SALARY Loan
Exclusively for Armed Forced of the Philippines (AFP) and Philippine National Police (PNP) Active Duty Uniformed Personnel and Civilian Employees
Empower Your Dreams with Our Salary Loan Options
Our salary loans are designed with you in mind—offering competitive rates to fit your budget, straightforward application processes for easy access, and quick approvals so you can address urgent needs without delay. Whether it’s for personal growth, unexpected expenses, or reaching new milestones, we’re here to provide reliable financial support when it matters most.
PROMO
- Simple Interest Rate: 6.63% - 7.03%
- Effective Interest Rate: 12.95% - 13.89%
- Loan Limit: ₱1,000,000.00
- Terms: 12, 18, 24, 36, 48 & 60 Months
- Model of Payment: Payroll Deduction
- Availment: First Loan of New Members
- Renewal: One-Time Renewal
- Free Membership
- Cashback Incentive up to ₱15,000
- Eligible for Ka-Tropa Referral Incentives
CHARGES
- Documentary Stamp Tax: ₱1.50 per ₱200 for loan amount exceeding ₱250,000
- Credit Redemption Insurance: ₱0.57 per ₱1,000
ECONO
- Simple Interest Rate: 6.62% - 8.24%
- Effective Interest Rate: 12.28% - 16.35%
- Loan Limit: ₱650,000.00
- Terms: 12, 18, 24, 36, 48 & 60 Months
- Model of Payment: Payroll Deduction
- Availment: Second Loan; 1 Per Member
- Renewal: Renewable
- Retention Incentive up to ₱3,500
- Eligible for Ka-Tropa Referral Incentives
CHARGES
- Documentary Stamp Tax: ₱1.50 per ₱200 for loan amount exceeding ₱250,000
- Credit Redemption Insurance: 1.10%
MULTI-PURPOSE
- Simple Interest Rate: 6.62% - 8.26%
- Effective Interest Rate: 12.28% - 16.35%
- Loan Limit: ₱650,000.00
- Terms: 12, 18, 24, 36, 48 & 60 Months
- Model of Payment: Payroll Deduction
- Availment: Up to five availments
- Renewal: Renewable
- Retention Incentive up to ₱3,500
- Eligible for Ka-Tropa Referral Incentives
CHARGES
- Documentary Stamp Tax: ₱1.50 per ₱200 for loan amount exceeding ₱250,000
- Credit Redemption Insurance: 1.30%
Requirements
- Latest Military ID
- Valid government issued ID or AMWSLAI ID
- Original and Latest Payslip
- Re-enlistment Order
- Certificate of Re-enlistment (to be required if the Re-enlistment Order is less than six (6) months)
- Provost Marshal Clearance or Certificate of Non-Pending Case
- Certificate of Singleness or Spouse Letter of Consent and ID
Additional requirements for Buyout:
- Certificate of Loan Balance or Latest Loan Balance Verification Slip
- Official Receipt (must be marked “fully paid”) or Certificate of Full Payment
- Latest Military ID
- Valid government issued ID or AMWSLAI ID
- Original and Latest Payslip
- Re-enlistment Order
- Certificate of Re-enlistment (to be required if the Re-enlistment Order is less than six (6) months)
- Certificate of Non-Pending Case
Additional requirements for Buyout:
- Certificate of Loan Balance or Latest Loan Balance Verification Slip
- Official Receipt (must be marked “fully paid”) or Certificate of Full Payment
- Latest Military ID
- Valid government issued ID or AMWSLAI ID
- Original and Latest Payslip
- Re-enlistment Order (For New Member Only)
- Certificate of Re-enlistment (to be required if the Re-enlistment Order is less than six (6) months)
- Discipline Law Order/Unified Clearance
Additional requirements for Buyout:
- Certificate of Loan Balance or Latest Loan Balance Verification Slip
- Official Receipt (must be marked “fully paid”) or Certificate of Full Payment
- Latest PNP ID
- Valid government issued ID or AMWSLAI ID
- Order of Appointment (for new member only)
- Attested Permanent Appointment Order (PO1)
- Absorption or Permanent Appointment Order (rank higher than PO1)
- Certificate of Non-pending case
Additional requirements for Buyout:
- Certificate of Loan Balance or Latest Loan Balance Verification Slip
- Official Receipt (must be marked “fully paid”) or Certificate of Full Payment
- Latest AFP Civilian Employee ID
- Valid government issued ID or AMWSLAI ID
- Original and Latest Payslip
- For All Branch of Service except PA Civilian: 1 Payslip
- For PA Civilian: 1 Latest Payslip for Renewal Same Deduction, 3 Latest Payslips for new, additional or increase deduction
- Appointment Order
- Provost Marshall Clearance or Cert of Non-pending case or Discipline Law Order
- Certification of Active Loan Validation Monitoring System (ALVAMS)
Additional requirements for Buy-out:
- Certificate of Loan Balance / Latest Loan Balance Verification Slip
- Official Receipt (must be marked “fully paid”) or Certificate of Full Payment
