Guide on the PNB Personal Loan 2025 Features & Application
PNB PERSONAL LOAN 2025 – The Philippine National Bank packed its multi-purpose cash loan offer with excellent features.
Are you looking for an entity that can provide you with cash without requiring for any collateral? Reaching out to the Philippine National Bank, more popularly called PNB, could be the best move that you can make.
The Philippine National Bank is one of the longest-operating banking entities in the country. It has earned the trust of millions of Filipinos with its quality service and amazing offers that are packed with features that answer to different needs.
The clients of the Philippine National Bank are not only Filipinos residing in the country but as well as abroad. In fact, countless overseas Filipino workers have availed the different loan offers of the bank that may help you address multiple needs under a single loan or hit big dreams such as owning a car or a house.
Aside from the PNB Housing Loan offer, the bank has a multi-purpose cash loan offer — the PNB Personal Loan. It is open for several 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 in other loans, the borrowing amounts really depend on several factors including the income of the borrower or his/her capacity to repay the loan. Meanwhile, in the case of the PNB Personal Loan, the bank has provided the range of the borrowing amounts for qualified clients.
- Minimum Loanable Amount — Php 10,000
- Maximum Loanable Amount — Php 2 million
The loan term or the number of months or years allowed for the repayment of the loan depends on the amount borrowed from the bank. According to PNB, loans that are below Php 500,000 may be paid in 3, 6, 12, 18, 24 or 36 months.
With regards to loan amounts that are Php 500,000 and above. the borrower may pay for it for up to 60 months. It is important to note that all loan applications are subject to the approval of the loan provider.
Aside from the loanable amounts, another detail of the PNB Personal Loan offer that you should best know before applying for the loan is the interest rate. By knowing it, you will have a knowledge of how much your borrowed amount may grow when the interest is added.
According to the bank, it implements a monthly add-on interest rate that is either 1% or 2%. You will have to nominate a PNB account for the disbursement of the loan proceeds.
Are you interested to apply for the PNB Personal Loan offer? It is open for both salaried and non-salaried individuals. For the application, there are PNB Personal Loan requirements and qualifications that you need to meet.