What we Offer?
Are you looking to take a loan may it be for housing, vehicle or for your business? or just looking for a quick cash for emergency needs. KooPinoy will have you covered. We have a wide range of bespoke for loans. New or not, we hope to meet our members needs with optimal services and get the job their need doing done, quickly, easily, safely and privately. In KooPinoy, when you borrow, you'll get a portion of what you've paid. Want to know how? Feel free to find us on Facebook and browse some of our many several hundred reviews, or contact us to discuss our loan plans.
KooPinoy Loan Name
MULTIPURPOSE LOAN
**Interest rate of 24% per annum
**Maximum loanable of Php30,000.00
**Ten (10) months amortization
**Service fee 2%
**For regular members only
MEMORIAL LOT LOAN
**Minimum term: One (1) year
**Maximum term: Five (5) years
**Interest rate: 12% per annum; Penalties: 12% per annum
**Loanable amount depending on the price of lot
STL-CASH LOAN
**Interest rate: 14%; penalties: 12% per annum
**Eight (8) and Sixteen (16) months lump sum
MTL-CASH LOAN
**Interest rate: 14%; penalties: 18% per annum
**Every six (6) months installment
**Term two (2) years
LTL-CASH LOAN
**Interest rate: 15%; penalties: 18% per annum
**Monthly amortizations
**Maximum Loanable: Php5,000,000.00
**Up to Five (5) years
VEHICLE LOAN - CAR
**Interest: 13% per annum
**Penalty: 24% per annum
**Terms up to Five (5) years
**Brand New or second hand unit
**Maximum Loanable: Php5,000,000.00
BUSINESS LOAN
**Seven (7) years term
**Interest rate: 11% per annum
**Maximum Loanable: Php20,000,000.00
**Service Charge:1%
**Penalties: 24% per annum
HOUSING LOAN
**For new construction or renovation of house
**Interest rate: 10% per annum
**Penalty: 24% per annum
**Terms up to Twenty (20) years
**Maximum Loanable amount: Php10,000,000.00
**House renovation: One (2) Million
MOTORCYCLE / TRICYCLE LOAN
**For Regular and Associate member
**Terms up to 3 years term
**Interest rate: 14% per annum
**Penalty: 24% per annum
**Maximum Loanable: Motorcycle: Php120,000.00 Tricycle: Php120,000.00
APPLIANCE LOAN
**At Least one (1) year member of the cooperative
**Regular and Associate members
**For brand new appliance only
**Maximum Loanable: Php30,000.00
**Interest rate: 14% per annum
**Penalty: 14% per annum
**Term: Warranty of the Appliance maximum of 1.5 years
MICRO & SMALL ENTERPRISE LOAN
**Minimum Loanable: Php10,000.00, Term: 6 months
**Maximum Loanable: Php300,000.00, Term: 36 months
**Interest: 24% per annum; Service Fee of 2.5%
**Notarial and Filing Fee; Penalties: 2% per month
AGRICULTURAL PRODUCTION LOAN
**Open to small farmers or fisherfolks who are regular or associate members in good standing engaged in livestock/crop production.
**Livestock inputs: feeds only
**Crop production: organic and inorganic fertilizers, pesticides, herbicides, seeds.
SIDC EXPANDED CREDIT LINE (ECL - FEEDS)
Hog Fattening
**Loan in the form of feeds
**Term: Five (5) months
**Credit of P6,000.00 per piglet/fattener
**Maximum: P5,000,000.00
**Interest rate: 15% per annum; Penalties: 24% per annum
Hog Breeding
**Loan in the form of feeds
**Term: Seven (7) months
**Credit of P10,000.00 per sow/breeder
**Maximum: P5,000,000.00
**Interest rate: 15% per annum; Penalties: 24% per annum
Broiler
**Loan in the form of feeds
**Term: Two (2) months
**Credit of P10,000.00 per 100 heads of broiler
**Interest rate: 15% per annum; Penalties: 24% per annum
Duck Layer
**Loan in the form of feeds
**Term: Two (2) months
**Credit of P16,000.00 per 100 heads of duck layer
**Interest rate: 15% per annum; Penalties: 24% per annum
AGRIFARM EQUIPMENT LOAN
**One (1) year up to Three (3) years
**Maximum Loanable: Php1,500,000.00
**Interest rate: 14% per annum
**Penalties: 24% per annum
Loyalty Reward Program
Gold Category
*2% interest discount applies to all loan products except: Agricultural Production Loan and Emergency Loan
*1% discount on service charge
*Loanable amount up to 80% of the fair market value of the real estate property collateral - with Tax Declaration Only (60%) or Titled Property (80%)
*Loanable amount up to 90% of savings and time deposit collateral with no Negative CIBI findings
*No Barangay Clearance required
Bronze Category
*Regular rates and charges apply.
Silver Category
*1% interest discount applies to all loan products except: Agricultural Production Loan and Emergency Loan
*No co-maker needed for collateralized loan
*Emergency loan up to Php80,000.00 (1 day processing and no co-maker required)
*Loanable amount up to 80% of savings and time deposit collateral
*No barangay clearance required
STUDY NOW, PAY LATER
*Open to Regular Members or his/her children and siblings who wants to enter to College or Post Graduate Courses.
*With real estate collateral required.
*Tuition fee and monthly allowances can be loan in this program.
*The payment term will start one year after graduation.
Koopinoy Loan Calculator
Use the loan repayment calculator below to get an estimate of your monthly installments, total interest cost and total loan cost. To calculate, simply input the loan amount, loan term and the annual interest of the bank / lender you plan to get a loan from.
**Patronage Refund is not included in KooPinoy Calculator computation.
Sample Computation of Patronage Refund.
**Assumptions: The average patronage refund rate is 20% for 5 years.
Cash Loan Applied: 100,000, Loan Interest Payment: 8,309.97
(Total Interest Payment X 20% = Patronage Refund)
Php 8,309.97 x 20% = 1,661.99
Patronage Refund = 1,661.99
