• Your Trusted Online Lending Partner for OFWs

  • RJCT CREDIT EXPRESS FINANCE CORP.

    We pride ourselves on being a trusted leader in financial solutions for OFWs and beyond. Since 2023, our commitment has been to make borrowing simple, quick, and personalized to your unique needs. With competitive rates, easy approval processes, and excellent customer support, we strive to be the financial partner you can count on.

  • Our Services

    We specialize in offering a variety of financial solutions tailored to our clients' diverse needs, including Student Loans, Personal Loans, Business Loans, Emergency Loans, and Debt Consolidation Loans, as detailed below

    Student Loan

    Want to study? No problem. With us, you can get a student loan NOW and start paying back only once you finish your study and get a job. Amazing, right?

    The Student Loan is based on your merit and academic performances. So, all you need is to study hard, whether it’s your bachelor, master or vocational training.

    We offer 3 ways of repaying the loan. You can choose to pay nothing before graduating, to pay only the interest during your studies, or to start repaying the loan immediately.

    •Duration: up to 5 years, can be flexible

    •Interest rate: only 0.3% per month

    •No collateral needed, only your academic performance is taken into account

    Personal Loan

    Loans provided in pesos or other currencies via our network of branches, with repayments starting from 0.3% per month, calculated using the amortizing balance method.

    Loan size is based on the capability of reimbursement.

    Advantages:

    • Consult with our staff who will help you decide on your loan.

    • Free choice of currency, either pesos or others.

    • A competitive interest rate, calculated via the amortizing balance method.

    • Borrow and repay loans with our agent.

    • Flexible loan duration and repayment plans catered to suit you.

    Business loan

    We provide loans for business purposes ranging from start-ups to corporate expansions, in fields from agriculture to IT. Our Business Loans are a popular way for small- and medium-scale entrepreneurs to gain access to the capital they need.

    Members can apply for a loan of any amount (under certain conditions) by using the amortization balance method with flexible repayment.

    Advantages:

    • Choose between pesos or others.

    • A competitive interest rate, calculated based on amortizing balance method.

    • Borrow and repay loan thru our agent service provider.

    • Flexible loan duration and repayment plans to fit your business requirements.

    Emergency Loan

     

    Emergency Loans were developed to reward our loyal customers by offering assistance in dealing with any unexpected and urgent situations, including accidents, health issues, deaths or any other emergency. The loan is fast, convenient and dispersed based on the situation.

    Debt Consolidation Loan

    • Have you accumulated several debts?

    • Are you paying back 2, 3 or 4 installments every month?

    • Different rates, different durations… are you lost in all the numbers?

    • Is there a way to pay less?

    • At here we can combine all your credits into one single figure, easing the burden on your budget and increasing your purchasing power.

  • CALCULATE YOUR LOAN PAYMENTS

    Get an instant breakdown of your loan installments

  • Our Top Assistant Teams of 2025

    Section image

    "My primary responsibility is to ensure that every client’s experience is smooth, professional, and welcoming from the moment they arrive. I view my role as a bridge between the client and the services we offer!

    —Julieta Soltes

    Section image

    "As a Loan Assistant, my role is to guide clients through the loan application process with efficiency and care, and ensure that each step is completed smoothly. My goal is to make the loan process as easy and transparent as possible!

    —Maria Theresa Santos

    Section image

    "As your Loan Assistant, I’m committed to making the loan process as smooth and stress-free as possible. Whether you're applying for a personal loan, home loan, or business financing, I’m here to provide full support. I’ll guide you through every step!

    — Jessica Mae Hernandez

  • FAQs

    Your Questions Answered: Explore How We Simplify Lending

  • Contact

    F3, Damosa Diamond Tower, Damosa, Lanang, Davao City, 8000, Davao del Sur, Philippines.
    Mon-Sun - 10:00 AM to 10:00 PM
    +63-962 803 2533
    +63-962 803 2533
    rjctcreditexpressfinancecorp1@gmail.com
    Cookie Use
    We use cookies to ensure a smooth browsing experience. By continuing we assume you accept the use of cookies.
    Learn More
    , EUR: '\u20ac', GBP: '\u00a3', JPY: '\u00a5', INR: '\u20b9',\n CAD: 'C

    • Your Trusted Online Lending Partner for OFWs

    • RJCT CREDIT EXPRESS FINANCE CORP.

      We pride ourselves on being a trusted leader in financial solutions for OFWs and beyond. Since 2023, our commitment has been to make borrowing simple, quick, and personalized to your unique needs. With competitive rates, easy approval processes, and excellent customer support, we strive to be the financial partner you can count on.

    • Our Services

      We specialize in offering a variety of financial solutions tailored to our clients' diverse needs, including Student Loans, Personal Loans, Business Loans, Emergency Loans, and Debt Consolidation Loans, as detailed below

      Student Loan

      Want to study? No problem. With us, you can get a student loan NOW and start paying back only once you finish your study and get a job. Amazing, right?

      The Student Loan is based on your merit and academic performances. So, all you need is to study hard, whether it’s your bachelor, master or vocational training.

      We offer 3 ways of repaying the loan. You can choose to pay nothing before graduating, to pay only the interest during your studies, or to start repaying the loan immediately.

      •Duration: up to 5 years, can be flexible

      •Interest rate: only 0.3% per month

      •No collateral needed, only your academic performance is taken into account

      Personal Loan

      Loans provided in pesos or other currencies via our network of branches, with repayments starting from 0.3% per month, calculated using the amortizing balance method.

      Loan size is based on the capability of reimbursement.

      Advantages:

      • Consult with our staff who will help you decide on your loan.

      • Free choice of currency, either pesos or others.

      • A competitive interest rate, calculated via the amortizing balance method.

      • Borrow and repay loans with our agent.

      • Flexible loan duration and repayment plans catered to suit you.

      Business loan

      We provide loans for business purposes ranging from start-ups to corporate expansions, in fields from agriculture to IT. Our Business Loans are a popular way for small- and medium-scale entrepreneurs to gain access to the capital they need.

      Members can apply for a loan of any amount (under certain conditions) by using the amortization balance method with flexible repayment.

      Advantages:

      • Choose between pesos or others.

      • A competitive interest rate, calculated based on amortizing balance method.

      • Borrow and repay loan thru our agent service provider.

      • Flexible loan duration and repayment plans to fit your business requirements.

      Emergency Loan

       

      Emergency Loans were developed to reward our loyal customers by offering assistance in dealing with any unexpected and urgent situations, including accidents, health issues, deaths or any other emergency. The loan is fast, convenient and dispersed based on the situation.

      Debt Consolidation Loan

      • Have you accumulated several debts?

      • Are you paying back 2, 3 or 4 installments every month?

      • Different rates, different durations… are you lost in all the numbers?

      • Is there a way to pay less?

      • At here we can combine all your credits into one single figure, easing the burden on your budget and increasing your purchasing power.

    • CALCULATE YOUR LOAN PAYMENTS

      Get an instant breakdown of your loan installments

    • Our Top Assistant Teams of 2025

      Section image

      "My primary responsibility is to ensure that every client’s experience is smooth, professional, and welcoming from the moment they arrive. I view my role as a bridge between the client and the services we offer!

      —Julieta Soltes

      Section image

      "As a Loan Assistant, my role is to guide clients through the loan application process with efficiency and care, and ensure that each step is completed smoothly. My goal is to make the loan process as easy and transparent as possible!

      —Maria Theresa Santos

      Section image

      "As your Loan Assistant, I’m committed to making the loan process as smooth and stress-free as possible. Whether you're applying for a personal loan, home loan, or business financing, I’m here to provide full support. I’ll guide you through every step!

      — Jessica Mae Hernandez

    • FAQs

      Your Questions Answered: Explore How We Simplify Lending

    • Contact

      F3, Damosa Diamond Tower, Damosa, Lanang, Davao City, 8000, Davao del Sur, Philippines.
      Mon-Sun - 10:00 AM to 10:00 PM
      +63-962 803 2533
      +63-962 803 2533
      rjctcreditexpressfinancecorp1@gmail.com
      Cookie Use
      We use cookies to ensure a smooth browsing experience. By continuing we assume you accept the use of cookies.
      Learn More
      , AUD: 'A

      • Your Trusted Online Lending Partner for OFWs

      • RJCT CREDIT EXPRESS FINANCE CORP.

