Guide on PNB Personal Loan Requirements 2026 You Must Submit for Application
PNB CASH LOAN REQUIREMENTS 2026 – Here are the qualifications and the documentary requirements in applying for the PNB loan offer.
In the Philippines, banks are among the entities that many Filipinos consider in times of cash needs. There are some trusted and reputable loan-providing banks in the country including the Philippine National Bank or more popularly called as PNB.
The Philippine National Bank (PNB) has been serving Filipinos with reliable financial services for more than a century, having been established in 1916. Over the decades, it has built a reputation as one of the country’s most trusted banking institutions, consistently offering excellent loan and deposit products tailored to the needs of its clients.
Today, PNB continues to uphold that legacy, catering to millions of customers both in the Philippines and abroad. Its long-standing commitment to quality service and financial stability has made it a dependable partner for individuals, families, and businesses seeking secure and accessible banking solutions.
The Philippine National Bank (PNB) offers a range of loan products designed to meet different financial needs and goals. Beyond the PNB Housing Loan and the PNB Auto Loan programs, PNB also provides the Personal Loan—a versatile cash loan that can be used for travel expenses, business expansion, personal purchases, and more. This multi-purpose option gives borrowers flexibility in how they choose to use the funds.
The PNB Personal Loan is available to both employed and self-employed individuals. Before preparing the necessary documents for application, it’s important to first review the eligibility criteria to ensure you qualify. Once confirmed, applicants can then gather the required paperwork to make the process smoother. The list of requirements is relatively short, but preparing them in advance will help avoid delays.
Who is eligible to apply for the cash loan? Before checking on the PNB Cash Loan requirements, applicants must meet the following qualifications set by the bank.
- Filipino citizens
- at least 21 years old at the time of the loan application but not more than 65 years old upon the loan maturity
- earning a minimum annual gross income of Php 120,000
The requirements for the PNB Cash Loan are straightforward and easy to prepare. To make the application process smoother, it’s best to gather the necessary documents ahead of time so you can submit them without delays.
Be sure to have the following ready, as these are the key documents the bank will ask for during your loan application.
- PNB Personal Loan Application Form with Auto-Debit Arrangement (ADA) Enrollment Form
- Proof of Residence/Proof of Billing
- Income Documents
- one (1) Valid Identification Document (ID) with your signature and photo
Primary IDs
any of the following:
- Philippine Identification Card (PhilID) issued by the Philippine Statistics Authority (PSA) under the Philippine Identification System (PhilSys)
- Valid Passport
- Driver’s license
- Unified Multi-Purpose ID
- Digitized BIR TIN Card
- SSS ID
- GSIS e-Card
- PRC ID
- IBP Lifetime Membership ID
- NBI Clearance
Secondary IDs
any two (2) of the following:
- Police Clearance
- Digitized Postal ID
- Voter’s ID
- Tax Identification Number Card
- Barangay Certification
- Senior Citizen Card
- MARINA Professional Identification Card
- OWWA ID
- OFW ID
- Seaman’s book
- Government Office and GOCC ID (e.g., AFP, HDMF IDs)
- Certification from NCWDP
- DSWD Certification
- IBP ID
- Phil-Health ID Health Insurance Card ng Bayan
- Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP, SEC or IC
- Persons with Disability (PWD) Identification Card
Aside from the loans, the Philippine National Bank also got credit card offers which include the PNB Visa Classic Credit Card.