Lending Services

Financial Support When You Need It

SEMCO Lending Services provides flexible financial solutions to help members achieve their goals. Whether for business, education, or personal needs, we offer competitive rates and easy repayment terms.

Fast Approval

Secure Process

Competitive Rates

Long Term Loan

Extended financing solutions for major investments and long-term goals.

Payment Terms 1yr / 2yr / 3yrs

Interest Rates 17% / 24% / 33%

For Loan ₱200k+ (min 15 co-makers)

Requirements

2 latest payslips
Open for restructure

Short Term Loan

Quick financial solutions for immediate needs and short-term goals.

Payment Terms 3 months / 6 months

Interest Rates 25% (3mos) / 10% (6mos)

Requirements

2 latest payslips
All SEMCO Members

Appliances Loan

Finance your home appliance purchases with easy installments.

Payment Terms 3 / 6 / 12 months

Interest Rates 10% / 15% / 22%

Requirements

2 latest payslips
Not allowed for restructure

Educational Loan

Support for educational expenses for your children and dependents.

Payment Terms 6mos / 1yr / 2yrs

Interest Rates 8% / 15% / 22%

Requirements

Birth Certificate of Beneficiary
School records / Official Receipt

Emergency Loan

Quick access for urgent needs - calamities, medical, and bereavement.

Payment Terms 6 months / 1 year

Interest Rates 5% / 10%

Requirements

2 latest payslips
Proof documents required

Business Loan

Support for your business ventures and entrepreneurial activities.

Payment Terms 6 months / 1 year

Interest Rates 10% / 17%

Requirements

Business Permit/License
Business Value: over ₱10,000

Ready to Apply for a Loan?

Visit our office or contact us for more information about our lending services.