whether it’s for:

Medical expenses 💉

Tuition payments 🎓

Unexpected bills ⚡

Or simply a little financial breathing room – you’ve got options right here. #WhereFinancialFreedomBegins

KEY FEATURES:

– Non-Collateral

– No need for additional assets – your savings and share capital have you covered!

Loan Amount

✔ Borrow up to 90% of your total uncommitted:

Regular Savings Deposit

Compulsory Savings Deposit

Common Share Capital

Flexible Terms

✔ Minimum term: 3 months

✔ Maximum term: 60 months

Fast & Easy Process

✔ No long wait times

✔ No complicated requirements

✔ Just you, your savings, and your signature!

WHO CAN APPLY?

– OIC member, 18 years old and above

– With verifiable source of income (employed or in business)

WHY THIS LOAN MAKES SENSE?

Because YOU worked hard for your savings – now let it work for YOU when you need it most. This is financial empowerment, the OIC way.

📞 Ready to unlock your cash?

Visit or contact your nearest OIC branch today and ask about the Easy-Access Loan!

🌐 https://orointegrated.coop/contact-us

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!

Whether it’s for urgent needs, home expenses, or personal goals – this loan is designed with your security and convenience in mind.

What is Loan Against Preferred Deposit?

It’s an all-purpose loan that allows you to borrow up to 90% of your Preferred Deposit placement with OIC – without closing or touching your deposit. Your savings stay intact, and you get the cash you need now!

Perfect for:

💼 Personal or household expenses

🎓 Tuition or school fees

🏡 Minor home repairs

💳 Debt consolidation or emergency use

🚗 Productive or non-income generating purposes

You’re eligible if:

✔️ You have an active Preferred Deposit placement

✔️ Your deposit has a maturity date of at least 3 months from the loan application date

How Much Can You Borrow?

You can loan up to 90% of your total Preferred Deposit amount

Enjoy lower risk and better peace of mind – your deposit serves as collateral

Fast processing, no need for additional documents or co-makers

📣 Don’t Withdraw – Just Borrow!

Access the money you need without disrupting your savings goals.

Visit or call your nearest OIC branch today and ask about the Loan Against Preferred Deposit.

📞 Secure. Convenient. Ready When You Are.

At OIC, your future is always protected – even when you need a little help today. 

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

🍚 Running Low on Rice? OIC’s Rice Loan Has You Covered!

At OIC, we know how important it is to keep your family’s table full – especially during tight times. That’s why we offer the Rice Loan — a short-term loan designed to provide up to 2 sacks of good-quality rice for personal consumption.

It’s simple, affordable, and made just for our valued members. Because no one should have to worry about putting food on the table. 

What is the Rice Loan?

A quick and easy loan that allows qualified OIC members to get up to 2 sacks of rice on credit – perfect for:

– Budget gaps before payday

– Back-to-school or holiday seasons

– Emergencies and unforeseen expenses

– Daily household needs

You may apply if:

✔️ You are a full-fledged OIC member 

✔️ You have at least ₱3,000 uncommitted common share capital at the time of application

How Much Can I Borrow?

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

How Long Do I Have to Pay?

🧑‍🌾 Farmer Members – Up to 2 months repayment term

👩‍💼 Non-Farmer Members – Up to 1 month repayment term

📣 Apply Today – Feed Your Family with Ease!

It’s a small loan with a big impact – helping you meet your family’s basic needs without the stress.

At OIC, we don’t just support your finances – we support your everyday life.

📞 Message or call your branch now and start your Rice Loan application!

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. 

Whether it’s for boosting your crop growth through side-dressing or for personal needs while waiting for harvest, this loan gives real support to our farmer-members – short-term, fast, and flexible.

🌱 What’s This Loan For?

✅ For farm side-dressing and crop nutrition

✅ For personal consumption or household needs

✅ For other productive activities to support your farm and family

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

How Much Can I Borrow?

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

(All subject to cooperative evaluation and approval.)

📅 Loan Terms:

• Minimum of 1 month, up to 10 months
• Co-terminus with your existing Agri Loan (if any)

📞 Ready to grow your farm and secure your needs?

Visit your nearest OIC branch today or message us for details!

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

🌍✈️ 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? Don’t let money stand in the way of your dreams! With OIC’s Show Money Loan, we make it easier and more affordable to meet visa financial requirements – without draining your actual savings.

What is a Show Money Loan?

This is a financial guarantee loan that gives you the proof of funds or certificate of deposit needed for visa applications – whether you’re going abroad as a tourist, student, or immigrant. It’s also available for contractors needing a bond or financial guarantee for business projects and government contracts.

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

Loanable Amount

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

Term of Loan

• Minimum: 1 month
• Maximum: 12 months

Short-term, flexible, and just right for visa requirements and financial guarantees!

📞 Start your journey with peace of mind!

Visit your nearest OIC branch today or message us to learn more about how the Show Money Loan can help you move forward – literally!

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