Fund your personal expenses and
pay for them in easy monthly installments
pay for them in easy monthly installments
PNB Personal Loan
A loan facility that can be used to fund your personal expenses that is amortized over a fixed term. Here are the salient features:
- Loanable amount up to Php 2 million (subject to approval)
- Flexible terms from 3 to 60 months
- No collateral needed
- Low monthly add-on interest rate
PNB Personal Loan Loan
A loan facility that can be used to fund your personal expenses that is amortized over a fixed term. Here are the salient features:
- Loanable amount up to Php 2 million (subject to approval)
- Flexible terms from 3 to 60 months
- No collateral needed
- Low monthly add-on interest rate
How To Apply For a PNB Personal Loan
|
|
Download and fill-out
loan application form |
|
|
Prepare other requirements (Valid I.D.,
income documents, proof of billing) |
|
|
Go to the nearest PNB branch
or send requirements to PNB-CFS-PLRetail@pnb.com.ph |
How to Apply for a PNB Personal Loan
|
|
Download and fill-out
loan application form |
|
|
Prepare other requirements (Valid I.D.,
income documents, proof of billing) |
|
|
Go to the nearest PNB branch
or send requirements to PNB-CFS-PLRetail@pnb.com.ph |
Eligibility |
|
Loan Purpose |
| You can borrow from P 10,000 to P2,000,000 using the PNB Personal Loan. The following shall be the accepted purpose in availing the product: |
|
Eligibility |
|
Loan Purpose |
| You can borrow from P 10,000 to P2,000,000 using the PNB Personal Loan. The following shall be the accepted purpose in availing the product: |
|
FREQUENTLY ASKED
|
|
FREQUENTLY ASKED QUESTIONS |
Frequently Asked Questions
1. Am I qualified?
The PNB Personal Loans can be availed if you are:
- Professionals, employed/ self-employed individuals earning a minimum annual GROSS income of P120,000
- From 21-65 years old
2. What are the PNB Personal Loan requirements?
Upon your PNB Branch visit, kindly prepare and submit the following documents:
- PNB Personal Loan Application Form with Auto-Debit Arrangement (ADA) Enrollment Form
- One (1) Valid Identification Document (ID) with your signature and photo
- Income Documents
- Proof of Residence/Proof of Billing
3. Where can I use my PNB Personal Loan?
The following shall be the accepted purposes in availing the PNB-PL:
- Medical expenses
- Education / Tuition Fees
- House renovation
- Purchase of appliances, furniture and other household needs
- Vacation trips
- Other personal needs
4. What is the allowed loanable amount and tenor?
Apply for a PNB Personal Loan from Php 10,000 – Php 2,000,000 that can be amortized from 3, 6, 12, 18, 24 or 36 mos. (below P500k) and up to 48 or 60 mos. (P500k and above).
5. Where will the Bank credit my loan proceeds?
The approved loan proceeds shall be credited to your nominated PNB account.
6. How can I repay my monthly amortization?
You may repay your monthly amortization through Auto Debit Arrangement (ADA) via your nominated PNB account or through Post Dated Checks (PDCs).
7. How much is the monthly add-on rate/interest?
Monthly add-on interest rate is from 1%-2%.
8. What is the difference between Personal Installment Card (PIC) and the new Personal Loan product?
The PIC is a virtual credit card product which allows Cardholders to perform cash availment up to 100% of the assigned credit limit, on installment basis. On the other hand, Personal Loan will allow the clients to borrow from P 10,000 – P 2,000,000 that will be credited to their PNB Savings Account.
9. What will happen if I have an existing Personal Installment Credit Card (PIC)?
All existing PIC borrowers shall continuously pay their monthly dues/outstanding balance using the usual mode of payment. They will not be replaced nor transferred to the new Personal Loan product.
After full settlement of the PIC outstanding balance, borrowers may now apply the PNB Personal Loan product.
10. Do I need to be a PNB Credit Cardholder to avail a Personal Loan?
No. You can apply for a PNB Personal Loan even if you are not a PNB Credit Cardholder.
11. Where can I call or e-mail for any PNB Personal Loan related concerns?
You may call at PNB Customer Care 24/7 Hotline at +632-8573-8888 or send an e-mail at customercare@pnb.com.ph
Frequently Asked Questions
1. Am I qualified?
The PNB Personal Loans can be availed if you are:
- Professionals, employed/ self-employed individuals earning a minimum annual GROSS income of P120,000
- From 21-65 years old
2. What are the PNB Personal Loan requirements?
Upon your PNB Branch visit, kindly prepare and submit the following documents:
- PNB Personal Loan Application Form with Auto-Debit Arrangement (ADA) Enrollment Form
- One (1) Valid Identification Document (ID) with your signature and photo
- Income Documents
- Proof of Residence/Proof of Billing
3. Where can I use my PNB Personal Loan?
The following shall be the accepted purposes in availing the PNB-PL:
- Medical expenses
- Education / Tuition Fees
- House renovation
- Purchase of appliances, furniture and other household needs
- Vacation trips
- Other personal needs
4. What is the allowed loanable amount and tenor?
Apply for a PNB Personal Loan from Php 10,000 – Php 2,000,000 that can be amortized from 3, 6, 12, 18, 24 or 36 mos. (below P500k) and up to 48 or 60 mos. (P500k and above).
