Whether you want to pay for your child's education, buy a motor vehicle, purchase a new home, or start/expand your business, FCB offers a variety of lines of credit and loans to fit your financial goals.
Agriculture Loan
FCB finances projects related to the acquisition of farm machinery, equipment of farm-level production, marketing, development of plantation, and production of poultry, swine, and livestock.
Features:
  • Amount of loan based on actual need of the project, creditworthiness of the project, repayment capacity of the project, and loan value of collaterals
  • Loan term is based on the production cycle or gestation of the project
  • Finance projects related to agriculture and agri-business.
  • Requires real estate collateral
Benefits:
  • Get sufficient funds for the need of your project
  • Easy to monitor through the loan ledger
  • Market-based interest rates
Commercial Loan
FCB will finance fixed-asset acquisition, inventory, or expansion of existing businesses. Single proprietorships, partnerships, corporations, and cooperatives can avail of this loan facility.
Features:
  • Finance fixed-asset acquisition and expansion of business
  • Amount of loan based on actual need of the project, repayment capacity of the project, creditworthiness of the borrower, and loan value of collaterals
  • Flexible terms based on the cash flow of business
  • Requires real estate collateral
Benefits:
  • Flexible terms, based on the cash flow of the project
  • Market-based interest rate
  • Easy to monitor
Industrial Loan
FCB will grant loans to entrepreneurs for the processing and manufacturing of goods on commercial scale, either for expenses for labor, purchase of raw materials, marketing of goods produced or manufactured, or expansion of business.
Features:
  • Finance additional capital, production, marketing, and business expansion
  • Amount of loan based on the actual need of project, loan value of collaterals, repayment capacity of the project, and creditworthiness of the borrower
  • Lump sum payment upon maturity or amortized
  • Secured by real estate collateral
Benefits:
  • Flexible terms allow you to fit into your business plan
  • Reasonable interest rates
  • Easy to monitor
Motor Vehicle Loans
You can own brand new or secondhand motor vehicles through our motor vehicle loan products.
Features:
  • Longer term for a brand new motor vehicle of up to five(5) years
  • Term for a second-hand motor vehicle up to two (2) years
  • Payment is in equal monthly installments
  • Requires chattel mortgage and two (2) solvent co-makers
Benefits:
  • Easy payment in equal monthly installments
  • Gives you a better option than buying from the dealer by installment
  • Reasonable interest rate
Housing Loans
FCB gives you the chance to own a house or house and lot through our housing loan product. This product is available to individuals, partnerships, corporations, and cooperatives.
Features:
  • Loan to finance acquisition and development of properties
  • Amount of loan depends on the actual need of the project, loan value of collateral, repayment capacity of the project, and creditworthiness of the borrower
  • Flexible terms up to (five) 5 years
  • Requires real estate collateral
Benefits:
  • Easy payment in equal monthly installments
  • Reasonable interest rate
Salary Loans
Regular employees of public and private organizations can avail of this salary loan for various purposes, payable through automatic salary deduction.
Features:
  • Loanable amount up to 40% of annual regular net take home pay (NTHP)
  • Requires two (2) co-makers, both co-employees with permanent appointment
  • Flexible terms, from one (1) year to three (3) years
  • Automatic direct payroll deduction
  • Borrower insured under FCB's accredited insurers
Benefits:
  • Frees you from the hassle and inconvenience of paying over the counter
  • Easy to monitor your loan account
  • Competitive interest rates
Loans for SSS Pensioners
Pensioners of SSS who receive their monthly pension through their deposit accounts with FCB can avail of a loan from our bank whenever they need more cash.
Features:
  • Maximum loanable amount equals the monthly SSS pension multiplied by the terms of the loan in months
  • Requires from the pensioner an authority to debit from his savings deposit
  • Flexible terms of loan from one (1) year to three (3) years
  • Borrower insured under FCB’s accredited insurers
Benefits:
  • Frees you from the hassle and inconvenience of paying over the counter
  • Can easily request your ledger of loan account
  • Low interest rate
Loans for OFWs
Our bank extends loans to Overseas Filipino Workers for personal expenses, purchase of lot or house and lot, and improvement and renovation of existing house, among others.
Features:
  • Amount of loan depends on the actual need of the project, loan value of collateral, repayment capacity of the project, and creditworthiness of the borrower
  • Flexible terms, from one (1) year to five (5) years
  • Requires latest contract of employment or proof of hiring
  • Monthly amortization with maximum of 3-month grace period
  • Requires real estate collateral
Benefits:
  • Easy payment in equal monthly installments
  • Reasonable interest rate
Loan for Balikbayans
Our bank also extends loans to balikbayans for personal expenses, vacation, payment of medical expenses, and purchase of furniture and appliances.
Features:
  • Amount of loan depends on the actual need of the project, loan value of collateral, repayment capacity of the project, and creditworthiness of the borrower
  • Flexible terms, from one (1) year up to five (5) years
  • Requires latest contract of employment or proof of hiring
  • Monthly repayment
  • Requires real estate collateral
Benefits:
  • Easy payment in equal monthly installments
  • Reasonable interest rate
Commercial Credit Line (Revolving and Non-Revolving)
This loan facility is intended to augment working capital of customers.
Features:
  • Available only to businessmen
  • Amount of credit depends on the actual need of the project, loan value of collateral, repayment capacity of the project, and creditworthiness of the borrower
  • Credit line available for multiple drawdowns within the one-year term
  • Monthly repayment or quarterly installments
  • Requires real estate collateral
Benefits:
  • Easy access to funds as needed by the business
  • Market-based interest rate
  • Allows businesses to manage their funding requirements
Omnibus Line
This credit line is a multi-purpose credit facility, which borrowers can avail depending on the credit requirements provided it does not exceed the approved credit limit.
Features:
  • Available only to businessmen
  • Amount of credit depends on the actual need of the project, loan value of collateral, repayment capacity of the project, and creditworthiness of the borrower
  • Credit line available for one time or multiple drawdowns
  • Requires real estate collateral
Benefits:
  • Easy access to fund as needed by the business
  • Market-based interest rate
  • Allows flexibility in managing funding requirements