PAGASA -Philippines Lending Company, Inc

Lumalawak na ngayon ang coverage ng Pagasa Lending sa buong Pilipinas. Kung kayo ay naghahanap ng mauutangan, pakibasa po ito hanggang sa kataposan para maliwanagan at ma guide kayo paano maging member at maka avail ng kanilang services.

As of  December 31, 2017
Description Count/Amount
Total number of branches              ----------251
Total number of program officers   ---------1,063
Total number of active groups        ---------17,563
Total number of active members    ---------311,995
Total number of active borrowers   ---------282,508
Total outstanding amount               ------1,913,440,255

To provide sustainable financial services to the entrepreneurial poor, to enhance their enterprises, thereby, making them economically self-reliant.

To provide small loans to entrepreneurial poor clients;
To provide an opportunity to accumulate alternative capital for their enterprises; and
To create employment opportunities for the clients by encouraging them to engage and/or enhance their existing enterprises

PAGASA Philippines Lending Company Inc. (PPLCI) seeks to pursue its mission to provide micro credit services to its members. It aims to empower the enterprising poor by helping them access credit for their income generating activity, helping increase family income that will eventually improve the economic conditions of their families and finally become social investors in community development. PPLCI also aims to create employment for the community and/or locality supporting the micro projects to the members and job placement in the company.

PAGASA Philippines Lending Company Inc. (PPLCI) is duly registered company with Securities and Exchange Commission (SEC) and serving a low-income or economically poor Filipinos through microfinance program which is provision of affordable credit and replicating the very well known ASA Methodology. The company was registered in 2007 and started its operations in Metro Manila and gradually expanded its operation in nearby provinces and later opened more branches in Luzon as well as in Mindanao. The company is directly affiliated with ASA International.

Five years from now, PAGASA Philippines shall establish itself as a center of excellence in the Philippine microfinance industry covering all the regions. To this end, PAGASA Philippines aims to establish more than 350 branches servicing half a million poor Filipino families within the next five years.

Financial Services
The loan program aims to improve the personal and social value of the clients in the family and in the community by involving themselves in income generating activities through the process of providing micro-credit loans for additional capital, reduce poverty through job creation in poor communities, help low-income people to overcome the dependency on money lenders (5/6 or Bombays) and eventually develop capabilities and economic independence of borrowers.

Loan Products – PPLCI currently offers three (3) credit programs; Small General Loan, Small Business Loan and Small Entrepreneurship Loan. All loans have 15% interest and are payable for twenty-three (23) weeks or  six (6) months. Loanable amount is based on the borrower’s capacity to pay. Loans are offered to individuals but borrowers are encouraged to be part of a locally-organized groups to avail of the loan products.

Loan Collateral Build-Up (LCBU) – Members are encouraged to deposit their weekly LCBU of P20-P100. This serves as a non-interest bearing collateral to the loans availed by the clients as well as an alternative capital and investment when client decides to withdraw from the loan program. During the loan term, borrowers can withdraw from their LCBU during group meetings provided that they maintain LCBU balance of at least 10% of the loaned amount.

No hidden charges
Lower interest rate
No upfront fee/deduction
No other charges such as service fee, BARB fee, loan application fee, etc.
Lifetime membership fee of P 50.00 only
Different loan products based on business and special loan program in case of emergency
No double/advance payment during holiday
There is moratorium/excuse from amortization payment during emergencies
Short group meeting time (maximum of 30 minutes)
Opportunity for early loan renewal
No collateral
Few and affordable requirements
Monthly update of borrowers account statements through SMS
Transparent account and policy
East payment terms and processing
Graduating opportunity for clients with good business
No group liabilities (individual approach)
Door step service

Other Services & CSR
Technical ASlide4ssistance (Training and Consultancy)
We provide training to other MFIs on staff enhancement and development, effective microfinance operations, as well as propagating the ASA Methodology.
Corporate Social Responsibility (CSR) Programs
The “One Scholar per Branch” program aims to provide financial assistance to 100 children of active borrowers who are in their last year of college (4 or 5 year program) or diploma (2-year program) course.

