This is only a pre-registration form — not a loan approval yet. It takes about 2 minutes. We’ll compute your loan figures right away, and if you’re ready to move forward, we’ll bring the paperwork to you for free.
APDS Ready Trusted by Teachers
₱
Invited by
—
Referral Code —
1
Loan Details
2
Your Info
3
Confirm
Teachers' Loan Pre-Assessment
Enter your net take-home pay to instantly see what you can borrow and your monthly payment.
Your actual salary received after all deductions (GSIS, PAG-IBIG, PhilHealth, and existing salary loans)
₱
Your take-home pay may be a concern.
PhilLife requires at least ₱5,100.00 net take-home after all deductions, plus a minimum monthly amortization of ₱358.36 — bringing the minimum to ₱5,458.36.
If you're close, settling or reducing existing deductions may free up room. Feel free to reach out anytime.
Your pay qualifies!
You can borrow up to
—
over 60 months · choose your amount and term below
Please enter your net take-home pay above to continue.
Enter take-home pay and choose term to see your allowable loan range.
Computed in real-time · Secure & Encrypted
12months4.109% / yr
24months4.822% / yr
36months5.196% / yr
48months5.240% / yr
Best Value60months5.296% / yrlowest monthly payment
Pre-Registration
Confirm your eligibility and fill in your details. This is not the official loan application.
Eligibility Confirmation
Tap each item that applies to you. All 4 must apply.
✓
I hold a Permanent AppointmentYour position must be permanent (not temporary or contractual)
✓
I am included in the Regular PayrollYour salary is released through DepEd's official payroll system
✓
I have been issued an Employee NumberYou have an official DepEd employee number on record
✓
I have an official DepEd email addressYou have an active DepEd-issued email (e.g. yourname@deped.gov.ph)
You may not qualify at this time. Based on your answers, you may not meet the minimum requirements. You may still reach out — I can check your case personally. Ask on Messenger
Personal Information
Your details will only be used to prepare your application and contact you.
Jomo will reach you on this number. Viber preferred so he can send documents directly.
Optional — we'll send a copy of your pre-registration details here for your reference.
School Information
Your Schools Division Office (SDO) — usually named after your city or province.
Your SDO may still be covered — please message me first so I can check availability for your area.
Ask on Messenger →
Your area may still be covered — please contact me first so I can check availability and assist you with the proper process for your area.
Ask on Messenger →
Enter the full name of the school where you are currently assigned.
Your current DepEd position or rank.
Best Time to Reach You
Let Jomo know when it's a good time to get in touch. He'll verify your details first, then arrange everything from there — including the application form and document pickup, at no cost to you.
Your information is subject for review, then an application form will be sent to you — digitally or via free delivery, whichever works best for you. A wet signature is required to keep your application secure and officially processed.
You're all set, Teach! Jomo will personally reach out within 1 banking day.
Your Reference / Tracking Number—Use this number when following up with your agent.📸 Screenshot this page to save your tracking number.✉️ A copy was sent to
Know a fellow teacher who might benefit?
What Happens Next
Step 1 — Wait for Jomo's Call
Jomo will reach out to verify your details. This is a quick check — he may ask for a photo of your latest payslip and a valid ID via Messenger.
Step 2 — Application Form
Once qualified, Jomo will arrange your application form — either delivered to you or sent as a downloadable file. Free of charge.
Step 3 — Prepare Your Documents
2 latest payslips
2 valid IDs
2 pcs 1×1 or 2×2 photos
Service Record or Appointment Letter
Not Quite Yet
Based on your answers, you may not meet the minimum qualifications for the loan at this time. This is not a final decision.
If you believe this is an error or have questions, please reach out to us directly. We're happy to help clarify.
