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OFW Loan Pricing Comparison and Calculator

For landbased Overseas Filipino Workers (OFW), have a look at the loan comparison chart we put together from information we gathered from different private lending companies. This table serves as a calculator for various loan amounts. It shows how much your monthly payment would be for 6 months and no grace period given the loan amount. We use the net pay out amount, after any up-front fees deducted to make the numbers comparable. Wherever possible, we use mystery shopping and actual amortization tables shared by customers:

123 Lending Balikbayad Global Dominion PJH Zazu
30,000 6,368.76 6,779.17 8,454.44 7,317.15 6,952.80
50,000 10,614.60 11,345.83 14,090.91 12,195.25 11,588.00
70,000 14,860.44 15,912.50 19,727.27 17,073.35 16,223.20
100,000 21,229.20 22,762.50 28,181.82 24,390.50 23,176.00
120,000 25,475.04 27,329.17 33,817.76 29,268.60 27,811.20
150,000 31,843.80 34,179.17 42,272.20 36,585.75 34,764.00
180,000 38,212.56 41,029.17 50,726.64 43,902.90 41,716.80
200,000 42,458.40 45,595.83 56,362.93 48,781.00 46,352.00

Requirements Comparison Chart of Lending Companies

Hi kababayan! Do you want to know the requirements in applying for an OFW or Seaman loan? Check below for the requirements of each lending company.

123 Lending Balikbayad Global Dominion MLC PJH Zazu
2×2 picture 2 pcs 2 pcs 2 pcs 2 pcs 2 pcs 3 pcs
Valid IDs* 2 pcs 1 pcs 2 pcs 2 pcs 2 pcs 2 pcs
Valid Passport
Proof of billing**
Barangay Clearance**
Official Employment Contract***
Valid visa to the country of deployment
Valid Plane Ticket
Birth/ Marriage Certificate of Borrower
Overseas Employment Certificate (OEC)

*Government issued; signed by borrower **Most recent and contains borrower’s name and residence address ***Must bear the signature of both the employer and employee; must show the salary, allowances, contract duration and country of destination For Seaman, in addition to the requirements above, lending companies also require seaman’s book, seaman’s registration certificate and an allotment certificate.