Promo Mechanics:

1. Promo will run from February 2 to 27, 2026.
2. Members who avail any of the following loan products during the promo period, shall enjoy a one (1) month moratorium on their first loan amortization: 
   1. Salary Loan – 5.5
   2. Salary Loan – Credit Build
   3. Salary Loan – Calamity
   4. Salary Loan – Regular (Excess Salary Loan)
   5. Salary Loan – Regular (Multi-purpose Loan)
   6. Pension Loan – 5.5
   7. Pension Loan – Credit Build
   8. Pension Loan – Calamity
   9. Pension Loan – Regular (Excess Pension Loan)
   10. Pension Loan – Regular (Multi-purpose Loan)
3. Pre-payment of existing loans to avail of any of the above products to enjoy a one-month moratorium is NOT allowed. Eligible loan applications booked and approved during the promo period shall be entitled to a one (1) month loan moratorium.
4. First collection of their monthly loan amortization shall be moved one (1) or two (2) months later, depending on the billing cut-off date. These shall also be manually reflected on member’s loan documents (Promissory Note, Loan Voucher, and Authority to Deduct). Loan maturity date shall also be moved one to two months later. 
5. Member may avail of the Loan Now, Pay Later promo up to two (2) loans / loan accounts qualified in this promo and within the promo period, provided that they are still eligible for another salary-deducted loan or pension-deducted loan.