Please provide us with your information so we may serve you better.
  Full Name*

(If pensioner, please enter SSS, GSIS, PVAO)
  Present ZIP Code*
  Email Address*
  As a client, please describe what fits you best:
  For your address, please describe what fits you:
  Please tell us the loan type that you are interested:
  Please tell us how much you need to borrow:
  How long have you worked with your current company:
  How much is your monthly salary:
  Optional Messages:

  Note: * is a required field.
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Application Requirements
  • Salary Loan
    • Passport size photo
    • Cedula (current year)
    • Certificate of Employment
    • Photocopy of company ID (both sides)
    • One month latest payslips
    • ATM payroll card
    • ATM balance inquiry receipt/transaction slip
    • Co-Maker (if you are new applicant from BPO)
  • Pension Loan
    • ATM Card
    • ATM balance inquiry receipt/transaction slip
    • Passport size colored photo
    • Cedula (current year)
    • Photocopy of valid ID (SSS/GSIS/PVAO, etc.)
    • Proof of billing (VECO, MCWD, PLDT, GLOBE, etc.)
    • Retirement voucher
    • Marriage contract (if survivor)
  • Teachers Loan
    • Passport size photo
    • Cedula (current year)
    • Pay slip (latest 1 month)
    • Photocopy of Professional License (PRC Card)
    • Photocopy of DepED ID Card
    • Certified True Copy of Permanent Appointment
    • Certificate of Teaching Assignment from Principal
    • ATM Payroll Card
    • ATM balance slip/transaction slip
Who are eligible to apply
  • Salary Loan
    • A regular employee for at least six (6) months from the date of regularization including public school teachers.
    • With good performance/character standing in the company.
  • Pension Loan
    • A pensioner/survivor not more than 80 years old of GSIS, SSS, PVAO..
    • Pension is through ATM card.
Application Process
  1. Secure an application form in the nearest branch office attached with the other requirements.
  2. Submit these to the Customer Service Representative.
  3. Loan application is subject for evaluation by the Loan Officer.
    • Loan approval of one (1) hour depending on the availability of the Human Resource Personnel upon employment verification.
Interest Rates for Salary Loan
  • 1 8 months = 4.2%
  • 9 months = 4.0%
  • 10 12 months = 3.8%
  • 13 months & above = 3.5%
Interest Rate for Pension Loan
  • Maximum term of 36 months = 2.5%
Interest Rates for Teachers Loan
  • 12 months = 2.8%
  • 24 months = 2.5%
  • 36 months = 1.88%
Fees and Charges
  • NO processing fee collected.
  • NO advance interest deducted upon release of loan.
Once you become a member, you can avail any of our short-term loans:
  • P.O. cash loan
  • P-Loan
  • Educational Loan
  • Resita Loan
  • Hospitalization Loan
  • Quick Cash
Why choose YYKredit?
  • Fast approval
  • No processing fee
  • No advance interest
  • Very convenient and accessible with three (3) branches in Cebu
  • Online/telephone application and releasing through BancNet and Megalink by ChinaTrust Bank