        We pride ourselves on being a trusted leader in financial solutions for OFWs and beyond. Since 2023, our commitment has been to make borrowing simple, quick, and personalized to your unique needs. With competitive rates, easy approval processes, and excellent customer support, we strive to be the financial partner you can count on.

      • Our Services

        We specialize in offering a variety of financial solutions tailored to our clients' diverse needs, including Student Loans, Personal Loans, Business Loans, Emergency Loans, and Debt Consolidation Loans, as detailed below

        Student Loan

        Want to study? No problem. With us, you can get a student loan NOW and start paying back only once you finish your study and get a job. Amazing, right?

        The Student Loan is based on your merit and academic performances. So, all you need is to study hard, whether it’s your bachelor, master or vocational training.

        We offer 3 ways of repaying the loan. You can choose to pay nothing before graduating, to pay only the interest during your studies, or to start repaying the loan immediately.

        •Duration: up to 5 years, can be flexible

        •Interest rate: only 0.3% per month

        •No collateral needed, only your academic performance is taken into account

        Personal Loan

        Loans provided in pesos or other currencies via our network of branches, with repayments starting from 0.3% per month, calculated using the amortizing balance method.

        Loan size is based on the capability of reimbursement.

        Advantages:

        • Consult with our staff who will help you decide on your loan.

        • Free choice of currency, either pesos or others.

        • A competitive interest rate, calculated via the amortizing balance method.

        • Borrow and repay loans with our agent.

        • Flexible loan duration and repayment plans catered to suit you.

        Business loan

        We provide loans for business purposes ranging from start-ups to corporate expansions, in fields from agriculture to IT. Our Business Loans are a popular way for small- and medium-scale entrepreneurs to gain access to the capital they need.

        Members can apply for a loan of any amount (under certain conditions) by using the amortization balance method with flexible repayment.

        Advantages:

        • Choose between pesos or others.

        • A competitive interest rate, calculated based on amortizing balance method.

        • Borrow and repay loan thru our agent service provider.

        • Flexible loan duration and repayment plans to fit your business requirements.

        Emergency Loan

         

        Emergency Loans were developed to reward our loyal customers by offering assistance in dealing with any unexpected and urgent situations, including accidents, health issues, deaths or any other emergency. The loan is fast, convenient and dispersed based on the situation.

        Debt Consolidation Loan

        • Have you accumulated several debts?

        • Are you paying back 2, 3 or 4 installments every month?

        • Different rates, different durations… are you lost in all the numbers?

        • Is there a way to pay less?

        • At here we can combine all your credits into one single figure, easing the burden on your budget and increasing your purchasing power.

      • CALCULATE YOUR LOAN PAYMENTS

        Get an instant breakdown of your loan installments

      • Our Top Assistant Teams of 2025

        Section image

        "My primary responsibility is to ensure that every client’s experience is smooth, professional, and welcoming from the moment they arrive. I view my role as a bridge between the client and the services we offer!

        —Julieta Soltes

        Section image

        "As a Loan Assistant, my role is to guide clients through the loan application process with efficiency and care, and ensure that each step is completed smoothly. My goal is to make the loan process as easy and transparent as possible!

        —Maria Theresa Santos

        Section image

        "As your Loan Assistant, I’m committed to making the loan process as smooth and stress-free as possible. Whether you're applying for a personal loan, home loan, or business financing, I’m here to provide full support. I’ll guide you through every step!

        — Jessica Mae Hernandez

      • FAQs

        Your Questions Answered: Explore How We Simplify Lending

      • Contact

        F3, Damosa Diamond Tower, Damosa, Lanang, Davao City, 8000, Davao del Sur, Philippines.
        Mon-Sun - 10:00 AM to 10:00 PM
        +63-962 803 2533
        +63-962 803 2533
        rjctcreditexpressfinancecorp1@gmail.com
        Cookie Use
        We use cookies to ensure a smooth browsing experience. By continuing we assume you accept the use of cookies.
        Learn More
        , CHF: 'CHF', CNY: '\u00a5', KRW: '\u20a9',\n SGD: 'S

        • Your Trusted Online Lending Partner for OFWs

        • RJCT CREDIT EXPRESS FINANCE CORP.

          We pride ourselves on being a trusted leader in financial solutions for OFWs and beyond. Since 2023, our commitment has been to make borrowing simple, quick, and personalized to your unique needs. With competitive rates, easy approval processes, and excellent customer support, we strive to be the financial partner you can count on.

        • Our Services

          We specialize in offering a variety of financial solutions tailored to our clients' diverse needs, including Student Loans, Personal Loans, Business Loans, Emergency Loans, and Debt Consolidation Loans, as detailed below

          Student Loan

          Want to study? No problem. With us, you can get a student loan NOW and start paying back only once you finish your study and get a job. Amazing, right?

          The Student Loan is based on your merit and academic performances. So, all you need is to study hard, whether it’s your bachelor, master or vocational training.

          We offer 3 ways of repaying the loan. You can choose to pay nothing before graduating, to pay only the interest during your studies, or to start repaying the loan immediately.

          •Duration: up to 5 years, can be flexible

          •Interest rate: only 0.3% per month

          •No collateral needed, only your academic performance is taken into account

          Personal Loan

          Loans provided in pesos or other currencies via our network of branches, with repayments starting from 0.3% per month, calculated using the amortizing balance method.

          Loan size is based on the capability of reimbursement.

          Advantages:

          • Consult with our staff who will help you decide on your loan.

          • Free choice of currency, either pesos or others.

          • A competitive interest rate, calculated via the amortizing balance method.

          • Borrow and repay loans with our agent.

          • Flexible loan duration and repayment plans catered to suit you.

          Business loan

          We provide loans for business purposes ranging from start-ups to corporate expansions, in fields from agriculture to IT. Our Business Loans are a popular way for small- and medium-scale entrepreneurs to gain access to the capital they need.

          Members can apply for a loan of any amount (under certain conditions) by using the amortization balance method with flexible repayment.

          Advantages:

          • Choose between pesos or others.

          • A competitive interest rate, calculated based on amortizing balance method.

          • Borrow and repay loan thru our agent service provider.

          • Flexible loan duration and repayment plans to fit your business requirements.

          Emergency Loan

           

          Emergency Loans were developed to reward our loyal customers by offering assistance in dealing with any unexpected and urgent situations, including accidents, health issues, deaths or any other emergency. The loan is fast, convenient and dispersed based on the situation.

          Debt Consolidation Loan

          • Have you accumulated several debts?

          • Are you paying back 2, 3 or 4 installments every month?

          • Different rates, different durations… are you lost in all the numbers?

          • Is there a way to pay less?

          • At here we can combine all your credits into one single figure, easing the burden on your budget and increasing your purchasing power.

        • CALCULATE YOUR LOAN PAYMENTS

          Get an instant breakdown of your loan installments

        • Our Top Assistant Teams of 2025

          Section image

          "My primary responsibility is to ensure that every client’s experience is smooth, professional, and welcoming from the moment they arrive. I view my role as a bridge between the client and the services we offer!

          —Julieta Soltes

          Section image

          "As a Loan Assistant, my role is to guide clients through the loan application process with efficiency and care, and ensure that each step is completed smoothly. My goal is to make the loan process as easy and transparent as possible!

          —Maria Theresa Santos

          Section image

          "As your Loan Assistant, I’m committed to making the loan process as smooth and stress-free as possible. Whether you're applying for a personal loan, home loan, or business financing, I’m here to provide full support. I’ll guide you through every step!

