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Sorry for the long post. :) Hope someone someone can answer me. Thank you. Reply To: OFW Loan No Co Maker. Hi Maricar, here are three leading banks that offer multi-purpose personal loans to OFWs with no co-maker, no collateral, and low interest rates: Banco De Oro (BDO) Asenso Kabayan Program. The Personal Loan for OFW is offered against hold-out on Joint or Individual account deposits maintained with BDO as security.