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Loan products

All loan products & requirements

Compare terms, check what you’ll need, then apply online in minutes.

Mortgage Loan

Real Estate Mortgage Loan

Terms3 months to 3 years

Unlock your dream home with J.C.T EZ Loan, your key to land title financing.

Available to Metro Manila, Rizal, Bulacan, Pampanga, Cavite and Laguna residents only.

Requirements

Initial Requirements

  • Copy of Original Title
  • Proof of Income
  • Latest Tax Declaration
  • Picture of Property

Additional Requirements

  • Certificate True Copy of Transfer
  • Updated Real Estate Tax Receipt
  • Tax Clearance
  • Vicinity Map
  • 1 Primary Valid ID
  • 2 Secondary Valid ID's
  • Proof of Billing
  • Birth Certificate (If Single)
  • Marriage Certificate (If Married)

Vehicle Mortgage Loan

Terms3 to 18 months

Transform aspirations into actuality: drive your dream car with our tailored car loans.

Please note that our Car Sangla program is exclusively available to residents of Metro Manila, Rizal, and Bulacan. Don't let financial constraints hold you back. Drive through your financial struggles with J.C.T EZ Loan Corporation.

Requirements

Initial Requirements

  • Copy of Original Certificate Registration
  • Copy of Official Receipt Registration From LTO
  • Picture of Motor Vehicle
  • Proof of Income

Additional Requirements

  • Comprehensive Insurance Policy
  • Stencil (2 Copies)
  • 1 Primary Valid ID
  • 2 Secondary Valid ID's
  • Birth Certificate (If Single)
  • Marriage Certificate (If Married)

Salary Loan

Personal Loan

Terms3 to 6 months

Accelerate your financial goals with our Personal Loan, the fast track to financial freedom.

Requirements

Qualification

  • 21-60 years old
  • Filipino Citizen
  • Must be working for at least 2 years with current employer/company
  • Must be 2 years residing with current address (if renting)
  • Must have a salary ATM Payroll Card

Basic Requirements

  • Birth Certificate (If Single)
  • Marriage Certificate (If Married)
  • Latest Proof of billing (Electricity / Water Bill)
  • 2x2 ID Picture

For Collateral Salary Loan

  • Real Estate - Copy of Land Title
  • Car Loan - Copy of Original Car/Motor OR/CR

Gadget Loan

Terms3 to 6 months

Accelerate your tech access with our Gadget Loan, the fast track to the latest innovations.

Requirements

Qualification

  • 21-60 years old
  • Filipino Citizen
  • Must be working for at least 2 years with current employer/company
  • Must be 2 years residing with current address (if renting)
  • Must have a salary ATM Payroll Card

Basic Requirements

  • Birth Certificate (If Single)
  • Marriage Certificate (If Married)
  • Latest Proof of billing (Electricity / Water Bill)
  • 2x2 ID Picture

For Collateral Salary Loan

  • Real Estate - Copy of Land Title
  • Car Loan - Copy of Original Car/Motor OR/CR

Motorcycle Loan

Terms3 to 6 months

Get your dream ride today with our flexible and affordable motorcycle loans!

Requirements

Qualification

  • 21-60 years old
  • Filipino Citizen
  • Must be working for at least 2 years with current employer/company
  • Must be 2 years residing with current address (if renting)
  • Must have a salary ATM Payroll Card

Basic Requirements

  • Birth Certificate (If Single)
  • Marriage Certificate (If Married)
  • Latest Proof of billing (Electricity / Water Bill)
  • 2x2 ID Picture

For Collateral Salary Loan

  • Real Estate - Copy of Land Title
  • Car Loan - Copy of Original Car/Motor OR/CR

Migrant Loan

Terms3 to 6 months

Accelerate your financial goals with our Migrant Loan, the fast track to financial freedom.

