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Makaguro Loan

A Loan facility being extended to eligible and permanent teaching and non-teaching personnel of DepEd via Automatic Payroll Deduction System (APDS).

For our educators—fast, easy loan access today!

makaguro-loan

Features

Specially designed for DepEd personnel, enjoy convenient terms through automatic payroll deduction.

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Loan Amount

Up to ₱1,500,000 based on net take-home pay

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Loan Term

Flexible repayment terms from 12 to 60 months

Eligibility Criteria

  • With at least six (6) months of service in the Department of Education (DepEd) in teaching or non-teaching positions;
  • With permanent appointment
  • Included in the regular payroll with issued DepEd employee number, whether assigned at the national, regional, school division, school levels (implementing unit (IU) or non-IU) or autonomous schools.
  • With capacity to pay based on the required minimum Net Take Home Play (NTHP) PHP 5,000.
  • At least 21 years old and not over 65 years old upon maturity of loan.

Requirements