Loan Calculator

Step 1: Access the Loan Calculator 

1. Open your web browser (Chrome, Firefox, Safari, etc.).
2. Go to https://omsmpc.com/loancalculator.

Step 2: Loan Type

Select your loan type by clicking the dropdown below “Loan Types:”. 

• Auto Loan
• Term Loan  
• Motorcycle Loan  
• Back-to-Back Loan 
• Educational Loan  
• Travel Loan  
• Employee Loan  
• Calamity Loan  
• HMO Loan  
• Back-to-Back Promo Loan

Step 3: Loan Amount

1. Once you’ve selected your loan type, click the textbox under “Loan Amount (₱):” and enter the total amount you want (e.g., ₱100,000).
2. Each loan type has different eligibility limits. For example:
   • Term Loan (New Applicants): Maximum of ₱150,000
   • Term Loan (Renewal Applicants): Maximum of ₱300,000
   • Note: Always check the guidelines marked with “ * ” for specific loan limits.
3. Loan Amount is automatically set in minimum amount, there will be a warning once it’s below the minimum amount. Once it exceeds the maximum amount there will be a warning.

Step 4: Loan Term 

Choose the repayment period under “Months to Repay:” (e.g., 12 months).

Note:

- The term is auto-set to the minimum months.

- Each loan type has different minimum/maximum terms.

Step 5: Calculate 

1. After entering all necessary inputs, click the “Calculate” button. 
2. Once you click the “Calculate” button, a pop-up “Disclaimer” will appear. Read it carefully.
3. Tick “I understand the terms” and click “Continue”.

Step 6: Results 

1. After clicking the “Continue” button, the results will be shown below:
   • Estimated monthly payment.
   • Selected repayment term.
   • Disclaimer summary.
2. Ready to apply?
   • Click “CLICK HERE TO APPLY!” to proceed to the OMSMPC E-Services website.
   • Note: You’ll need to log in to access the Credits and Savings page.
3. If you wish to know more, click “For more details, Click Here”.