Our Services

PMPC offers a variety of loan products designed to meet the financial needs of our members.

Loan Calculator

Estimate your monthly or weekly payments, fees, and total cost before applying.

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Regular Loan

1%/mo

Personal finance loan secured against your share capital. Quick processing, low rates.

For: All regular members in good standing

✓1% monthly interest (up to share capital amount)
✓Up to ₱100,000 loanable
✓Secured by your share capital

2 required documents

Special/Salary Loan

1.8%/mo

Salary-based loan for salaried members and Barangay officials. Secured by co-makers.

For: Salaried members, Sangguniang Barangay, Barangay officials

✓1.8% monthly interest
✓Salary/honorarium-based loan amount
✓Term aligned with remaining term of office

3 required documents

Microfinance

1.8%/mo

Small unsecured loans with progressive limits. Weekly payments, barangay-based collection.

For: All regular members

✓1.8% monthly interest
✓No collateral required
✓Progressive limits: ₱5K → ₱10K → ₱15K → ₱20K → ₱50K → ₱100K

2 required documents

Agricultural Loan

1.8%/mo

Working capital for agricultural business expansion. Up to 200% of share capital.

For: Members with agricultural business or income source

✓Up to 200% of share capital
✓1.8% monthly penalty rate
✓Lump sum release

3 required documents

Rediscounting Loan

22%/yr

Secured loan with declining interest rates for repeat borrowers. Real estate collateral required.

For: Members with real estate collateral

✓Declining rates: 22% → 18% → 15% per annum
✓Up to 3-year term
✓Real estate secured (Certificate of Title)

6 required documents

Long-Term Loan

22%/yr

Extended repayment period up to 5 years with real estate collateral. Declining interest.

For: Members with real estate collateral needing longer terms

✓Up to 5-year term
✓Declining rates: 22% → 18% → 15% per annum
✓Real estate secured (Title mortgaged)

7 required documents

Housing Loan

15%/yr

Home construction and improvement loan. Up to 10-year term with staggered release.

For: Members planning home construction or improvement

✓15% per annum interest
✓Up to 10-year term
✓Staggered release (3 tranches)

7 required documents

Motorcycle Loan

19%/yr

Finance your motorcycle purchase. ₱50K–₱200K with the motorcycle as collateral.

For: Members with good credit history needing transportation

✓19% per annum interest
✓₱50,000–₱200,000 loanable
✓1–3 year term

8 required documents

Employees Loan

8%/yr

Exclusive loan for PMPC permanent employees. Low 8% annual rate with payroll deduction.

For: PMPC permanent employees only

✓8% per annum (annuity computation)
✓Up to 60% of total salary for 3 years
✓Automatic payroll deduction

3 required documents

ANYO (ACPC) Agricultural Program

0% interest

Government-funded 0% interest loan for agri-fishery sector via ACPC program.

For: Members and non-members registered in RSBSA (agri-fishery sector)

✓0% interest (government-funded)
✓₱25,000–₱1,000,000 loanable
✓Up to 5-year term

5 required documents

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