          — Jessica Mae Hernandez

        • FAQs

          Your Questions Answered: Explore How We Simplify Lending

        • Contact

          F3, Damosa Diamond Tower, Damosa, Lanang, Davao City, 8000, Davao del Sur, Philippines.
          Mon-Sun - 10:00 AM to 10:00 PM
          +63-962 803 2533
          +63-962 803 2533
          rjctcreditexpressfinancecorp1@gmail.com
          Cookie Use
          We use cookies to ensure a smooth browsing experience. By continuing we assume you accept the use of cookies.
          Learn More
          , THB: '\u0e3f', ZAR: 'R', AED: '\u062f.\u0625'\n };\n\n const formatNumber = (number) =\u0026gt; {\n if (isNaN(number) || !isFinite(number)) return '0.00';\n return Math.abs(number).toFixed(2).replace(\/\\B(?=(\\d{3})+(?!\\d))\/g, ',');\n };\n \n const formatDate = (date) =\u0026gt; {\n if (!date || isNaN(date.getTime())) return 'N\/A';\n const y = date.getFullYear();\n const m = String(date.getMonth() + 1).padStart(2, '0'); \/\/ Month is 0-indexed\n const d = String(date.getDate()).padStart(2, '0');\n return `${y}-${m}-${d}`;\n };\n\n \/\/ --- Amortization and Display Logic ---\n const calcAmortization = () =\u0026gt; {\n const P = parseFloat($('loanAmount').value); \/\/ Principal\n const monthlyRatePercent = parseFloat($('monthlyRate').value); \/\/ Monthly Rate (e.g., 0.3)\n const termYears = parseInt($('loanTerm').value);\n const currencyCode = $('currency').value;\n const currencySymbol = CURRENCY_SYMBOLS[currencyCode] || currencyCode;\n const startDateValue = $('startDate').value; \/\/ Get date string\n\n const n = termYears * 12; \/\/ Total number of payments (months)\n const rMonthly = monthlyRatePercent \/ 100; \/\/ Monthly Rate in decimal (e.g., 0.003)\n\n \/\/ --- Input Validation ---\n \/\/ Check if Loan Amount is a positive number and Monthly Rate is non-negative\n if (isNaN(P) || P \u0026lt;= 0 || isNaN(monthlyRatePercent) || monthlyRatePercent \u0026lt; 0 || !startDateValue) {\n $('output').innerHTML = `\u0026lt;div class=\"summary-card\" style=\"background-color: #fef2f2; border: 1px solid var(--danger-red); text-align: center; padding: 1rem;\"\u0026gt;\n \u0026lt;p style=\"color: var(--danger-red); font-weight: 600; font-size: 1.125rem;\"\u0026gt;\n Please enter a valid Loan Amount, Monthly Rate, and First Payment Date.\n \u0026lt;\/p\u0026gt;\n \u0026lt;\/div\u0026gt;`;\n $('amortizationSchedule').innerHTML = `\u0026lt;p class=\"text-center\" style=\"color: #6b7280; padding: 2rem 0;\"\u0026gt;Schedule will be displayed here.\u0026lt;\/p\u0026gt;`;\n return;\n }\n\n \/\/ Parse the start date\n const [startYear, startMonth, startDay] = startDateValue.split('-').map(Number);\n const startDateObj = new Date(startYear, startMonth - 1, startDay); \/\/ Month is 0-indexed\n\n if (isNaN(startDateObj.getTime())) {\n $('output').innerHTML = `\u0026lt;div class=\"summary-card\" style=\"background-color: #fef2f2; border: 1px solid var(--danger-red); text-align: center; padding: 1rem;\"\u0026gt;\n \u0026lt;p style=\"color: var(--danger-red); font-weight: 600; font-size: 1.125rem;\"\u0026gt;\n Please enter a valid First Payment Date.\n \u0026lt;\/p\u0026gt;\n \u0026lt;\/div\u0026gt;`;\n $('amortizationSchedule').innerHTML = `\u0026lt;p class=\"text-center\" style=\"color: #6b7280; padding: 2rem 0;\"\u0026gt;Schedule will be displayed here.\u0026lt;\/p\u0026gt;`;\n return;\n }\n\n \/\/ --- FLAT RATE CALCULATION (Based on user's instruction) ---\n const fixedMonthlyInterest = P * rMonthly;\n const fixedPrincipalRepayment = P \/ n;\n const monthlyPayment = fixedPrincipalRepayment + fixedMonthlyInterest;\n\n const totalInterest = fixedMonthlyInterest * n; \n const totalPayment = P + totalInterest;\n\n\n \/\/ --- Summary Block HTML Generation ---\n const summaryHTML = `\n \u0026lt;div class=\"summary-grid\"\u0026gt;\n \u0026lt;!-- Monthly Payment Card (Primary Blue) --\u0026gt;\n \u0026lt;div class=\"summary-card card-blue\" style=\"grid-column: span 1 \/ span 1;\"\u0026gt;\n \u0026lt;p class=\"summary-label\"\u0026gt;Monthly Installment\u0026lt;\/p\u0026gt;\n \u0026lt;p class=\"summary-value\"\u0026gt;${currencySymbol} ${formatNumber(monthlyPayment)}\u0026lt;\/p\u0026gt;\n \u0026lt;\/div\u0026gt; \n\n \u0026lt;!-- Total Interest Card (Red\/Light) --\u0026gt;\n \u0026lt;div class=\"summary-card card-red\" style=\"grid-column: span 1 \/ span 1;\"\u0026gt;\n \u0026lt;p class=\"summary-label\"\u0026gt;Total Interest Paid\u0026lt;\/p\u0026gt;\n \u0026lt;p class=\"summary-value\" style=\"color: var(--danger-red);\"\u0026gt;${currencySymbol} ${formatNumber(totalInterest)}\u0026lt;\/p\u0026gt;\n \u0026lt;\/div\u0026gt;\n\n \u0026lt;!-- Total Repayment Card (Green\/Light) --\u0026gt;\n \u0026lt;div class=\"summary-card card-green\" style=\"grid-column: span 2 \/ span 2;\"\u0026gt;\n \u0026lt;p class=\"summary-label\"\u0026gt;Total Repayment\u0026lt;\/p\u0026gt;\n \u0026lt;p class=\"summary-value\" style=\"color: var(--success-green);\"\u0026gt;${currencySymbol} ${formatNumber(totalPayment)}\u0026lt;\/p\u0026gt;\n \u0026lt;\/div\u0026gt;\n\n \u0026lt;!-- Rate\/Term Card (Gray) --\u0026gt;\n \u0026lt;div class=\"summary-card card-gray\" style=\"grid-column: span 2 \/ span 2;\"\u0026gt;\n \u0026lt;p class=\"summary-label\"\u0026gt;Loan Details\u0026lt;\/p\u0026gt;\n \u0026lt;p class=\"summary-value\" style=\"font-size: 1.125rem; font-weight: 600; margin-top: 0.5rem;\"\u0026gt;${monthlyRatePercent.toFixed(1)}% Flat Monthly Rate over ${termYears} Years\u0026lt;\/p\u0026gt;\n \u0026lt;p style=\"font-size: 0.75rem; color: #6b7280; font-style: italic; margin-top: 0.25rem;\"\u0026gt;Interest is calculated on the original principal.\u0026lt;\/p\u0026gt;\n \u0026lt;\/div\u0026gt;\n \u0026lt;\/div\u0026gt;\n `;\n $('output').innerHTML = summaryHTML;\n\n \/\/ --- Amortization Table Logic ---\n\n \/\/ Function to generate a single table row\n const fmtRow = (month, date, payment, interest, principal, balance) =\u0026gt; {\n const rowClass = month % 2 === 0 ? 