Get the financial flexibility you need for things that matter to you.

Features

• Guaranteed low interest rates
• Fast processing of loan approval
• Flexible payment terms (up to 60 months/5 years)
• Loan up to 14 months Regular Salary
  (plus Capcon Deposits and Savings with PSSLAI)
• Convenient repayments via salary deduction

Requirements

•  PNP
  • No requirements
•  BFP
  
  • Recent Duty Status
  • Certificate of Non-Pending Case
  • Two (2) valid IDs
• NAPOLCOM AND PPSC
  • Two (2) Recent Payslips
  • Certificate of Employment and Compensation
  • Certificate of Non-Pending Case

Charges

• Insurance based on Board approval
• Documentary Stamp tax: Php1.50 for every Php200 for loans above Php250,000

Cover unforeseen circumstances and unplanned expenses with an emergency cash loan.

Features

• Guaranteed low interest rates
• Same day approval and release of loan proceeds
• Flexible payment terms (up to 60 months/5 years)
• Loan up to 14 months Regular Salary
  (plus Capcon Deposits and Savings with PSSLAI)
• Convenient repayments via salary deduction

Requirements

•  PNP
  • No requirements
•  BFP
  
  • Recent Duty Status
  • Certificate of Non-Pending Case
  • Two (2) valid IDs
• NAPOLCOM AND PPSC
  • Two (2) Recent Payslips
  • Certificate of Employment and Compensation
  • Certificate of Non-Pending Case

Charges

• Insurance based on Board approval
• Documentary Stamp tax: Php1.50 for every Php200 for loans above Php250,000

Seize the chance of having immediate access to extra funds!

Features

• Guaranteed low interest rates
• Same day loan approval and release of proceeds
• Flexible payment terms (up to 60 months/5 years)
• Loan up to 14 months Regular Salary
  (plus Capcon Deposits and Savings with PSSLAI)

Requirements

•  PNP
  • No requirements
•  BFP
  
  • Recent Duty Status
  • Certificate of Non-Pending Case
  • Two (2) valid IDs
• NAPOLCOM AND PPSC
  • Two (2) Recent Payslips
  • Certificate of Employment and Compensation
  • Certificate of Non-Pending Case

Charges

• Insurance based on Board approval

Live a worry-free life by paying off your outstanding debts to other lending/ financial institutions and easily monitor and pay-off all your loans at PSSLAI! Enjoy lower rates at flexible terms!

Features

• • Guaranteed low interest rates
  • Fast processing of loan approval
  • Flexible payment terms (up to 60 months/5 years)
  • Loan up to 14 months Regular Salary (plus Capcon Deposits and Savings with PSSLAI)

Requirements

•  PNP
  
  • Outstanding Loan Balance from other lending institution/s
•  BFP
  
  • Recent Duty Status
  • Certificate of Non-Pending Case
  • Outstanding Loan Balance from other lending institution/s
  • Retiree ID
• NAPOLCOM AND PPSC
  • Two (2) Recent Payslips
  • Certificate of Employment and Compensation
  • Certificate of Non-Pending Case
  • Outstanding Loan Balance from other lending institution/s

Charges

• Insurance based on Board approval
• Documentary Stamp tax: Php1.50 for every Php200 for loans above Php250,000
• Php250 Buyout charge per Financial Institution

Stably fund your wants and needs. Be it for your house renovation, holiday vacation, education, marriage and more, we have terms that you can get behind!

Features

• Guaranteed low interest rates
• Fast processing of loan approval
• Flexible payment terms (up to 60 months/5 years)
• Convenient repayments via salary deduction
• Loan up to 14 months Regular Salary
  (plus Capcon Deposits and Savings with PSSLAI)

Requirements

•  PNP
  
  • No requirements
•  BFP
  
  • Recent Duty Status
  • Certificate of Non-Pending Case
  • Two (2) valid IDs
• NAPOLCOM AND PPSC
  • Two (2) Recent Payslips
  • Certificate of Employment and Compensation
  • Certificate of Non-Pending Case

Charges

• Insurance based on Board approval
• Documentary Stamp tax: Php1.50 for every Php200 for loans above Php250,000

Keep your account balance well above maintaining. Loan against your deposits while still earning dividends/interest with this secured loan.

