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Loan Types

Lighthouse provides fast, fair, and transparent loans for both Land-Based OFWs and Seafarers. Whether you are about to depart, renewing your contract, or currently employed, we offer tailored loan solutions that respect your work, your schedule, and your family’s needs.

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Departing
Land-Based OFW or
Seafarer Loan

​​​ ✔  Financial support before you leave

       the country for work​

 ✔  The Departing Land-Based OFW

      or Seafarer Loan is designed for   

      OFWs who are about to leave for

      their next contract and need funds

      for: ​​

​

  • Family support before embarkation

  • Personal obligations prior to departure

  • Emergency or short-term financial needs

  • Home construction or repairs

  • Children’s tuition

  • Business investments/expansion

​​​

⭐ Key Features​

  • Available to active, documented OFWs

  • Structured repayment aligned with contract duration

  • Clear repayment schedule and disclosures upfront

​​​

👤 Best For​

  • OFWs with confirmed deployment and validated contracts

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Balik Manggagawa Loan

​

✔ Designed for Land-Based OFWs

    who are on vacation in the       

    Philippines

​

👤 Eligible Borrowers:

  • OFWs with a confirmed contract renewal or extension from their current overseas employer

  • OFWs currently on vacation in the Philippines with an active overseas employment contract

  • Direct-hire OFWs employed by international employers

​

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Renewal Loan

​

✔ Designed for our returning or         

     repeat clients​ who have good     

     payment history

​

⭐ Key Features

  • Flexible evaluation based on your repayment history with Lighthouse

  • Faster processing since you already have a record with us

 

👤 Best For

  • Repeat clients

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Onboard Loan /

Allottee Loan

​

✔ Financial access while you’re at

    employed

✔ Currently onboard/abroad and

    unable to visit our office? The     

    Onboard Loan allows your

    authorized Allottee or Co-Maker to

    process the loan on your behalf.​

​

How it works:​

  • Loan is processed through your authorized co-maker.

    • if married, spouse or child

    • if single, parent or sibling

    • if live-in partner, with proof of relationship

 

Important Notes

  • Requires proper authorization and documentation

  • Final approval subject to verification

 

👤 Best For

  • OFWs currently onboard/abroad

  • Those with a reliable co-maker in the Philippines

How can we help?

We understand that OFWs often face unstable income schedules due to the nature of their employment. Our loans help bridge funding gaps  to support family needs, cover emergencies, or finance personal goals such as home improvement, education, or business investments. 

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