'background-color: var(--light-bg);' : 'background-color: var(--card-bg);';\n \n \/\/ Use inline style to force color, overriding any external CSS issues\n const interestStyle = `color: #dc2626;`; \/\/ danger-red\n const principalStyle = `color: #1e40af;`; \/\/ primary-blue\n const balanceStyle = balance \u0026lt;= 0.01 \n ? `color: #059669; font-weight: 700;` \/\/ success-green\n : `color: var(--secondary-text);`; \/\/ default gray\n\n return `\n \u0026lt;tr style=\"${rowClass}\"\u0026gt;\n \u0026lt;td style=\"padding: 0.75rem 0.5rem; text-align: center; font-weight: 600; color: var(--primary-blue);\"\u0026gt;${month}\u0026lt;\/td\u0026gt;\n \u0026lt;td style=\"padding: 0.75rem 0.5rem; text-align: center;\"\u0026gt;${date}\u0026lt;\/td\u0026gt;\n \u0026lt;td style=\"padding: 0.75rem 0.5rem; text-align: center;\"\u0026gt;${currencySymbol} ${formatNumber(payment)}\u0026lt;\/td\u0026gt;\n \u0026lt;td style=\"padding: 0.75rem 0.5rem; text-align: center; ${interestStyle}\"\u0026gt;${currencySymbol} ${formatNumber(interest)}\u0026lt;\/td\u0026gt;\n \u0026lt;td style=\"padding: 0.75rem 0.5rem; text-align: center; ${principalStyle}\"\u0026gt;${currencySymbol} ${formatNumber(principal)}\u0026lt;\/td\u0026gt;\n \u0026lt;td style=\"padding: 0.75rem 0.5rem; text-align: right; ${balanceStyle}\"\u0026gt;${currencySymbol} ${formatNumber(balance)}\u0026lt;\/td\u0026gt;\n \u0026lt;\/tr\u0026gt;\n `;\n };\n\n let balance = P;\n let rows = \"\";\n \n for (let i = 1; i \u0026lt;= n; i++) {\n \/\/ Calculate the payment date for the current month\n const paymentDate = new Date(startDateObj.getFullYear(), startDateObj.getMonth() + (i - 1), startDateObj.getDate());\n const formattedDate = formatDate(paymentDate);\n\n let interest = fixedMonthlyInterest;\n let principal = fixedPrincipalRepayment;\n let currentPayment = monthlyPayment;\n\n \/\/ Handle the final payment adjustment (last row) to clear the balance perfectly\n if (i === n) {\n principal = balance; \n interest = fixedMonthlyInterest; \n currentPayment = principal + interest; \n }\n \n balance -= principal;\n if (i === n || balance \u0026lt; 0) { balance = 0; } \n \n rows += fmtRow(i, formattedDate, currentPayment, interest, principal, balance);\n }\n \n \/\/ --- Full Table HTML Generation ---\n const tableHTML = `\n \u0026lt;table class=\"amortization-table\"\u0026gt;\n \u0026lt;thead\u0026gt;\n \u0026lt;tr\u0026gt;\n \u0026lt;th style=\"text-align: center; width: 5%;\"\u0026gt;MO.\u0026lt;\/th\u0026gt;\n \u0026lt;th style=\"text-align: center; width: 20%;\"\u0026gt;DATE\u0026lt;\/th\u0026gt;\n \u0026lt;th style=\"text-align: center; width: 20%;\"\u0026gt;PAYMENT (${currencyCode})\u0026lt;\/th\u0026gt;\n \u0026lt;th style=\"text-align: center; width: 15%; color: white;\"\u0026gt;INTEREST\u0026lt;\/th\u0026gt;\n \u0026lt;th style=\"text-align: center; width: 15%; color: white;\"\u0026gt;PRINCIPAL\u0026lt;\/th\u0026gt;\n \u0026lt;th style=\"text-align: right; width: 25%;\"\u0026gt;BALANCE\u0026lt;\/th\u0026gt;\n \u0026lt;\/tr\u0026gt;\n \u0026lt;\/thead\u0026gt;\n \u0026lt;tbody\u0026gt;${rows}\u0026lt;\/tbody\u0026gt;\n \u0026lt;\/table\u0026gt;\n \u0026lt;p style=\"font-size: 0.75rem; color: #6b7280; text-align: center; margin-top: 1rem;\"\u0026gt;\n Displaying the full ${n} month amortization schedule (scroll left\/right to view all details if needed).\n \u0026lt;\/p\u0026gt;\n `;\n\n $('amortizationSchedule').innerHTML = tableHTML;\n };\n\n \/\/ --- Event Handlers ---\n $('calcBtn').addEventListener('click', calcAmortization);\n \/\/ Recalculate whenever an input value changes\n $('loanAmount').addEventListener('input', calcAmortization);\n $('monthlyRate').addEventListener('change', calcAmortization); \n $('loanTerm').addEventListener('change', calcAmortization);\n $('currency').addEventListener('change', calcAmortization);\n $('startDate').addEventListener('input', calcAmortization);\n\n \/\/ Set default start date to next month\n const today = new Date();\n \/\/ Calculate next month, handling year change\n const nextMonth = new Date(today.getFullYear(), today.getMonth() + 1, today.getDate());\n $('startDate').value = formatDate(nextMonth);\n\n \/\/ Run once on load to show initial results\n calcAmortization();\n})();\n\u0026lt;\/script\u0026gt;\n\n\u0026lt;\/body\u0026gt;\n\u0026lt;\/html\u0026gt;","render_as_iframe":true,"selected_app_name":"HtmlApp","app_list":"{\"HtmlApp\":9172816}"}}},{"type":"Slide","id":"f_b598c62a-0411-41e2-ade0-cf983239ed0b","defaultValue":true,"template_name":"html","components":{"slideSettings":{"type":"SlideSettings","id":"f_8ac43665-b2e1-4884-b223-054e8edb4ea6","defaultValue":true,"show_nav":true,"nameChanged":true,"hidden_section":false,"name":"Highly ","sync_key":null},"text1":{"type":"RichText","id":"f_ecd7bfbe-2bc9-4304-996e-d4f968f1c80c","defaultValue":false,"alignment":null,"value":"","backupValue":null,"version":1,"defaultDataProcessed":true},"text2":{"type":"RichText","id":"f_caafc758-7bb6-4e38-9658-66360cc49c70","defaultValue":false,"alignment":null,"value":"","backupValue":null,"version":1,"defaultDataProcessed":true},"background1":{"type":"Background","id":"f_0ab8e7af-f844-45e9-a6f5-cc49fcd53982","defaultValue":true,"url":"","textColor":"light","backgroundVariation":"","sizing":"cover","videoUrl":"","videoHtml":""},"html1":{"type":"HtmlComponent","id":25821356,"defaultValue":false,"value":"\u0026lt;!DOCTYPE html\u0026gt;\n\u0026lt;html lang=\"en\"\u0026gt;\n\u0026lt;head\u0026gt;\n \u0026lt;meta charset=\"UTF-8\"\u0026gt;\n \u0026lt;meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\"\u0026gt;\n \u0026lt;title\u0026gt;Recent OFW Loan Recipients\u0026lt;\/title\u0026gt;\n \u0026lt;!-- Load Tailwind CSS --\u0026gt;\u0026lt;script src=\"https:\/\/cdn.tailwindcss.com\"\u0026gt;\u0026lt;\/script\u0026gt;\n \u0026lt;!-- Load Inter font --\u0026gt;\u0026lt;link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;500;600;700\u0026amp;display=swap\" rel=\"stylesheet\"\u0026gt;\n \u0026lt;style\u0026gt;\n \/* Use Inter font family *\/\n body {\n font-family: 'Inter', sans-serif;\n }\n \/* Style for the list items *\/\n .borrower-card {\n @apply bg-white p-4 rounded-lg shadow-sm border border-gray-200 transform transition-transform duration-300 hover:shadow-md hover:-translate-y-1;\n }\n \u0026lt;\/style\u0026gt;\n\u0026lt;\/head\u0026gt;\n\u0026lt;!-- UPDATED: Changed background to bg-white --\u0026gt;\u0026lt;body class=\"bg-white\"\u0026gt;\n\n \u0026lt;div class=\"container mx-auto px-4 py-12 max-w-4xl\"\u0026gt;\n \n \u0026lt;!-- UPDATED: Wrapped header in a new bg-white \"card\" to match the content --\u0026gt;\u0026lt;header class=\"bg-white shadow-lg rounded-2xl p-8 md:p-10 mb-8 text-center flex flex-col items-center\"\u0026gt;\n \u0026lt;div class=\"mb-4\"\u0026gt;\n \u0026lt;!-- UPDATED: Removed rounded-lg and shadow-sm classes, and increased height to h-20 --\u0026gt;\u0026lt;img src=\"https:\/\/custom-images.strikinglycdn.com\/res\/hrscywv4p\/image\/upload\/c_limit,fl_lossy,h_300,w_300,f_auto,q_100\/18966138\/461595_266132.png\" alt=\"Company Logo\" class=\"h-20 w-auto\"\u0026gt;\n \u0026lt;\/div\u0026gt;\n \u0026lt;h1 class=\"text-3xl md:text-4xl font-bold text-gray-800\"\u0026gt;Our Valued OFW Clients\u0026lt;\/h1\u0026gt;\n \u0026lt;!-- UPDATED: Capitalized \"Overseas Filipino Workers\" --\u0026gt;\u0026lt;p class=\"mt-3 text-lg text-gray-600\"\u0026gt;We're proud to have supported our Overseas Filipino Workers in achieving their financial goals.\u0026lt;\/p\u0026gt;\n \u0026lt;\/header\u0026gt;\n \u0026lt;!-- END UPDATED HEADER --\u0026gt;\u0026lt;!-- Main Content: Borrower List --\u0026gt;\u0026lt;main\u0026gt;\n \u0026lt;!-- UPDATED: Changed shadow-md to shadow-lg and rounded-xl to rounded-2xl --\u0026gt;\u0026lt;div class=\"bg-white rounded-2xl shadow-lg border border-gray-200 overflow-hidden\"\u0026gt;\n \u0026lt;!-- UPDATED: Added text-center to center the header text --\u0026gt;\u0026lt;div class=\"p-6 bg-gradient-to-r from-indigo-600 to-indigo-700 text-center\"\u0026gt;\n \u0026lt;!