We provide assistance to members who have been affected by natural calamities or disasters. Moratorium in loan payments is also implemented to help clients recover their livelihood faster.

Areas of Operation
PPLCI operates 251 branches in 13 regions, 49 provinces, 218 cities and municipalities nationwide.

Cities of Quezon, Mandaluyong, Pasig, Manila, Caloocan, Valenzuela, Paranaque, Taguig, Las Pinas, Pasay and Muntinlupa

Provinces of Pangasinan, La Union, Ilocos Sur, Ilocos Norte, Mt. Province, Abra, Nueva Ecija, Bulacan, Pampanga, Zambales, Bataan, Tarlac, Rizal,  Cavite,  Laguna, Batangas, Quezon, Camarines Norte, Camarines Sur, Albay, and Sorsogon

Provinces of Zamboanga del Norte, Zamboanga del Sur, Zamboanga Sibugay, Bukidnon, Lanao del Norte, Misamis Oriental, Misamis Occidental, Davao del Norte, Davao del Sur, Davao Oriental, Davao Occidental, Compostela Valley, Agusan del Norte, Agusan del Sur, Surigao del Norte, Surigao del Sur, Saranggani, Cotabato, North Cotabato, South Cotabato, and Sultan Kudarat

Provinces of Aklan, Antique, Capiz, Iloilo, Negros Occidental, Negros Oriental, and Cebu


  1. Replies
    1. Magtanong kayo sa barangay nyo kung mayron nabang pumasok na pagasa jan.

    2. Paano po makpag aply wala po akong bank acount

  2. Paano po makapag avail ng loan

  3. Gusto ko din po mag avail ng loan

    1. Maghanap kayo ng Pagasa kiosk or branch office jan sa barangay o sa bayan nyo.

  4. how to apply po?
    what are the requirements?

    1. Mayron tayong ibang post related din sa Pagasa, check niyo ang other post namin.

  5. Hi po sana po matulungan nyo ko pangtuition lang po sana ng kapatid ko kailngang kailngan ko po kasi 15k po

    1. Magbasa lang po tayo dito sa mga post ng USAPANG PERA para kayoy magabayan.

  6. Pano po magloan victoria tarlac area po ako. Pang puhunan lang po sana sa itatayo kung business

    1. Magbasa po tayo ng iba pang post dito sa site natin.

  7. Pano mag loan negros occidental area

  8. Pano po ang proseso sa pag apply ng loan?

    1. Basahin ang mga ibang post natin dito tungkol sa Pagasa para magabayan kayo.

  9. Kung gusto mong mag withdraw ng savings ano ang maaaring gawin?

  10. Magandang Araw po PPLCI, tanong ko lang po kung ilang taon po ba ang proseso ng terminal pay?? Kasi isang taon at apat na buwan na akong resign sa pagasa pero ung terminal pay ko wala padin.. halos araw araw na ako nagpafollow up sa bm at head office wala naman aksyon na ginagawa..

  11. Magandang Araw po PPLCI, tanong ko lang po kung ilang taon po ba ang proseso ng terminal pay?? Kasi isang taon at apat na buwan na akong resign sa pagasa pero ung terminal pay ko wala padin.. halos araw araw na ako nagpafollow up sa bm at head office wala naman aksyon na ginagawa..

  12. Sobrang tagal maibalik yong 50% insurance.. Grabe.. Kunting halaga paabotin pa ng matagal... Diyos ko po

  13. San po ang branch nyo dito sa caloocan na pwede ako mag inquir for small business loan?

  14. Ok naman po ang pagAsa,maganda ang patakaran nila, wag lang pasaway ang mga members at gampanan natin ng maayos yung obligasyon natin,maghulog sa center sa takdang oras at maglaan palagi ng insurance ok naman din kylangan kumpleto agad mga documents para madali makuha Yong inaasahan mong insurance.. salamat po



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