PBCOM Cash Loan Philippines
Achieve your life’s necessities, big or small with PBCOM Personal Loan cash solution.
Fast approval and disbursement
Competitive interest rates
Flexible payment terms and payment arrangements
Tuition Fee or School Expenses
Wedding or Other Special Events
Appliance or Furniture Purchase
Travel and/or Vacation Expenses
12, 18, 24, 36, or 48 months
Annual Interest Rate is from 26.90% to 35.90%.
Computation for the Monthly Installment Amortization
Processing Fee Php 2,000
Deducted from loan proceeds or paid over the counter Documentary Stamp TaxPhp 1 for every Php 200 of the loan amount or a fraction thereof
Late Payment Fee3% of installment amount due or Php 500, whichever is higher
Returned Check Fee Php 1,000 per checkClosure
21 to 65 years old (Applicant must not be more than 65 years old upon loan maturity)
Filipino citizens or local resident foreigners who live within PBCOM business center locations (Local resident foreigners should present Immigrant Certificate of Residency OR documents as required by Executive Order 226 OR Visa and work permit)
Must have an existing locally-issued credit card issued 12 months prior and with a minimum credit limit of Php 30,000
Income of applicant must be within the minimum income required by PBCOM as follows:
Must have a minimum Gross Annual Income of Php 260,000;
Must be a permanent employee or if probationary, must be within the same line of work or industry for the last 2 years
Must have a minimum Gross Annual Income of Php 300,000;
Business must be 3 years in existence or 1 year practicing professional
Filled out and signed application form
Two (2) valid government-issued IDs with photo and signature
Latest two (2) months credit card statements
Front photocopy of credit card
A copy of the latest Income Tax Return (ITR) of the borrower and his co-maker, if applicable; OR
Employer’s Certificate of Compensation Payment/Tax Withheld (BIR Form 2316); OR
Latest three (3) months pay slips upon loan application
Optional Income Requirement to facilitate FASTER processing:
Original Certificate of Employment with a Top 1,000 Corporation including position, date of employment, tenure and gross annual income
For Self-Employed Individuals
Filled out and signed application form
Two (2) valid government-issued IDs with photo and signature
Latest two (2) months credit card statements
Front photocopy of credit card
A copy of the latest Income Tax Return (ITR) of the borrower and his co-maker, if applicable
Latest Audited Financial Statements
Photocopy of Certificate of Business Registration with SEC or DTI (if loan purpose is for business use)
*Interest rates, fees, and charges are subject to change without prior notice. All applications will be subject to the Bank’s credit policies and procedures.
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