-- UPDATED: Changed title text --\u0026gt;\u0026lt;h2 class=\"text-xl font-semibold text-white\"\u0026gt;Recent Successful Applications\u0026lt;\/h2\u0026gt;\n \u0026lt;p class=\"text-sm text-indigo-200 mt-1\"\u0026gt;Showing 10 clients per page. Names are partially masked for privacy.\u0026lt;\/p\u0026gt;\n \u0026lt;\/div\u0026gt;\n \n \u0026lt;!-- Dynamic List Container --\u0026gt;\u0026lt;!-- Added transition classes for fade effect --\u0026gt;\u0026lt;!-- UPDATED: Changed background to bg-white --\u0026gt;\u0026lt;div id=\"borrower-list\" class=\"flex flex-col md:flex-row gap-5 p-6 bg-white transition-opacity duration-500 ease-in-out\"\u0026gt;\n \u0026lt;!-- UPDATED: Added two columns for vertical list flow --\u0026gt;\u0026lt;div id=\"borrower-col-1\" class=\"flex-1 space-y-5\"\u0026gt;\n \u0026lt;!-- Column 1 cards (1-5) --\u0026gt;\u0026lt;\/div\u0026gt;\n \u0026lt;div id=\"borrower-col-2\" class=\"flex-1 space-y-5\"\u0026gt;\n \u0026lt;!-- Column 2 cards (6-10) --\u0026gt;\u0026lt;\/div\u0026gt;\n \u0026lt;\/div\u0026gt;\n\n \u0026lt;!-- Pagination Controls --\u0026gt;\u0026lt;!-- UPDATED: Removed pagination bar --\u0026gt;\u0026lt;\/div\u0026gt;\n \u0026lt;\/main\u0026gt;\n\n \u0026lt;!-- Footer --\u0026gt;\u0026lt;!-- Removed footer as requested --\u0026gt;\u0026lt;\/div\u0026gt;\n\n \u0026lt;!-- JavaScript Logic --\u0026gt;\u0026lt;script\u0026gt;\n document.addEventListener('DOMContentLoaded', () =\u0026gt; {\n\n \/\/ --- 1. DATA ---\n const names = [\n 'Andrei Miguel Santos', 'Anabelle Cruz', 'Benedict Reyes', 'Briana Lopez', 'Carlos Antonio Garcia',\n 'Catherine Fernandez', 'Danilo Perez', 'Darlene Bautista', 'Eduardo Morales', 'Eliza Santiago',\n 'Felix Alberto Navarro', 'Felicity Ramos', 'Gabriel Hernandez', 'Gabrielle Villanueva', 'Harold Ruiz',\n 'Hannah Mendoza', 'Isidro Salazar', 'Ivy Castillo', 'Javier Domingo', 'Janine Tan',\n 'Karlo Medina', 'Katrina Espinoza', 'Leonardo Dela Cruz', 'Liza Macapagal', 'Miguel Rivera',\n 'Maria Lourdes Garcia', 'Nilo Aquino', 'Nina Bautista', 'Oscar Cruz', 'Olivia Santos',\n 'Paolo Gonzales', 'Pia Villanueva', 'Quincy Morales', 'Quinna Santos', 'Rafael De Guzman',\n 'Rhea Flores', 'Santiago Cruz', 'Samantha Reyes', 'Tomas Mendoza', 'Trisha Rivera',\n 'Ulysses Varela', 'Ursula Rojas', 'Vince Bautista', 'Vanessa Santiago', 'Wendell Gonzales',\n 'Wendy Aquino', 'Xander Tan', 'Xenia Villanueva', 'Yves Cabrera', 'Yasmin Mercado'\n ];\n\n \/\/ UPDATED: Expanded country lists\n \/\/ These countries will appear more often (weighted)\n const commonCountries = ['QATAR', 'QATAR', 'QATAR', 'UAE', 'UAE', 'UAE', 'USA', 'USA', 'CANADA', 'CANADA', 'ISRAEL', 'ISRAEL'];\n \/\/ This is the \"worldwide\" list, excluding restricted countries\n const worldwideCountries = [\n 'SAUDI ARABIA', 'JAPAN', 'AUSTRALIA', 'UNITED KINGDOM', 'SINGAPORE', 'SOUTH KOREA', \n 'GERMANY', 'ITALY', 'SPAIN', 'NEW ZEALAND', 'HONG KONG', 'TAIWAN', \n 'MALAYSIA', 'BAHRAIN', 'KUWAIT', 'OMAN'\n ];\n \/\/ The final pool combines both lists, making the common countries more frequent\n const countryPool = commonCountries.concat(worldwideCountries);\n\n \/\/ UPDATED: Added ISO codes for all new countries\n const countryISOCodes = {\n 'QATAR': 'QA',\n 'UAE': 'AE',\n 'USA': 'US',\n 'CANADA': 'CA',\n 'ISRAEL': 'IL',\n 'SAUDI ARABIA': 'SA',\n 'JAPAN': 'JP',\n 'AUSTRALIA': 'AU',\n 'UNITED KINGDOM': 'GB',\n 'SINGAPORE': 'SG',\n 'SOUTH KOREA': 'KR',\n 'GERMANY': 'DE',\n 'ITALY': 'IT',\n 'SPAIN': 'ES',\n 'NEW ZEALAND': 'NZ',\n 'HONG KONG': 'HK',\n 'TAIWAN': 'TW',\n 'MALAYSIA': 'MY',\n 'BAHRAIN': 'BH',\n 'KUWAIT': 'KW',\n 'OMAN': 'OM'\n };\n\n const borrowerData = [];\n const ITEMS_PER_PAGE = 10;\n let currentPage = 1;\n\n \/\/ Constants for auto-scroll\n const AUTO_SCROLL_INTERVAL_MS = 4000; \/\/ 4 seconds\n const FADE_TRANSITION_MS = 500; \/\/ 0.5 seconds (must match CSS)\n\n \/\/ --- 2. HELPER FUNCTIONS ---\n\n function getRandomCountry() {\n return countryPool[Math.floor(Math.random() * countryPool.length)];\n }\n\n function getRandomAmount() {\n \/\/ New weighted pool of \"fixed\" amounts\n \/\/ 200k, 300k, 400k are 3x more likely\n const amountPool = [\n 200000, 200000, 200000,\n 300000, 300000, 300000,\n 400000, 400000, 400000,\n 500000, 600000, 700000, 800000, 900000,\n 1000000, 1200000, 1500000, 1800000,\n 2000000, 2500000, 3000000, 3500000,\n 4000000, 4500000, 5000000\n ];\n return amountPool[Math.floor(Math.random() * amountPool.length)];\n }\n\n function formatCurrency(amount) {\n return new Intl.NumberFormat('en-PH', {\n style: 'currency',\n currency: 'PHP',\n minimumFractionDigits: 0,\n maximumFractionDigits: 0\n }).format(amount);\n }\n\n function maskName(fullName) {\n const parts = fullName.split(' ');\n if (parts.length \u0026gt; 1) {\n const lastName = parts.pop();\n const firstName = parts.join(' ');\n return `${firstName} ${lastName.charAt(0)}.`;\n }\n return fullName;\n }\n\n \/\/ --- 3. DATA GENERATION ---\n\n function generateData() {\n for (const name of names) {\n const country = getRandomCountry(); \/\/ Get a random country\n const isoCode = countryISOCodes[country] || 'un'; \/\/ Get ISO code, fallback to 'un'\n \/\/ FIX: Added missing logic to populate array\n const amount = getRandomAmount();\n borrowerData.push({\n name: maskName(name),\n country: country,\n isoCode: isoCode,\n amount: amount\n });\n }\n } \/\/ FIX: Added missing closing brace\n\n \/\/ FIX: Changed HTML comment to JS comment\n \/\/ --- 4. RENDER LOGIC ---\n\n function renderPage(page) {\n \/\/ UPDATED: Get the two new column elements\n const col1 = document.getElementById('borrower-col-1');\n const col2 = document.getElementById('borrower-col-2');\n if (!col1 || !col2) return;\n\n \/\/ Clear both columns\n col1.innerHTML = '';\n col2.innerHTML = '';\n\n const start = (page - 1) * ITEMS_PER_PAGE;\n const end = start + ITEMS_PER_PAGE;\n const pageItems = borrowerData.slice(start, end);\n\n \/\/ Find the midpoint to split the list\n const halfway = Math.ceil(pageItems.length \/ 2);\n\n for (let i = 0; i \u0026lt; pageItems.length; i++) {\n const item = pageItems[i];\n const card = document.createElement('div');\n card.className = 'borrower-card'; \/\/ \u0026lt;-- Removed space-y-3 from here\n \n \/\/ Updated Card Inner HTML with new layout and SVG icons\n card.innerHTML = `\n \u0026lt;h3 class=\"text-lg font-semibold text-indigo-700\"\u0026gt;${item.name}\u0026lt;\/h3\u0026gt;\n \u0026lt;!-- ADDED: pt-3, mt-3, and border-t to create a professional dividing line --\u0026gt;\u0026lt;div class=\"space-y-2 pt-3 mt-3 border-t border-gray-200\"\u0026gt;\n \u0026lt;div class=\"flex items-center text-sm\"\u0026gt;\n \u0026lt;!-- UPDATED: Replaced emoji with image icon from flagcdn.com --\u0026gt;\u0026lt;img src=\"https:\/\/flagcdn.com\/w20\/${item.isoCode.toLowerCase()}.png\" \n alt=\"${item.country} flag\" \n class=\"mr-2 w-5 h-auto rounded-sm shadow-sm\"\n onerror=\"this.style.display='none'\"\u0026gt; \u0026lt;!