How can we help you?
Quick answers about applying, rates, requirements, release and payments.
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Applying
How do I apply?
At our office
Submit your requirements at Unit 4, 3rd Floor, #26 Congressional Square Building, Congressional Avenue, Brgy. Bahay Toro, Quezon City 1106.
Online
Apply at apply.jctezloan.com.ph, or message us on our official Facebook page — don’t forget to hit Like!
By phone
(02) 8294 9708
Globe +63 917 867 6881
TNT | Smart +63 909 046 2338
By e-mail
Through a loan officer
Schedule an appointment by e-mail or phone and one of our loan officers will visit you to help with your application.
What are your operating hours?
We are open Monday to Friday, 9:00 AM to 6:00 PM.
How long will it take for my application to be processed?
Your loan application can be processed in as fast as 7 to 10 working days.
Terms & fees
What are the payment terms?
| Loan product | Payment terms |
|---|---|
| Real Estate Mortgage Loan | 3 months to 3 years |
| Vehicle Mortgage Loan | 3 to 18 months |
| Salary Loan | 3 to 6 months |
| Business Loan | 3 to 6 months |
| Retirement Loan | 3 to 6 months |
| Corporate Loan | 3 to 6 months |
Is there an application fee?
No. We don’t collect a loan application fee or any other fees before loan approval.
Do you have a processing fee or service fee?
All our fees are deducted from your loan proceeds, or we can include them in your monthly amortization. You don’t need to pay anything upfront for us to process your loan.
Requirements
What are the requirements?
See the complete list of requirements for the loan you want to apply for:
Does my co-maker need to be related to me?
Yes. Your co-maker should be directly related to you: your spouse, parents, siblings or kin.
I have a live-in partner and we have a child together. Can he or she be my co-maker?
Yes, but you need to bring your child’s birth certificate as proof of your relationship with your live-in partner.
I am a “balik manggagawa” currently on vacation. Can I still apply?
Yes, of course. Aside from the other required documents, just submit your balik manggagawa information sheet, your return ticket and proof of remittance.
Can I take out a loan without a checking account?
We only accept businesses that already have a checking account that has been active for at least 6 months.
We can help you open a checking account with one of our accredited banks to use for your amortization.
Approval & release
How will I know if my loan is approved?
Our loan officer will call you once your application is approved and explain how to get your loan proceeds.
If my application is disapproved, can I ask why?
Unfortunately, we are not obliged to disclose the reason for a disapproval, and we do not re-assess applications that have already been disapproved by the panel.
How do I get my loan?
You can personally receive your loan proceeds via check release or, for convenience, receive them directly in your designated bank account.
Payments & renewal
How do I pay my amortization?
You pay your amortization through post-dated checks that you submit upon release of your loan proceeds.
What happens if I cannot fund my checking account on or before my installment date?
All post-dated checks issued to J.C.T. EZ Loan Corporation are endorsed to our accredited bank for check warehousing. This means the bank deposits each check automatically on its date, so it’s important to fund your account to avoid penalties and charges from your bank and from our office.
If you’d rather pay by direct deposit to our bank account, deposit your payment at least 3 days before your installment date so we have time to pull out and process your check from the bank.
How do I renew my loan?
Contact your assigned loan officer for the details of your renewal. Since you are already our customer, the process will be faster and easier!
Can I renew my loan even if I still have an outstanding balance?
Yes. Request a renewal from your assigned loan officer and we will assess whether you already qualify.
Can I pre-terminate my loan?
Yes, you can pay off your loan earlier than scheduled. We do not charge a pre-termination fee.
Still have questions?
Our team is happy to help, Monday to Friday, 9:00 AM – 6:00 PM.
