Saint Bernard Multi-Purpose Cooperative

Loan Options

SMILE Loan Products

Choose from our diverse range of financing solutions designed to help your business grow and prosper.

Business Loan

Amount: ₱10,000 - ₱100,000

Term: Maximum 1 Year

Rate: 2% per Month (Diminishing Balance)

Payment: Monthly

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Agricultural Loan

Amount: ₱10,000 - ₱100,000

Term: Maximum 1 Year

Rate: 2% per Month (Diminishing Balance)

Payment: Monthly

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Motorcycle Loan

Amount: Up to ₱100,000

Term: Up to 3 Years

Rate: 1.5% per Month (Diminishing Balance)

Payment: Monthly

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Car Loan

Amount: Based on Appraisal

Term: Up to 5 Years

Rate: 1.5% per Month (Diminishing Balance)

Payment: Monthly

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Property Loan

Amount: Based on Collateral Value

Term: Flexible Terms

Rate: Competitive Rates

Payment: Monthly

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Housing Loan

Amount: Based on Property Value

Term: Up to 15 Years

Rate: Competitive Rates

Payment: Monthly

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Loan Amount

Php 10,000.00 up to Php 100, 000.00

Term

Maximum of 1 Year

Interest Rate

2% per Month (based on Diminishing Bal.)

Payment Mode

Monthly

Requirements

Tax Identification Number (TIN)
Barangay Clearance

Loan Amount

Php 10,000.00 up to Php 100, 000.00

Term

Maximum of 1 Year

Interest Rate

2% per Month (based on Diminishing Bal.)

Payment Mode

Monthly/ Quarterly

Requirements

Tax Identification Number (TIN)
Barangay Clearance

Loan Amount

Php 50,000.00 up to Php 100,000.00

Term

Maximum of 3 Years

Interest Rate

2% per Month (based on Diminishing Bal.)

Payment Mode

Monthly (based on Annuity Amortization)

Requirements

Tax Identification Number (TIN)
Barangay Clearance
Duplicate Key and Original O.R/C.R

Loan Amount

Php 500,000.00 up to Php 2,000,000.00

Term

Maximum of 5 Years

Interest Rate

1% per Month (based on Diminishing Bal.)

Payment Mode

Monthly (based on Annuity Amortization)

Requirements

At least Php 200,000.00 worth of Share Capital
Tax Identification Number (TIN)
Barangay Clearance
Tax Declaration; Transfer Certificate of Title; Original Certificate of Title
Duplicate Key and Original O.R/C.R

Loan Amount

Maximum of Php 2,000,000.00

Term

Maximum of 5 Years

Interest Rate

2% per Month (based on Diminishing Bal.) for a member who has Share Capital of below Php 200,000.00
1% per Month (based on Diminishing Bal.) for a member who has Share Capital of Php 200,000.00 and above.

Payment Mode

Monthly (based on Annuity Amortization)

Requirements

Tax Identification Number (TIN)
Barangay Clearance
Tax Declaration; Transfer Certificate of Title; Original Certificate of Title

Loan Amount

Maximum of Php 2,000,000.00

Term

Maximum of 5 Years

Interest Rate

2% per Month (based on Diminishing Bal.)

Payment Mode

Monthly (based on Annuity Amortization)

Requirements

At least Php 200,000.00 worth of Share Capital
Tax Identification Number (TIN)
Barangay Clearance
Tax Declaration; Transfer Certificate of Title; Original Certificate of Title

Small and Medium Investor Loan

SMILE Loan Products

Business Loan

Agricultural Loan

Motorcycle Loan

Car Loan

Property Loan

Housing Loan

Ready to Grow Your Business?

Loan Amount

Php 10,000.00 up to Php 100, 000.00

Term

Maximum of 1 Year

Interest Rate

2% per Month (based on Diminishing Bal.)

Payment Mode

Monthly

Requirements

Tax Identification Number (TIN)Barangay Clearance

Loan Amount

Php 10,000.00 up to Php 100, 000.00

Term

Maximum of 1 Year

Interest Rate

2% per Month (based on Diminishing Bal.)

Payment Mode

Monthly/ Quarterly

Requirements

Tax Identification Number (TIN)Barangay Clearance

Loan Amount

Php 50,000.00 up to Php 100,000.00

Term

Maximum of 3 Years

Interest Rate

2% per Month (based on Diminishing Bal.)

Payment Mode

Monthly (based on Annuity Amortization)

Requirements

Tax Identification Number (TIN)Barangay ClearanceDuplicate Key and Original O.R/C.R

Loan Amount

Php 500,000.00 up to Php 2,000,000.00

Term

Maximum of 5 Years

Interest Rate

1% per Month (based on Diminishing Bal.)

Payment Mode

Monthly (based on Annuity Amortization)

Requirements

At least Php 200,000.00 worth of Share CapitalTax Identification Number (TIN)Barangay ClearanceTax Declaration; Transfer Certificate of Title; Original Certificate of TitleDuplicate Key and Original O.R/C.R

Loan Amount

Maximum of Php 2,000,000.00

Term

Maximum of 5 Years

Interest Rate

2% per Month (based on Diminishing Bal.) for a member who has Share Capital of below Php 200,000.001% per Month (based on Diminishing Bal.) for a member who has Share Capital of Php 200,000.00 and above.

Payment Mode

Monthly (based on Annuity Amortization)

Requirements

Tax Identification Number (TIN)Barangay ClearanceTax Declaration; Transfer Certificate of Title; Original Certificate of Title

Loan Amount

Maximum of Php 2,000,000.00

Term

Maximum of 5 Years

Interest Rate

2% per Month (based on Diminishing Bal.)

Payment Mode

Monthly (based on Annuity Amortization)

Requirements

At least Php 200,000.00 worth of Share CapitalTax Identification Number (TIN)Barangay ClearanceTax Declaration; Transfer Certificate of Title; Original Certificate of Title

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Tax Identification Number (TIN)
Barangay Clearance

Tax Identification Number (TIN)
Barangay Clearance

Tax Identification Number (TIN)
Barangay Clearance
Duplicate Key and Original O.R/C.R

At least Php 200,000.00 worth of Share Capital
Tax Identification Number (TIN)
Barangay Clearance
Tax Declaration; Transfer Certificate of Title; Original Certificate of Title
Duplicate Key and Original O.R/C.R

2% per Month (based on Diminishing Bal.) for a member who has Share Capital of below Php 200,000.00
1% per Month (based on Diminishing Bal.) for a member who has Share Capital of Php 200,000.00 and above.

Tax Identification Number (TIN)
Barangay Clearance
Tax Declaration; Transfer Certificate of Title; Original Certificate of Title

At least Php 200,000.00 worth of Share Capital
Tax Identification Number (TIN)
Barangay Clearance
Tax Declaration; Transfer Certificate of Title; Original Certificate of Title