🌊 Set Sail Toward Financial Freedom. ⚓💸

Whether you’re a modern-day hero working overseas or the loved one holding the fort at home, this loan is specially crafted for Seafarers and their families – because your sacrifices deserve financial ease and security. This is a flexible, all-purpose loan designed to meet the personal and family needs of Overseas Contract Workers – especially Seafarers – and their recipients of monthly allotments.

Key Features:

• Purpose: For personal expenses, emergencies, productive needs, and redeeming high-interest loans from other lenders.
• Loanable Amount: Up to ₱150,000.
• Who Can Avail:
  • Active Seafarers with a valid employment contract, or spouse/parents receiving a monthly allotment of at least ₱10,000.
  • Allotment should be through an ATM issued by an accredited agency bank.
• Collateral: None! All you need is a notarized Deed of Assignment for your ATM.
• Excess Funds: Credited to your savings or share capital.

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

🏍️ Vroom Into Freedom!

Dreaming of owning a brand-new motorcycle? Whether it’s for convenience, adventure, or daily errands, OIC has your back with a loan product that puts you on the road – fast and hassle-free! This loan is designed specifically to help you finance your brand-new motorcycle for personal needs.

Key Features:

• Purpose: For personal needs, such as convenience, adventure, or daily errands.
• Loanable Amount: Up to ₱200,000.
• Who Qualifies: An OIC member-borrower with good standing and financially capable to meet monthly payments.
• Collateral: The motorcycle itself (mortgaged under OIC).

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

🎯 Funds for a hardworking employee in the private or government sector.

Need Extra Cash? We’ve Got You Covered – The OIC Salary Loan Regular is Here! If you need funds for personal use, emergencies, or everyday needs – OIC’s Salary Loan Regular is your reliable financial partner. This loan product is for employees in the private or government sector, whether permanent, regular, or contractual.

Key Features:

• Purpose: Personal use, emergencies, or everyday needs.
• Loanable Amount:
  • Regular or Permanent Employees: Up to ₱150,000.
  • Contractual or Casual Employees: Up to ₱20,000.

• Eligibility:
  • Employed (permanent/regular OR contractual/casual) in a private company or government agency for at least 1 year.
  • Paid via ATM through an accredited bank.
  • Receiving at least ₱4,000 net take-home pay (for government) or 20% of monthly basic salary (for private).
  • Not retiring during the loan term.

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

Exclusively for Our DepEd and GAA-Paid Heroes!

Bigger Loan, Longer Terms. Are you working in the Department of Education or a government agency with salary covered by the General Appropriations Act (G.A.A.)? Then this loan is for YOU! This loan is built specifically to support the personal financial needs of government employees, particularly those in DepEd or GAA-paid government agencies.

Key Features:

• Purpose: Emergencies, home improvements, or family’s day-to-day needs.
• Loanable Amount: Up to ₱250,000. Available for both first-time borrowers and renewals.
• Who Can Avail:
  • Working in DepEd or a GAA-paid government agency.
  • Nationally paid.
  • 59 years old or younger.
  • On regular/permanent employment status.
  • Can present a Certificate of Appointment or Service Record.
  • Salary is paid via ATM through DBP or Landbank.
  • Received at least 3 months’ worth of salary through your ATM.

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

Invest in Your Future. Invest in Your Education. 📚🎓

Dreaming of higher education or needing a boost for school expenses? Our EduKoop Loan is designed to provide accessible and affordable financial assistance for OIC members and their dependents. This loan provides accessible and affordable financial assistance for OIC members and their dependents for educational purposes.

Key Features:

• Purpose: Tuition & Fees (enrollment, miscellaneous, and other school-related costs), School Projects & Materials, Gadgets for online learning or academic productivity.
• Loanable Amount: Up to ₱300,000.00.
• Eligibility: Member or a dependent, enrolled or accepted in a recognized educational institution.

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

✈️ Travel the World, the OIC Way. 🌍

TARA, BIYAHE NA! Dreaming of that much-needed break? Whether it’s a beach escape, a family vacay, or your first trip abroad – OIC’s Tara, Biyahe Loan is here to help you pack your bags and GO! This special loan is designed for OIC members who want to travel for leisure, personal growth, or family bonding.

Key Features:

• Purpose: For personal travel or vacations – local or international, encouraging wellness, learning, and quality time with loved ones.
• Loanable Amount: Up to ₱100,000.
• Eligibility: OIC member, 18 years old and above, with valid income source (employed, self-employed, or business owner).
• Requirements: Submit travel itinerary or trip plan.
• Benefits: Supports mental health, happiness, and dreams, allowing travel without financial worry.

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