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Pangasinan Bank personal loans for february 2024

Pangasinan Bank
Get a personal loan at Pangasinan Bank. On 22.02.2024 there are 1 options available to you. Increase your chances of getting a loan — fill out an application with a free credit rating check.
Offers: 1
Pangasinan Bank
Consumption Loan
Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
up to ₱2,000,000

Effective interest rate on the product

from 17% per year

Loan term for the financial product

up to 60 months
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Pangasinan Bank personal loans for february 2024

The Pangasinan Bank personal loan, known as Consumption Loan, is a credit to purchase an individual household item or equipment, meet expenditures for the clients/borrowers' and their instantaneous family's educational, healthcare, or emergency needs, processing/placement fee for working/migrating oversea or OFW loan application, etc. The loan terms are a minimum of 30 days and a maximum of five years, with a five-year extension option, payable every 30, 60, 90, 120, 150, 180, or 360 days.

How to apply for a Pangasinan Bank personal loan?

Application is only made in-branch. You have to follow the steps below to apply for a loan:

  1. Ensure you pass all the requirements and have all the documents.

  2. Visit any branch of your choice and tell the customer service you want to apply for a consumption loan.

  3. They will assess your documents and decide the range of principal you can borrow, minimum and maximum terms, and interest rate. They will also determine if you qualify for an unsecured loan.

  4. Get the loan form, fill it out, and choose the terms of your loan from the range of data given to you.

  5. Follow all the further directives from the customer service to complete your loan application.



To be eligible for a Pangasinan Bank consumption loan, applicants must:

  • Be a Filipino citizen or a foreign national who lives permanently in the Philippines.

  • Be at least 21 years old at the time of application and no more than 65 years old when the loan matures.

  • Have at least one permanent landline number (home or company) and a mobile number (a mobile phone number will not be recognized as a different contact number).

  • Have a mean (basic) monthly income (GMI) of at least ₱15,000 or an annual income of at least ₱180,000.

Documentary requirements

  • Fully completed Pangasinan Bank Consumption Loan application form.

  • Photocopy of at least one valid digital format photo-bearing and signature-bearing ID authorized in the Philippines (i.e., driver's license, philippine identity card, professional regulation commission (PRC) ID card, SSS ID card, BIR ID card, voter's ID card, incorporated bar of the Philippines ID card, and unified SSS/GSIS and TIN ID card.). Company identification cards issued by private businesses or institutions registered with, controlled, or regulated by the BSP, SEC, or IC can also be provided.

  • (Only for foreign nationals). Any one of these proofs of residency: alien certificate of registration, immigrant certification of registration, or passport copy of resident visa stamp

  • Proof of income, which includes all of the following:

    • For employed applicants:

      • Photocopy of the most recent ITR/BIR form 2316

      • Photocopy of the most recent three months' pay slips

      • The employment certificate states the salary, position, date employed, and ITR or pay slips

      • Valid credit card reference or the most recent credit card statement of account

      • Other documentation may be required for additional verification

    • For self-employed applicants:

      • Copy the most recent ITR/BIR form 1701 and audited financial statement

      • SEC registration or DTI registration certificate (for sole proprietorship)

      • A certificate with a page listing the applicant's shares (for partnerships or corporations)

      • Permit for business

      • Valid credit card information or the most recent credit card statement of account

      • Other documents, such as a Mayor's permit, may be required for further verification

      • Please keep in mind that all documents submitted/presented must be in the applicant's name (correct spelling required, include suffix if applicable)

Loan release requirements

  • Documents submitted in original form (to be presented only)

  • Two valid identification cards

    • One will be given as ID verification to the Pangasinan consumption loan releasing unit

    • One will be delivered to the building's lobby guard

  • Original application form

  • Post-dated checks — completed and signed (please, confirm that the PDCs you will give have no erasures, corrections, or changes)

Pros and cons

Before applying for the Pangasinan Consumption Loan, it is worth checking out these pros and cons, which will help you to make further decisions and understand what to expect.


  • The loan comes in two variants: Secured and unsecured consumption loans, which clients can choose freely.

  • The loanable amount is more than ₱1m.


  • Application is only made at the bank branch.

  • There is not much information about the loan on the bank’s website.

How to repay Pangasinan Bank personal loan?

The borrower can pay the interest in advance at each renewal or through an amortization schedule spread over the loan's term using either the direct or diminishing balance method. Loans are paid through PDCs.


What are the interest rates on a Pangasinan Bank consumption loan?

The interest rate for loans secured by TCT is 17% per annum. The interest rate for loans secured by TD is 19% per annum. A special rate approved by the board is also given to eligible clients with exposures of ₱1M and above.

What factors determine the maximum loanable amount of the Pangasinan Bank consumption loan?

Numerous factors influence it, the most important of which is your current salary amount for payroll account holders or your average daily balance for deposit account customers.