Flexible Loan Options for Every Member
Choose the loan that fits your goals and check the documents needed for your loan type. Complete requirements mean faster, smoother approval.
Snapshot
Loan Types at a Glance
Petty Cash Loan
Up to 3 months
Hospital Emergency Loan
Up to 5 years
Secured Loan
Up to 8 years
Socialized Multi-Purpose Loan
Up to 24 months
Loan Options
Choose the loan that fits your need.
From income-bridging loans to short-term petty cash facilities, Fairchild Cooperative offers products matched to our members' situations.
Petty Cash Loan
Short-term loan facility for small, urgent cash needs of qualified members.
- Fixed 5% per month (2% service fee + 3% interest).
- Short term of up to 3 months.
- ₱300 membership fee plus ₱500 share capital deposit.
Hospital Emergency Loan
Assists members with hospitalization expenses, disbursed directly to the hospital.
- Proceeds are paid directly to the hospital, not the member.
- Based on the member's final hospital billing statement.
- Payment term of up to 60 months (5 years).
Secured Loan
A collateralized loan product designed for larger, longer-term financing needs.
- Up to ₱1,000,000 maximum loanable amount.
- Collateralized by real estate property.
- 5–8 years to pay, with 2–3 weeks processing leadtime.
Socialized Multi-Purpose Loan
A flexible multi-purpose loan sized to your fixed deposit, basic pay, and years of service.
- Loanable amount based on fixed deposit, basic pay & years of service.
- Payment term of up to 24 months.
- 2% service charge, or a flat ₱2,000 if the loan exceeds ₱100,000.
Requirements
Loan checklist by loan type.
Check the documents you need based on your loan type. Bringing complete requirements helps us process your application faster.
Petty Cash Loan
All Eligible Members- Membership form
- Petty cash loan application form
- 1 valid government-issued ID
- Proof of active membership in good standing
Hospital Emergency Loan
Hospitalized Member / Dependent- Loan application form
- Final hospital billing statement
- 1 valid government-issued ID
- Proof of relationship, if applying on behalf of a dependent
Secured Loan
Property Owner- Loan application form
- Transfer Certificate of Title (TCT) or tax declaration
- Updated real property tax receipt
- 2 valid government-issued IDs
Socialized Multi-Purpose Loan
Regular Member- Loan application form
- Latest payslip(s) or proof of basic pay
- Proof of fixed deposit or years of service
- 1 valid government-issued ID
Requirements shown are general guidelines. Exact documents may vary per branch and case — please confirm the complete checklist with your branch before applying.