Guide on the PNB Personal Loan 2026 Features & Application
PNB CASH LOAN 2026 – The Philippine National Bank got this excellent multi-purpose loan offer that is open for many individuals.
In terms of cash needs, the reputable banks that are in the service of countless Filipino people for several years now are among the entities that you can turn to. One of them is the Philippine National Bank.
The Philippine National Bank (PNB) is among the country’s longest-standing financial institutions. Over the years, it has earned the trust of millions of Filipinos by delivering reliable service and offering a wide range of products designed to meet diverse financial needs.
The Philippine National Bank serves not only Filipinos living in the country but also those abroad. In fact, many overseas Filipino workers have taken advantage of the bank’s loan programs, which can help address multiple financial needs under a single loan or make big dreams—like owning a car or a home—possible.
In addition to the PNB Housing Loan offer, the bank also offers a multi-purpose cash loan known as the Personal Loan or also called the PNB cash loan. This facility can be used for a variety of purposes, including the following:
- Medical expenses
- Education/Tuition Fee
- House renovation
- Purchase of appliances, furniture, and other household needs
- Vacation trips
- Other personal needs
Like other loan programs, the amount you can borrow depends on several factors, such as your income and repayment capacity. For the PNB cash loan, however, the bank has set a defined range for qualified clients: you may borrow up to ₱2 million, with repayment terms ranging from 3 to 60 months. The minimum gross annual income requirement is ₱120,000, and applicants must be between 21 and 65 years old.
- Minimum Loanable Amount — Php 10,000
- Maximum Loanable Amount — Php 2 million
The loan term, or the period allowed for repayment, depends on the amount borrowed from the bank. According to PNB, loans below ₱500,000 may be repaid in flexible terms of 3, 6, 12, 18, 24, or 36 months.
For loan amounts of ₱500,000 and above, borrowers may choose repayment terms of up to 60 months. It’s important to remember that all loan applications remain subject to the bank’s approval process.
Aside from the loanable amounts, another key detail to consider before applying for the PNB cash loan is its interest rate. Understanding this rate helps you gauge how much your borrowed amount may increase once interest is factored in. PNB offers add‑on interest rates starting at around 1% per month (roughly 12% annually), with actual rates varying depending on the borrower’s risk profile and chosen loan term.
PNB applies a monthly add‑on interest rate of either 1% or 2%, depending on the loan terms and borrower’s profile. To receive the loan proceeds, you’ll need to nominate an active PNB account where the funds will be credited.
Are you interested in applying for the PNB cash loan? This program is open to both salaried and non‑salaried individuals, provided they meet the PNB requirements and qualifications for cash loan application.