Requirements

Qualification

  • 21-60 years old
  • Filipino Citizen
  • Must be working for at least 2 years with current employer/company
  • Must be 2 years residing with current address (if renting)
  • Must have a salary ATM Payroll Card

Basic Requirements

  • Birth Certificate (If Single)
  • Marriage Certificate (If Married)
  • Latest Proof of billing (Electricity / Water Bill)
  • 2x2 ID Picture

For Land Based Overseas Filipino Workers

  • Latest POEA Validated Standard Contract
  • Overseas Employment Certificate
  • PDOS
  • Flight Details
  • Passport and Visa

For Sea Based Overseas Filipino Workers

  • Latest POEA Validated Standard Contract
  • Seafarer Registration Certificate
  • Seaman's Book
  • Allotment Certificate
  • Flight Details

For Collateral Salary Loan

  • Real Estate - Copy of Land Title
  • Car Loan - Copy of Original Car/Motor OR/CR

Business Loan

SME Non-Collateral Loan

Terms3 to 6 months

Unlock growth potential with our tailored business loan solutions powering your ventures forward

Requirements

Initial Requirements

  • Copy of Latest Business Permits or Mayor's Permit

If Sole Proprietor

  • DTI Permit

If Partnership

  • Articles of Partnership

For Corporation

  • SEC Registration with Articles of Incorporation and By-Laws
  • General Information Sheet
  • Picture Of Business or Inventory

For Collateral Business Loan

  • Real Estate - Copy of Land Title
  • Car Loan - Copy of Original Car/Motor OR/CR

Additional Requirements

  • Latest 3 Months Bank Statement of Checking Account
  • 1 Primary Valid ID
  • 2 Secondary Valid ID's
  • Proof of Billing
  • Birth Certificate (If Single)
  • Marriage Certificate (If Married)
  • Latest 2 Months Credit Card Statement (If With Credit Card)

Professional Loan

Terms3 to 6 months

Secure your business's growth with our competitive Professional Loan solutions tailored to meet your financial needs.

Requirements

Qualifications

  • 21-60 years of age
  • Filipino Citizen
  • With (PRC) Professional Regulation Commission ID

Basic Requirements

  • 1 Primary Valid ID
  • 2 Secondary Valid ID's
  • Birth Certificate (If Married)
  • Latest Proof of billing (Electricity / Water Bill)
  • Latest 2 Months Credit Card Statement (If with CC)
  • 2x2 ID Picture

Retirement Loan

Pension Loan

Terms3 to 6 months

Secure your future with our Pension Loan, designed to provide financial stability when you need it most.

Requirements

Basic Requirements

  • 1 Primary Valid ID
  • 2 Secondary Valid ID's
  • Latest Proof of billing (Electricity / Water bill)
  • 2x2 ID Picture

Corporate Loan

Company Services

Terms3 to 6 months

Secure your business's future with our competitive corporate loans tailored to meet your financial needs.

Requirements

Basic Requirements

  • 1 Primary Valid ID
  • 2 Secondary Valid ID's
  • Latest Proof of billing (Electricity / Water Bill)
  • 2x2 ID Picture

Initial Requirements

  • Copy of Latest Business Permits or Mayor's Permit

If Sole Proprietor

  • DTI Permit
  • Mayor's Permit
  • Picture of Business and / or inventory

If Partnership

  • Mayor's Permit
  • Articles of Partnership
  • Picture of Business and / or inventory

For Corporation

  • Mayor's Permit
  • SEC Registration with Articles of Incorporation and By-Laws

Agency Affiliated Services (OFW - Seaman)

Terms3 to 6 months

Secure your business's future with our competitive corporate loans tailored to meet your financial needs.

Requirements

Basic Requirements

  • 1 Primary Valid ID
  • 2 Secondary Valid ID's
  • Latest Proof of billing (Electricity / Water Bill)
  • 2x2 ID Picture

Initial Requirements

  • Copy of Latest Business Permits or Mayor's Permit

If Sole Proprietor

  • DTI Permit
  • Mayor's Permit
  • Picture of Business and / or inventory

If Partnership

  • Mayor's Permit
  • Articles of Partnership
  • Picture of Business and / or inventory

For Corporation

  • Mayor's Permit
  • SEC Registration with Articles of Incorporation and By-Laws

Group Accounts

Terms3 to 6 months

Secure your business's future with our competitive corporate loans tailored to meet your financial needs.

Requirements

Basic Requirements

  • 1 Primary Valid ID
  • 2 Secondary Valid ID's
  • Latest Proof of billing (Electricity / Water Bill)
  • 2x2 ID Picture

Initial Requirements

  • Copy of Latest Business Permits or Mayor's Permit

If Sole Proprietor

  • DTI Permit
  • Mayor's Permit
  • Picture of Business and / or inventory

If Partnership

  • Mayor's Permit
  • Articles of Partnership
  • Picture of Business and / or inventory

For Corporation

  • Mayor's Permit
  • SEC Registration with Articles of Incorporation and By-Laws

Not sure which loan fits you?

Talk to our loan officers — we’ll help you pick the right product.