5. Where will the Bank credit my loan proceeds?
The approved loan proceeds shall be credited to your nominated PNB account.
6. How can I repay my monthly amortization?
You may repay your monthly amortization through Auto Debit Arrangement (ADA) via your nominated PNB account or through Post Dated Checks (PDCs).
7. How much is the monthly add-on rate/interest?
Monthly add-on interest rate is from 1%-2%.
8. What is the difference between Personal Installment Card (PIC) and the new Personal Loan product?
The PIC is a virtual credit card product which allows Cardholders to perform cash availment up to 100% of the assigned credit limit, on installment basis. On the other hand, Personal Loan will allow the clients to borrow from P 10,000 – P 2,000,000 that will be credited to their PNB Savings Account.
9. What will happen if I have an existing Personal Installment Credit Card (PIC)?
All existing PIC borrowers shall continuously pay their monthly dues/outstanding balance using the usual mode of payment. They will not be replaced nor transferred to the new Personal Loan product.
After full settlement of the PIC outstanding balance, borrowers may now apply the PNB Personal Loan product.
10. Do I need to be a PNB Credit Cardholder to avail a Personal Loan?
No. You can apply for a PNB Personal Loan even if you are not a PNB Credit Cardholder.
11. Where can I call or e-mail for any PNB Personal Loan related concerns?
You may call at PNB Customer Care 24/7 Hotline at +632-8573-8888 or send an e-mail at customercare@pnb.com.ph
|
FEES AND CHARGES |
FEES AND CHARGES |
Fees and Charges
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Processing fee
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P 1,500 to be deducted from loan proceeds
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|
Documentary stamp tax
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P1.50 for every P200 approved loan amount or fraction thereof. Applicable for approved loan amount of P250,000 and above – to be deducted on loan proceeds
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Late Payment fee
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P500 or 5% of the overdue balance, whichever is higher
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Early Settlement Handling Fee/Service Fee
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P500 or 5%, whichever is higher (computed based on the outstanding balance)
|
|
Returned PDC Fee
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Php 1,500
|
Fees and Charges
|
Processing fee
|
P 1,500 to be deducted from loan proceeds
|
|
Documentary stamp tax
|
P1.50 for every P200 approved loan amount or fraction thereof. Applicable for approved loan amount of P250,000 and above – to be deducted on loan proceeds
|
|
Late Payment fee
|
P500 or 5% of the overdue balance, whichever is higher
|
|
Early Settlement Handling Fee/Service Fee
|
P500 or 5%, whichever is higher (computed based on the outstanding balance)
|
|
Returned PDC Fee
|
Php 1,500
|
ACCEPTABLE ID’S |
|
ACCEPTABLE ID’S |
Acceptable IDs
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Primary IDs
|
Secondary IDs
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Primary – any one (1) of the following:
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Secondary – any one (2) of the following:
|
Acceptable IDs
|
Primary IDs
|
Secondary IDs
|
|
Primary – any one (1) of the following:
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Secondary – any one (2) of the following:
|
Customer Care Contacts
Cards Hotline
(+632) 8818 9818
1800 10 8189818 (Domestic Toll Free)
Bank Hotline
(+632) 8573 8888
Cards Email: pnbcreditcards@pnb.com.ph
Bank Email: customercare@pnb.com.ph
Follow Us
Download our App
Address: Philippine National Bank Financial Center Pres. Diosdado Macapagal Boulevard, Pasay City, Philippines 1300
Trunkline: (+632) 8526 3131 to 70; (+632) 8891 6040 to 70
Deposits are insured by PDIC up to P500,000 per depositor.
PNB is regulated by the Bangko Sentral ng Pilipinas
https://www.bsp.gov.ph
https://www.bsp.gov.ph
BSP Webchat - https://www.bsp.gov.ph
SMS: 021582277 (for Globe subscribers only)
BSP Facebook - https://www.facebook.com/
BangkoSentralngPilipinas
SMS: 021582277 (for Globe subscribers only)
BSP Facebook - https://www.facebook.com/
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Bank Hotline
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Cards Email: pnbcreditcards@pnb.com.ph
Bank Email: customercare@pnb.com.ph
Follow Us
Download our App
Address: Philippine National Bank Financial Center Pres. Diosdado Macapagal Boulevard, Pasay City, Philippines 1300
Trunkline: (+632) 8526 3131 to 70; (+632) 8891 6040 to 70
Deposits are insured by PDIC up to P500,000 per depositor.
PNB is regulated by the Bangko Sentral ng Pilipinas
https://www.bsp.gov.ph
https://www.bsp.gov.ph
BSP Webchat - https://www.bsp.gov.ph
SMS: 021582277 (for Globe subscribers only)
BSP Facebook - https://www.facebook.com/BangkoSentralngPilipinas
SMS: 021582277 (for Globe subscribers only)
BSP Facebook - https://www.facebook.com/BangkoSentralngPilipinas
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