Features

• Guaranteed low interest rates
• Fast processing of loan approval
• Flexible payment terms (up to 60 months/5 years)
• Loan up to 96% of account balance (not including minimum maintaining balance)

Requirements

• PSSLAI Account as collateral

Interest Rate

• Choose from our various easy modes of payment:
  • Borrow up to 96% of your deposits and savings
    • Advance Interest, Principal upon Maturity
    • Minimum Loanable Amount: Php 10,000
    • Maximum Loan Term: One (1) year, Renewable
  • Borrow up to 96% of your deposits and savings
    • Monthly Payment on Principal and Interest
    • Minimum Loanable Amount: Php 10,000
    • Maximum Loan Term: Three (3) months to Five (5) years
  • Borrow up to 80% of your deposits and savings
    • Principal and Interest upon Maturity
    • Minimum Loanable Amount: Php 10,000
    • Maximum Loan Term: One (1) year, Renewable

Charges

• Documentary Stamp tax: Php1.50 for every Php200 for loans above Php250,000

Ready to build your dreams? Whether you're building your dream business, planning to drive home that dream car or motorbike, or just want to upgrade your home, the Credit Build Loan is your ultimate ka-partner to reach your goals.

Features

• Open to all Regular (in Active Service and Pensioners) and Associate Members
• Applicable to new loan accounts
  • Salary Loan
  • Pension Loan
  • KaPartner Loan
• One-time availment only

Requirements for Active Personnel

•  PNP
  • No requirements
•  BFP
  
  • Recent Duty Status
  • Certificate of Non-Pending Case
  • Two (2) valid IDs
• NAPOLCOM AND PPSC
  • Two (2) Recent Payslips
  • Certificate of Employment and Compensation
  • Certificate of Non-Pending Case

Requirements for Pensioners

• PNP
  • Retiree: No requirement
  • Survivors and Transferees
    
    • PNP Survivor's/Transferee's ID
    • Certificate of Legal Beneficiary
    • Latest CENOMAR with 1-yr validity
    • Decree of Entitlement
• BFP
  • Retiree
    • BFP Pensioner ID
    • One (1) Valid ID
  • Survivors and Transferees
    • BFP Survivor's/Transferee's ID
    • One (1) Valid ID
    • Certificate of Legal Beneficiary
    • Latest CENOMAR with 1-yr validity
• Additional Requirements if with Buy-out
  • Outstanding Loan Balance from other Financial Institution/s

Charges

• Insurance based on Board approval
• Documentary Stamp tax: Php1.50 for every Php200 for loans above Php250,000

*Availors of this loan product are not qualified to the Cash Bonus promo or any ongoing promo during loan availment unless otherwise indicated in the campaign's terms and conditions.

A financial assistance program designed for the needs of PNP and BFP pensioners. Cover different aspects such as medical, family, travel, insurance and other financial expenses in just a single loan.

Features

• Guaranteed low interest rates
• Fast processing of loan approval
• Flexible payment terms (up to 60 months/5 years)
• Maximum loanable amount per Age Bracket:
  • 65 years old and below - up to Php 3 Million
  • 66-75 years old - up to Php 1 Million

Requirements

• PNP
  • Retiree: No requirement
  • Survivors and Transferees
    
    • PNP Survivor's/Transferee's ID
    • Certificate of Legal Beneficiary
    • Latest CENOMAR with 1-yr validity
    • Decree of Entitlement
• BFP
  • Retiree
    • BFP Pensioner ID
    • One (1) Valid ID
  • Survivors and Transferees
    • BFP Survivor's/Transferee's ID
    • One (1) Valid ID
    • Certificate of Legal Beneficiary
    • Latest CENOMAR with 1-yr validity
• Additional Requirements if with Buy-out
  • Outstanding Loan Balance from other Financial Institution/s

Charges

• Insurance based on Board approval
• Documentary Stamp tax: Php1.50 for every Php200 for loans above Php250,000
• Php 250 Buyout charge per Financial Institution

Own a pre-loved vehicle without going overboard on your budget! Get your dream car at a more affordable price.