-- Hide if image fails to load --\u0026gt;\u0026lt;span class=\"text-gray-600 font-medium\"\u0026gt;${item.country}\u0026lt;\/span\u0026gt;\n \u0026lt;\/div\u0026gt;\n \u0026lt;div class=\"flex items-center\"\u0026gt;\n \u0026lt;svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"h-5 w-5 text-gray-400 mr-2 shrink-0\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"\u0026gt;\n \u0026lt;path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M12 4v1.255a1 1 0 01-.293.707l-6.414 6.414a1 1 0 000 1.414l3.879 3.879a1 1 0 001.414 0l6.414-6.414a1 1 0 01.707-.293V4M3.75 12.375h16.5M12 4.125h.008m-4.008 0h.008m-4.008 0h.008m0 8.25h.008m4.008 0h.008m4.008 0h.008\" \/\u0026gt;\n \u0026lt;\/svg\u0026gt;\n \u0026lt;span class=\"text-xl font-bold text-gray-800\"\u0026gt;${formatCurrency(item.amount)}\u0026lt;\/span\u0026gt;\n \u0026lt;\/div\u0026gt;\n \u0026lt;\/div\u0026gt;\n `;\n \n \/\/ UPDATED: Append to the correct column\n if (i \u0026lt; halfway) {\n col1.appendChild(card);\n } else {\n col2.appendChild(card);\n }\n }\n\n \/\/ Update pagination controls\n updatePaginationControls();\n }\n\n \/** Simplified pagination control - only updates text *\/\n function updatePaginationControls() {\n \/\/ UPDATED: Removed logic for pagination bar\n const totalPages = Math.ceil(borrowerData.length \/ ITEMS_PER_PAGE);\n \/\/ We still need to know the total pages for the auto-scroll\n }\n\n \/\/ --- 5. NEW AUTO-SCROLL LOGIC ---\n\n \/** Handles the automatic page cycling *\/\n function startAutoScroll() {\n setInterval(() =\u0026gt; {\n const listEl = document.getElementById('borrower-list');\n if (!listEl) return;\n\n \/\/ 1. Fade out the list\n listEl.classList.add('opacity-0');\n\n \/\/ 2. Wait for fade-out to finish, then update content\n setTimeout(() =\u0026gt; {\n \/\/ 3. Increment page and loop back to 1 if at the end\n const totalPages = Math.ceil(borrowerData.length \/ ITEMS_PER_PAGE);\n currentPage++;\n if (currentPage \u0026gt; totalPages) {\n currentPage = 1;\n }\n\n \/\/ 4. Render the new page's content (it's still invisible)\n renderPage(currentPage);\n\n \/\/ 5. Fade the list back in\n listEl.classList.remove('opacity-0');\n\n }, FADE_TRANSITION_MS); \/\/ Wait for the fade-out to complete\n\n }, AUTO_SCROLL_INTERVAL_MS); \/\/ Time between page changes\n }\n\n \/\/ --- 6. INITIALIZATION ---\n \n function init() {\n generateData();\n renderPage(currentPage); \/\/ Render the first page\n startAutoScroll(); \/\/ Start the automatic showcase\n }\n\n init(); \/\/ Run the app\n });\n \u0026lt;\/script\u0026gt;\n\u0026lt;\/body\u0026gt;\n\u0026lt;\/html\u0026gt;","render_as_iframe":true,"selected_app_name":"HtmlApp","app_list":"{\"HtmlApp\":9175951}"}}},{"type":"Slide","id":"f_8d5aa4ff-5b72-499d-8c8f-b6e768f22c91","defaultValue":null,"template_name":"featureListE","components":{"slideSettings":{"type":"SlideSettings","id":"f_80bbaf1c-1147-4f7e-92ad-c790b02ed643","defaultValue":null,"show_nav":true,"show_nav_multi_mode":false,"nameChanged":true,"hidden_section":false,"hidden_mobile_section":false,"name":"Testimonials","sync_key":null,"layout_variation":"normal","layout_config":{"noTemplateDiff":true,"card_radius":"small","border_thickness":"small","card_padding":"medium","spacing":"l","subtitleReplaceToText":true,"mediaSize":"xs","horizontal_alignment":"left","layout":"E","border":false,"mediaPosition":"left","showButton":false,"border_color":"#cccccc","card":false,"structure":"grid","card_color":"#ffffff","vertical_alignment":"middle","grid_media_position":"top","columns":"three","content_align":"center"}},"background1":{"type":"Background","id":"f_fedae3bb-9cb6-414b-9831-16dbae47e1d4","defaultValue":true,"url":"","textColor":"light","backgroundVariation":"","sizing":"cover","videoUrl":"","videoHtml":""},"repeatable1":{"type":"Repeatable","id":"f_ed7864ce-79c2-4051-9e18-93d23e52a815","defaultValue":false,"list":[{"type":"RepeatableItem","id":"f_398539b3-0f4e-44a0-a863-5c6d3f8c5c4b","defaultValue":true,"components":{"media1":{"type":"Media","id":"f_2f95fefe-b9e0-4706-8276-d670c7a3676a","defaultValue":true,"video":{"type":"Video","id":"f_10a555eb-849b-4257-b688-08a6211ffda0","defaultValue":true,"html":"","url":"https:\/\/vimeo.com\/18150336","thumbnail_url":null,"maxwidth":700,"description":null},"image":{"type":"Image","id":"f_92c85091-b372-46fa-a4ec-4dfeff8625b0","defaultValue":true,"link_url":"","thumb_url":"!","url":"!","caption":"","description":"","storageKey":"18966138\/216924_821086","storage":"s","storagePrefix":null,"format":"png","border_radius":"","aspect_ratio":"","h":958,"w":958,"s":1274702,"new_target":true,"focus":null},"current":"image"},"text1":{"type":"RichText","id":"f_946050a5-7552-4e27-b7e6-f8b2e611ac10","defaultValue":false,"value":"\u003cdiv class=\"s-rich-text-wrapper\" style=\"display: block;\"\u003e\u003cp class=\"s-text-color-default s-text-color-default s-text-color-default s-rich-text-wrapper s-rich-text-wrapper s-rich-text-wrapper\"\u003e\u003cspan class=\"s-text-color-default\"\u003e\u003cstrong\u003e\"\u003c\/strong\u003e\u003c\/span\u003e\u003cspan class=\"s-text-color-default\"\u003eM\u003c\/span\u003e\u003cspan class=\"s-text-color-default s-rich-text-wrapper\"\u003ey primary responsibility is to ensure that every client\u2019s experience is smooth, professional, and welcoming from the moment they arrive. I view my role as a bridge between the client and the services we offer!\u003c\/span\u003e\u003c\/p\u003e\u003c\/div\u003e","backupValue":null,"version":1,"lineAlignment":{"firstLineTextAlign":null,"lastLineTextAlign":null}},"text2":{"type":"RichText","id":"f_5f54e3d4-c908-4886-9377-f0b8359461af","defaultValue":false,"alignment":null,"value":"\u003cdiv class=\"s-rich-text-wrapper\" style=\"display: block;\"\u003e\u003cp class=\" s-text-color-default s-rich-text-wrapper\"\u003e\u003cspan class=\"s-text-color-default\"\u003e\u2014\u003c\/span\u003e\u003cspan class=\"s-text-color-default s-rich-text-wrapper\"\u003eJulieta Soltes\u003c\/span\u003e\u003c\/p\u003e\u003c\/div\u003e","backupValue":null,"version":1,"lineAlignment":{"firstLineTextAlign":null,"lastLineTextAlign":null},"defaultDataProcessed":true},"button1":{"type":"Button","id":"f_b51e91b8-2e23-4e54-95c8-676f7be1ea87","defaultValue":false,"alignment":"auto","text":"Read More","size":"small","mobile_size":"automatic","style":"","color":"","font":"","url":"","new_target":null}}},{"type":"RepeatableItem","id":"f_04f5e942-b46b-49f5-8645-2ef3436e48c6","components":{"media1":{"type":"Media","id":"f_851f85c0-d508-415f-b2e4-cacddae65a2f","defaultValue":true,"video":{"type":"Video","id":"f_6978c5fb-9de9-48e5-915e-eb3c28f921e0","defaultValue":true,"html":"","url":"https:\/\/vimeo.com\/18150336","thumbnail_url":null,"maxwidth":700,"description":null},"image":{"type":"Image","id":"f_6aaeee0f-a529-458d-986b-281de3561453","defaultValue":true,"link_url":"","thumb_url":"!","url":"!","caption":"","description":"","storageKey":"18283129\/496191_851634","storage":"s","storagePrefix":null,"format":"png","border_radius":"","aspect_ratio":"","h":960,"w":960,"s":1085571,"new_target":true,"focus":null},"current":"image"},"text1":{"type":"RichText","id":"f_aa708278-e111-42e2-94b5-0505cf3a90d5","defaultValue":false,"value":"\u003cdiv class=\"s-rich-text-wrapper\" style=\"display: block;\"\u003e\u003cp class=\"s-rich-text-wrapper s-rich-text-wrapper s-rich-text-wrapper s-rich-text-wrapper s-rich-text-wrapper\" style=\"text-align: left; font-size: 16px;\"\u003e\u003cspan style=\"color: #1d2023;\"\u003e\u003cstrong\u003e\"\u003c\/strong\u003e\u003c\/span\u003eAs a Loan Assistant, my role is to guide clients through the loan application process with efficiency and care, and ensure that each step is completed smoothly. 