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

ECL-EMERGENCY LOAN

**interest rate of 15% per annum

**maximum loanable of Php30,000.00

**for self-employed SIDC Members

**maximum term of 10 months

**for regular members only

**One (1) co-maker; SIDC Associate or Regular Member

MEMBER'S EASY EMERGENCY LOAN (MEEL)

**Interest rate: 12%; Penalties: 12%

**maximum loanable of Php30,000.00

**for regular employee of both public and private companies.

**maximum term of 12 months

**for regular members only

**One (1) co-maker; SIDC Associate or Regular Member

MEMORIAL LOAN

**Easy 12 to 60 equal monthly installments

**Interest rate: 12% per annum; Penalties: 12% per annum

**Loanable amount depending on the price of lot

LTL-CASH LOAN

**Interest rate: 15%; penalties: 18% per annum

**Monthly amortization

**Maximum Loanable: Php5,000,000.00

VEHICLE LOAN

**Interest 13% per annum

**Easy 12 to 60 equal monthly installments

**Brand New or second hand unit

**Maximum Loanable: Php5,000,000.00

**One (1) co-maker; SIDC Associate or Regular Member

**Equity: 10% to 50% of the unit price/ appraised fair market value.

SPECIAL LOAN

**Seven (7) years term

**Interest rate: 11% per annum

**Maximum Loanable: Php15,000,000.00

**Service Charge:1%

**Penalties: 2% per month or 24% per annum

SIDC COOP PABAHAY

**Interest rate: 12% per annum Penalties: 6% per annum

**For new construction/renovation of house/ purchase of housing lot

**Payment terms: Equal monthly amortizations to choose from 5, 10, 15, 20 years

**Maximum Loanable amount: Php5,000,000.00

MOTORCYCLE / TRICYCLE LOAN

**Brand New Units only

**Interest rate: 14% per annum Penalties: 24% per annum

**Up to 3 years term

**Maximum Loanable: Motorcycle: Php90,000.00 Tricycle: Php120,000.00

**One (1) co-maker; SIDC Associate or Regular Member

**Equity: 10% to 50% of the unit price

APPLIANCE LOAN

**Brand new appliance; Maximum Loanable: Php30,000.00

**Interest rate: 14% per annum

**Equity: 15%; Term: Warranty of the Appliance

MICRO & SMALL ENTERPRISE LOAN

**Capital for Business Expansion

**maximum loanable of Php300,000.00

**Minimum Loanable: Php10,000.00, Term: 6 months

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 and piglets or feeds only

**Crop production: organuc and inorganic fertilizers, pesticides, herbicides, seeds Applicable interest rates, service fees, and mark-ups apply

SIDC EXPANDED CREDIT LINE (ECL)

**Hog Fattening Project

**Hog Breeding Project

**ECL Feeds Broiler

**ECL Feeds for Duck Layer

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.

KOOPINOY FEATURES

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.

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MONTHLY PAYMENT

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TOTAL INTEREST PAYMENT

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TOTAL AMOUNT REPAYABLE

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**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

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