PNB Loan Personal: Requirements, Application, Interest Rate and Offers

PNB Loan Personal: Requirements, Application, Interest Rate and Offers

What is PNB?

Philippine National Bank or PNB allows you to buy bank financial products and loans such as housing and auto loans. This bank is considered to be one of the largest in the Philippines since it was established way back the American Era. The aim of this bank is to continually provide the best bank and customer experience to all Filipinos locally and internationally.

PNB loan, how does it work?

Aside from their cost-efficient products like savings account, checking account, and time deposit, Philippine National Bank also offers different types of loans anyone might need.

Loan products

The following are the loan products offered by the bank:

Personal loan

The PNB personal loans are offered in low rates for customers who has good credit history and for those who has existing bank account with them.

Loan for business

PNB loans capital for businesses – small to medium enterprise. They can use the money for acquisition of goods or services, expansion, debt consolidation, or any working capital requirements a startup business might need. The PNB business loan has a reimbursement period of 2 to 7 years.

Loan for OFW

If an OFW wants to buy a house or lot here in the country, they can avail the OPHL or Own a Philippine Home Loan. This particular loan is a unique program of the bank that will allow overseas Filipinos to build their dream houses while being away.

How much does PNB loans?

PNB Loan amount is depending on the type of loan you wish to acquire. Moreover, the minimum account you can borrow in personal loans is not indicated on their website.

Interest rates

The interest rates you get from a PNB loan can vary between 2% to 7% depending on the type of loan, its terms, and the amount.

How long does it take to receive the money?

Applying for a PNB loan is easy, just make sure that before you fill out an application, you already know the amount you wish to borrow and its terms. Once you’re done, you can now fill-out the loan application form and go to a PNB branch near you.

PNB loan benefits

The popular loans of PNB are their Housing and Auto loans. Both of these can help an individual to restart and find comfortable living. And assuming that you are following the term agreement, high credit scores are going onto your credit history. Availing any PNB loan also allows you to become financially free because you don’t have to rent or commute anymore.

How to apply for a PNB loan?

Applying for a PNB loan is relatively easy. You can start by knowing your current needs and finding the best type of loan fitted on it. More so, if you find it difficult, a customer service representative is always here to help you.


PNB requires documents to the borrower according to the type of loan he chose. The following information are from the PNB loan website itself:

  • Housing Loan Application Form (duly accomplished)

  • Photocopy of 2 Valid Government-issued IDs

  • Appraisal Fee of P3,500 (non-refundable)

  • If with co-maker/co-borrower/attorney-in-fact, separate application form is needed


  • Income Documents
  • Photocopy of the latest Income Tax Return (ITR)

  • Certificate of Employment and Compensation

  • Alien Certificate of Registration (ACR) and Official Receipt (if resident alien)

Overseas Filipino Worker:

  • Photocopy of Passport

  • Contract / Certificate of Employment (COE) approved by the POEA, if applicable, authenticated by the Philippine Consulate (if direct hired)

  • Proof of inward remittance thru PNB or other banks

  • Crew Contract and Exit Pass from POEA (for seafarers only)

  • PNB-prescribed Special Power of Attorney (SPA), if applicable

  • If SPA was executed and notarized abroad, such has to be authenticated by the Philippine Consulate


  • SSS / GSIS / Driver’s License / PRC License

  • Business Name (DTI) or SEC Registration

  • Articles of Incorporation, By-Laws with SEC Registration Certificate and latest General Information Sheet if applicable

  • General Information Sheet

  • Financial Statements / Income Statement for the last 3 years

  • Photocopy of the Income Tax Return (ITR) for the last 3 years

  • Bank statements for the last 6 months

  • List of Trade References (Suppliers / Customers)

Loan calculator

Loan calculator is available on PNB’s website to make sure and help you gain a lot of knowledge about the loan you’re going to choose. Click here to get ahold of the calculator:

Application form

Application form for those who are looking a way to apply for a PNB loan is available near the municipal.

How to apply online?

With Philippine National Bank, you can easily apply online with lower interest rates and decreased transaction fees. To apply for one, you can go to their website, create an account, print and fill out an application form, go to the nearest branch near you, and monitor the loan from the comfort of your home.

How to pay for the PNB loan?

PNB accepts payments from their disbursement partners such as 7-eleven, Cebuana Lhuiller, Bayad Center, G-cash, PayPal, and other digital wallets.

What happens if I can’t pay?

There are certain late payment fees and penalties for those borrowers who failed to pay their loans on time. There’s also a tendency that they won’t let you borrow again because of the bad history you got from the bank once you can’t pay.

Can I request a payment extension?

Yes, PNB allows loan payment extensions and you can do it by requesting them. But this only applies for those customers who borrowed a sum of money and failed to reimburse it.

PNB, customer service

If you want to raise a concern about an inquiry or status of your loan, you can contact PNB through the following contact information.


The Philippine National Bank Hotline is (+632) 8573 8888.

Email address

To send an email, the email address of Philippine National Bank is .

PNB loan reviews

Philippine National Bank never failed Filipinos when it comes to providing financial assistance in case of need. This is the reason why in just over a century, PNB is still a trusted bank supported by millions of Filipinos worldwide.

Have you used the PNB loan personal? Share your experience here.

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This article was updated on 21 may 2022