


Lets members purchase the latest gadgets with convenient terms and affordable monthly payments.
Being a member gives you priority. If you're already part of NOVADECI and your account is in good standing, you are eligible to avail of the Gadgets Loan product among the cooperative's loan offerings.
Because it's a coop, NOVADECI aims to help its members—not just earn profit. That can translate into more reasonable interest, fewer hidden fees, and fairer repayment options.
Service Fee: 0.25% (≤ 11 months); 3% (12 to 60 months) Add-On
Collection Fee: 0.25%/month; 3% max
Ready to apply? Just a few easy steps—see if you qualify!
1. Complete the Application Form
Fill out the application form and read through the terms and conditions.
2. Prepare Required Documents
Prepare photo copies of the necessary supporting documents.
3. Submit Your Application to the nearby NOVADECI Branch & Offices
Submit the application form and wait for the process of Account Officer