PNB – loan
PNB personal loans up to ₱500,000 with competitive bank rates
Applying does not commit you to any contract.
Philippine National Bank (PNB) is one of the oldest and most established commercial banks in the Philippines, with over 700 branches nationwide. PNB offers personal loans from ₱10,000 to ₱500,000 at interest rates starting from 1.25% per month, with repayment terms of 12 to 36 months. Loans can be used for any personal purpose including medical expenses, home improvement, education, or debt consolidation.
PNB personal loan applicants must be Filipino citizens aged 21 to 65, with a minimum gross monthly income of ₱15,000. Required documents include a valid ID, proof of income (payslips for the last 3 months and Certificate of Employment), and proof of billing. Existing PNB account holders may enjoy faster processing and preferential rates. Approval typically takes 3-5 banking days from submission of complete requirements.
As a BSP-regulated commercial bank, PNB offers stronger consumer protection and lower rates than most online lenders. However, requirements are more stringent and processing takes longer. If you need money urgently, consider an online lender first and refinance with a bank later at a lower rate. Compare PNB against other bank loans on CoolFinance.ph.
✓ Pros
- BSP-regulated bank with 700+ branches nationwide
- Competitive rates from 1.25% per month
- Larger loan amounts up to ₱500,000
- Up to 36 months repayment term
✗ Cons
- 3-5 banking days approval — not suitable for urgent needs
- Strict income and employment requirements
- Minimum gross income of ₱15,000/month required
Loan example
Example: Borrow ₱100,000 for 24 months at 1.25% per month = approx. ₱5,042 monthly payment. Total repayable: ₱120,997.
Loan requirements
- ✓ Valid government-issued ID
- ✓ Certificate of Employment and 3 months payslips
- ✓ ITR (Income Tax Return) for the past year
- ✓ Proof of billing (utility bill or bank statement)
- ✓ Minimum gross income: ₱15,000/month
Loan features
- Loan amounts: ₱10,000 to ₱500,000
- Interest from 1.25% per month
- Terms: 12 to 36 months
- Available at 700+ PNB branches and online
- BSP-regulated bank loan
Frequently asked questions
3-5 banking days after submitting the application.
The minimum amount at PNB is ₱10K.