Agimat Loyalty Program

"Ang Tataramon ay Puhunan" — Your Word is your Capital.

How It Works

On-time payment

Every day you pay on time adds to your score

+10 XP

Missed payment

Missed days reduce your score — consistency matters

-20 XP

Your XP Grows Your Loan Limit

Starting limit: PHP 5,000. Every 500 XP you earn adds PHP 2,000 to your maximum borrowing limit. The more consistent you are, the bigger your opportunity.

Standard Tier

Loans up to ₱50K

10%/month

✓Loan terms: 30 or 60 days
✓90-120 days if principal ≥ ₱20K
✓CLIP / Alaga Shield access
✓CBU earns 1% monthly interest
✓Referral reward: ₱200 + 30 XP
✓XP to voucher: 1000 XP = ₱200
✗Priority loan renewal

Loyalty Tier

₱51K – ₱150K

8%/month

✓Loan terms: 90, 120, or 180 days
✓Option for shorter term if capable
✓CLIP / Alaga Shield access
✓CBU earns 1.25% monthly interest
✓Referral reward: ₱200 + 30 XP
✓XP to voucher: 1000 XP = ₱200
✓Priority loan renewal (no buffer)
✓Loyalty Card delivered by collector

VIP Tier

₱151K+

5%/month

✓Terms: 240, 360, 720, 1440, 2880 days
✓Option for shorter term if capable
✓CLIP / Alaga Shield access
✓CBU earns 1.5% monthly interest
✓Referral reward: ₱200 + 30 XP
✓XP to voucher: 1000 XP = ₱200
✓Priority loan renewal (no buffer)
✓VIP Card + Founder personal visit

XP to Voucher Conversion

Turn your earned XP into real value. Available to all tiers.

1,000 XP

converts to

₱200 voucher

2,000 XP

converts to

₱400 voucher

5,000 XP

converts to

₱1,000 voucher

How to redeem:

Request through your collector or via the borrower portal. Vouchers can be applied as credit toward your next loan's service fee, or received as GCash/cash.

Tier Comparison

PerkStandardLoyaltyVIP
Interest Rate10%/mo8%/mo5%/mo
Loan LimitUp to ₱50K₱51K–₱150K₱151K+
Loan Terms30, 60d (90-120d if ≥₱20K)90, 120, 180d240–2,880d
Flexible Shorter Term—✓✓
CBU Interest1%/mo1.25%/mo1.5%/mo
CLIP / Alaga Shield✓✓✓
Priority Loan Renewal—✓✓
Referral Reward₱200 + 30XP₱200 + 30XP₱200 + 30XP
XP to Voucher1000 = ₱2001000 = ₱2001000 = ₱200
Physical Card—Loyalty CardVIP Card
Founder Visit——✓

XP Simulator

Total XP:600 XP
Loan Limit:PHP 7,000

Standard Tier (10%/month)

CBU — Capital Build-Up

Your savings with Kabuhayan. Earns 1%+ interest per cycle with a growth simulator.

Learn About CBU →

Borrower Milestones

MilestoneRewardDelivery
1st Loan CompletedWelcome Kit: Ledger Card holder + branded tote bagIn person at Final Clearance
1st Loan — Zero Misses₱50 GCash + VIP star sticker on Ledger CardGCash same day
Loyalty Tier UnlockedLoyalty Card₱100 GCash + congratulations visitWithin 24 hours
VIP Tier UnlockedVIP Card₱200 GCash + Founder personal visitWithin 24 hours + 3 days
3rd Loan Completed₱75 service fee credit on Loan 4 (saves ₱75 of ₱150)Auto-applied in app
5th Loan Completed₱150 GCash + Kabuhayan Partner Certificate (printed, signed)Within 24 hours
10th Loan Completed₱500 GCash + Engraved Plaque + free service fee on Loan 11Founder delivers personally
First Referral Confirmed₱200 referral reward + Agimat XP bonusVia GCash or CBU credit
5 Referrals Confirmed₱500 GCash + "Kabuhayan Ambassador" recognitionWithin 3 days