Far From the Branch, but Close to OIC.

The Outside Territory Loan is Just for You! Whether you’re in Lanao, Misamis Occidental, Zamboanga, or beyond – OIC is now bringing financial access closer to members outside our usual radius! This special loan is designed for OIC member-borrowers whose residence or business is beyond 100 km from the nearest OIC branch.

Key Features:

• Purpose:
  • Vehicle Purchase (brand new, surplus, or reconditioned).
  • Real Estate Financing (lot purchase, home or building construction).
  • Permanent Working Capital (for business growth).

• Loanable Amount:
  • Vehicle Financing – Up to 100% of purchase price (within SBL limits).
  • Lot Acquisition / House or Building Construction – Based on selling price.
  • Working Capital – Up to actual business requirement (within SBL limits).

• Who Can Apply:
  • Business owners aged 18–69 years old.
  • Sole proprietors, partners, or corporate shareholders.
  • Engaged in trading, vending, processing, manufacturing, agribusiness, or services.

• Must have a profitable business operating for at least 3 years.
• Possess good credit standing and provide acceptable collateral (real estate or vehicle).
• Operate environment-friendly business operations.