Guide on Pag-IBIG Cash Loan 2026 Features & Application
PAG-IBIG CASH LOAN 2026 – Here is a guide on how to apply for the Multi-Purpose Loan (MPL) offer of the Pag-IBIG Fund.
Are you in need of some financial access now? If you are a member of the Pag-IBIG Fund, you may turn to the Multi-Purpose Loan offer of the state-run institution which is also popularly called as MPL.
While the Pag-IBIG Housing Loan remains the most popularly and most-accessed loan offer of the Fund, its loan offer that offers the most flexibility in terms of the purpose it serves is the Multi-Purpose Loan or also called as the Pag-IBIG cash loan offer.
You may meet several purposes under the Pag-IBIG MPL. You may finance any of the following under this loan offer:
- Medical expenses;
- Minor home improvement;
- Capital for a small business;
- Tuition fee and other education-related expenses;
- Purchase of furniture, appliances or electronic gadgets;
- Payment of utility and credit card bills;
- Vacation and travel;
- Special events;
- Car repair; or
- Other needs
The Pag-IBIG Multi-Purpose Loan offer is open for both salaried and non-salaried members of the Fund. Not only locally-employed members but as well as overseas Filipino workers (OFWs) who are members of the state-run entity may apply for the loan offer.
The Pag-IBIG cash loan amount allowed for borrowing may vary among members. The Pag-IBIG Regular Savings is one of the factors in the varying amounts. With regards to the loan term, the loan is payable for up to three (3) years or 36 monthly installments.
The Fund offers one of the lowest interest rates at at 10.5% per annum. Furthermore, it applies the interest rate on the amount borrowed on a diminishing principal balance.
In applying for the Pag-IBIG cash loan offer, there are two (2) options — via Virtual Pag-IBIG and over-the-counter. Here is a guide:
Option 1 — Over-the-Counter
Gather the documents required by the Fund for application depending if you are employed, self-employed, or an overseas Filipino worker. Visit a branch of the Fund and submit your requirements for the Pag-IBIG cash loan application.
The requirements in applying for the loan offer varies. Here’s is a guide:
Option 1 — Online via Virtual Pag-IBIG
- Log in to Virtual Pag-IBIG and upload your duly-accomplished Pag-IBIG Multi-Purpose Loan and your proof of income.