Features

• Guaranteed low interest rates
• Fast processing of loan approval
• Flexible payment terms (up to 48 months/4 years)
• Loan the total contract price of any vehicle

Requirements

• Quotation from Car or Vehicle Dealer / Individual Seller
• Photocopy of OR/CR
• Photocopy of Deed of Sale
•  PNP
  • No requirements
•  BFP
  
  • Recent Duty Status
  • Certificate of Non-Pending Case
  • Two (2) valid IDs
• NAPOLCOM AND PPSC
  • Two (2) Recent Payslips
  • Certificate of Employment and Compensation
  • Certificate of Non-Pending Case

Maximum Loan Amount shall be based on the member’s current deposit level in the Association and appraised value of the vehicle during availment. Processing Fees of Php 2,000.00 per loan account to be deducted from loan proceeds. Expenses involving the Transfer of Ownership shall be for the account of the buyer. It shall be the full accountability of the member-borrower to determine the legitimacy of the 2nd hand vehicle purchase. Rates are subject to change without prior notice.

Subject to other Terms & Conditions

*Buy-Out from other Financial Institutions. Requirement for Buy-out: Outstanding Loan Balance from other Financial Institution/s

Easily afford that brand new motorcycle that you want, have it registered under your name, and ride it through good times.

Features

• Guaranteed low interest rates
• Fast processing of loan approval
• Low monthly amortization*
• Flexible payment terms (up to 48 months/4 years)
• Loan the total contract price of any motorcycle

Requirements

•  PNP
  • Quotation from Motorcycle Dealer
•  BFP
  
  • Quotation from Motorcycle Dealer
  • Recent Duty Status**
  • Certificate of Non-Pending Case**
  • One (1) Valid ID
• NAPOLCOM AND PPSC
  • Quotation from Motorcycle Dealer
  • Two (2) Recent Payslips**
  • Certificate of Employment and Compensation**
  • Certificate of Non-Pending Case**
• PENSIONER
  • Quotation from Motorcycle Dealer
  • Pensioner ID
  • One (1) Valid ID

Member must be assessed to have the capacity to pay using Regular Member’s Salary or must be fully secured with 100% PSSLAI deposit/investment which will be assigned to PSSLAI. Other charges: Credit Life and Motorcycle Insurance (required for loans granted on clean basis, i.e. via Salary Deduction); Php 500.00 Processing Fees regardless of loan amount or term. Pre-payment of the Motorcycle loan may be allowed, subject to a pre-payment fee. Rates are subject to change without prior notice.

*Inclusive of LTO Registration and Insurance

**Applicable for Non-Collateralized Loan

We value and appreciate the efforts and sacrifices of all our PNP and BFP members during times of crisis.

Offered to Regular and Associate members who are assigned in, with residence at or is currently residing within areas that are under the State of Calamity as declared by the National Government or Local Government Units (LGU)

Members must avail within a period of ninety (90) days from the declaration.

Eligible Loan Products

• Calamity Salary Loan
• Calamity Pension Loan
• Calamity KaPartner Loan (former Back2Back Loan)

Features

• Lowest interest rate of 7.5% per annum
• Flexible payment terms of 6, 12, 18 and 24 months
• Loan up to:
  • P300,000 (Salary/Pension Deduction)
  • P500,000 (Secured by Deposits)

Requirements

•  PNP
  • No requirements
•  BFP
  
  • Recent Duty Status
  • Certificate of Non-Pending Case
  • Two (2) valid IDs
• NAPOLCOM AND PPSC
  • Two (2) Recent Payslips
  • Certificate of Employment and Compensation
  • Certificate of Non-Pending Case