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Whether you're applying for a personal loan, home loan, or business financing, I\u2019m here to provide full support. 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Check our eligibility criteria for more details.\u003c\/p\u003e\u003c\/div\u003e","backupValue":null,"version":1,"lineAlignment":{"firstLineTextAlign":null,"lastLineTextAlign":null},"defaultDataProcessed":true}}},{"type":"RepeatableItem","id":"f_9f7c9127-a5a4-4acb-b69d-9938b130116f","components":{"text1":{"type":"RichText","id":"f_576f0b9e-2bde-42cf-8a6a-cdbe16599e60","defaultValue":false,"alignment":null,"value":"\u003cdiv class=\"s-rich-text-wrapper\" style=\"display: block;\"\u003e\u003ch3 class=\"s-rich-text-wrapper font-size-tag-header-three s-text-font-size-over-default s-rich-text-wrapper s-rich-text-wrapper s-rich-text-wrapper s-rich-text-wrapper s-rich-text-wrapper s-rich-text-wrapper s-rich-text-wrapper s-rich-text-wrapper\" style=\"font-size: 24px;\"\u003e\u003cstrong\u003eWhat are the necessary documents for a loan application?\u003c\/strong\u003e\u003c\/h3\u003e\u003c\/div\u003e","backupValue":null,"version":1,"lineAlignment":{"firstLineTextAlign":null,"lastLineTextAlign":null}},"text2":{"type":"RichText","id":"f_2c613c86-8748-4edd-9c18-19afd87f4431","defaultValue":false,"alignment":null,"value":"\u003cdiv class=\"s-rich-text-wrapper\" style=\"display: block;\"\u003e\u003cp class=\"s-rich-text-wrapper\"\u003e\u003cstrong\u003e-\u003c\/strong\u003eYou'll need:\u003c\/p\u003e\u003cul\u003e\u003cli\u003eA valid government-issued ID\u003c\/li\u003e\u003cli\u003eProof of income or payslip\u003c\/li\u003e\u003cli\u003eFilled-out loan application form (available online).\u003c\/li\u003e\u003c\/ul\u003e\u003c\/div\u003e","backupValue":null,"version":1}}},{"type":"RepeatableItem","id":"f_aff91a2f-d185-44d0-a1bb-84f01a4f8eff","defaultValue":true,"components":{"text1":{"type":"RichText","id":"f_59feedda-47eb-466e-be89-4bf807b69169","defaultValue":false,"alignment":null,"value":"\u003cdiv class=\"s-rich-text-wrapper\" style=\"display: block;\"\u003e\u003ch3 class=\"s-rich-text-wrapper font-size-tag-header-three s-text-font-size-over-default s-rich-text-wrapper s-rich-text-wrapper s-rich-text-wrapper s-rich-text-wrapper s-rich-text-wrapper\" style=\"font-size: 24px;\"\u003e\u003cstrong\u003eHow long does it take to approve a loan?\u003c\/strong\u003e\u003c\/h3\u003e\u003c\/div\u003e","backupValue":null,"version":1,"lineAlignment":{"firstLineTextAlign":null,"lastLineTextAlign":null}},"text2":{"type":"RichText","id":"f_941754a4-6acd-405e-8f18-a061ded5c171","defaultValue":false,"alignment":null,"value":"\u003cdiv class=\"s-rich-text-wrapper\" style=\"display: block;\"\u003e\u003cp class=\"s-rich-text-wrapper s-rich-text-wrapper\"\u003eOnce you submit all necessary documents, we process loans within 24 hours. For any additional requirements, our team will notify you promptly.\u003c\/p\u003e\u003c\/div\u003e","backupValue":null,"version":1}}},{"type":"RepeatableItem","id":"f_2f30a653-4944-4469-b8e8-b07e117d750a","components":{"text1":{"type":"RichText","id":"f_683e70db-5902-4fca-8991-4490da063004","defaultValue":false,"alignment":null,"value":"\u003cdiv class=\"s-rich-text-wrapper\" style=\"display: block;\"\u003e\u003ch3 class=\" s-rich-text-wrapper font-size-tag-header-three s-text-font-size-over-default\" style=\"font-size: 24px;\"\u003e\u003cstrong\u003eAre there any hidden fees or charges?\u003c\/strong\u003e\u003c\/h3\u003e\u003c\/div\u003e","backupValue":null,"version":1,"lineAlignment":{"firstLineTextAlign":null,"lastLineTextAlign":null},"defaultDataProcessed":true},"text2":{"type":"RichText","id":"f_ad2de22e-f427-483e-8ffb-76c28e6d309f","defaultValue":false,"alignment":null,"value":"\u003cdiv class=\"s-rich-text-wrapper\" style=\"display: block;\"\u003e\u003cp class=\" s-rich-text-wrapper\"\u003eTransparency is our policy. There are no hidden fees loan terms.\u003c\/p\u003e\u003c\/div\u003e","backupValue":null,"version":1,"defaultDataProcessed":true}}},{"type":"RepeatableItem","id":"f_c3413792-eca7-4572-9a8d-180e4425b3f1","components":{"text1":{"type":"RichText","id":"f_c0f46fed-7ac9-4f2d-835e-11293fc2d8f3","defaultValue":false,"alignment":null,"value":"\u003cdiv class=\"s-rich-text-wrapper\" style=\"display: block;\"\u003e\u003ch3 class=\"s-rich-text-wrapper font-size-tag-header-three s-text-font-size-over-default s-rich-text-wrapper s-rich-text-wrapper s-rich-text-wrapper s-rich-text-wrapper s-rich-text-wrapper\" style=\"font-size: 24px;\"\u003e\u003cstrong\u003eWhat types of loans do you offer?\u003c\/strong\u003e\u003c\/h3\u003e\u003c\/div\u003e","backupValue":null,"version":1,"lineAlignment":{"firstLineTextAlign":null,"lastLineTextAlign":null}},"text2":{"type":"RichText","id":"f_0499a1fb-ab14-4a34-a4ab-86c0753f433d","defaultValue":false,"alignment":null,"value":"\u003cdiv class=\"s-rich-text-wrapper\" style=\"display: block;\"\u003e\u003cp class=\"s-rich-text-wrapper s-rich-text-wrapper\"\u003eWe provide a wide range of loans, including:\u003c\/p\u003e\u003cul\u003e\u003cli\u003eStudent Loans\u003c\/li\u003e\u003cli\u003ePersonal Loans\u003c\/li\u003e\u003cli\u003eBusiness Loans\u003c\/li\u003e\u003cli\u003eEmergency Loans\u003c\/li\u003e\u003cli\u003eDebt Consolidation Loans.\u003c\/li\u003e\u003c\/ul\u003e\u003c\/div\u003e","backupValue":null,"version":1}}},{"type":"RepeatableItem","id":"f_157bc653-7244-4432-89b9-b9a3b6e45387","components":{"text1":{"type":"RichText","id":"f_3ea17df1-0917-4712-a156-0c63a4138f74","defaultValue":false,"alignment":null,"value":"\u003cdiv class=\"s-rich-text-wrapper\" style=\"display: block;\"\u003e\u003ch3 class=\"s-rich-text-wrapper font-size-tag-header-three s-text-font-size-over-default s-rich-text-wrapper s-rich-text-wrapper s-rich-text-wrapper s-rich-text-wrapper s-rich-text-wrapper s-rich-text-wrapper\" style=\"font-size: 24px;\"\u003e\u003cstrong\u003eHow secure is my personal and financial information?\u003c\/strong\u003e\u003c\/h3\u003e\u003c\/div\u003e","backupValue":null,"version":1,"lineAlignment":{"firstLineTextAlign":null,"lastLineTextAlign":null}},"text2":{"type":"RichText","id":"f_bb7e021b-c646-41ac-bfa9-731a3b8efb09","defaultValue":false,"alignment":null,"value":"\u003cdiv class=\"s-rich-text-wrapper\" style=\"display: block;\"\u003e\u003cp class=\"s-rich-text-wrapper s-rich-text-wrapper s-rich-text-wrapper\"\u003eYour privacy is our priority. 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          • Your Trusted Online Lending Partner for OFWs

          • RJCT CREDIT EXPRESS FINANCE CORP.

            We pride ourselves on being a trusted leader in financial solutions for OFWs and beyond. Since 2023, our commitment has been to make borrowing simple, quick, and personalized to your unique needs. With competitive rates, easy approval processes, and excellent customer support, we strive to be the financial partner you can count on.

          • Our Services

            We specialize in offering a variety of financial solutions tailored to our clients' diverse needs, including Student Loans, Personal Loans, Business Loans, Emergency Loans, and Debt Consolidation Loans, as detailed below

            Student Loan

            Want to study? No problem. With us, you can get a student loan NOW and start paying back only once you finish your study and get a job. Amazing, right?

            The Student Loan is based on your merit and academic performances. So, all you need is to study hard, whether it’s your bachelor, master or vocational training.

            We offer 3 ways of repaying the loan. You can choose to pay nothing before graduating, to pay only the interest during your studies, or to start repaying the loan immediately.

            •Duration: up to 5 years, can be flexible

            •Interest rate: only 0.3% per month

            •No collateral needed, only your academic performance is taken into account

            Personal Loan

            Loans provided in pesos or other currencies via our network of branches, with repayments starting from 0.3% per month, calculated using the amortizing balance method.

            Loan size is based on the capability of reimbursement.

            Advantages:

            • Consult with our staff who will help you decide on your loan.

            • Free choice of currency, either pesos or others.

            • A competitive interest rate, calculated via the amortizing balance method.

            • Borrow and repay loans with our agent.

            • Flexible loan duration and repayment plans catered to suit you.

            Business loan

            We provide loans for business purposes ranging from start-ups to corporate expansions, in fields from agriculture to IT. Our Business Loans are a popular way for small- and medium-scale entrepreneurs to gain access to the capital they need.

            Members can apply for a loan of any amount (under certain conditions) by using the amortization balance method with flexible repayment.

            Advantages:

            • Choose between pesos or others.

            • A competitive interest rate, calculated based on amortizing balance method.

            • Borrow and repay loan thru our agent service provider.

            • Flexible loan duration and repayment plans to fit your business requirements.

            Emergency Loan

             

            Emergency Loans were developed to reward our loyal customers by offering assistance in dealing with any unexpected and urgent situations, including accidents, health issues, deaths or any other emergency. The loan is fast, convenient and dispersed based on the situation.

            Debt Consolidation Loan

            • Have you accumulated several debts?

            • Are you paying back 2, 3 or 4 installments every month?

            • Different rates, different durations… are you lost in all the numbers?

            • Is there a way to pay less?

            • At here we can combine all your credits into one single figure, easing the burden on your budget and increasing your purchasing power.

          • CALCULATE YOUR LOAN PAYMENTS

            Get an instant breakdown of your loan installments

          • Our Top Assistant Teams of 2025

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            "My primary responsibility is to ensure that every client’s experience is smooth, professional, and welcoming from the moment they arrive. I view my role as a bridge between the client and the services we offer!

            —Julieta Soltes

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            "As a Loan Assistant, my role is to guide clients through the loan application process with efficiency and care, and ensure that each step is completed smoothly. My goal is to make the loan process as easy and transparent as possible!

            —Maria Theresa Santos

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            "As your Loan Assistant, I’m committed to making the loan process as smooth and stress-free as possible. Whether you're applying for a personal loan, home loan, or business financing, I’m here to provide full support. I’ll guide you through every step!

            — Jessica Mae Hernandez

          • FAQs

            Your Questions Answered: Explore How We Simplify Lending

          • Contact

            F3, Damosa Diamond Tower, Damosa, Lanang, Davao City, 8000, Davao del Sur, Philippines.
            Mon-Sun - 10:00 AM to 10:00 PM
            +63-962 803 2533
            +63-962 803 2533
            rjctcreditexpressfinancecorp1@gmail.com
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