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PSBank personal loans for december 2022 in the Philippines

Get a personal loan at PSBank. On 03.12.2022 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

Flexi Personal Loan with Prime Rebate
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™
₱20,000 - ₱250,000

Effective interest rate on the product

2.5% per month

Loan term for the financial product

up to 36 months
Submit your loan application online
Submit your loan application online

Take advantage of our loan selection system with a free credit check!

Calculate the loan payment in the Philippines

Your ideal cash loan with a free credit check in the Philippines is just a few clicks away.

Calculate the loan at PSBank
Loan amount

Specify the desired loan amount

20000 ₱
250000 ₱
Loan term

Specify the loan term for the calculation

Effective Interest Rate

Choose the interest rate on the loan

41.29 %
42.88 %
Type of payments

Specify the type of payment for calculating

Interest rates on loans in the Philippines 

According to the guidelines for Bangko Sentral ng Pilipinas Circular No. 1133, Series of 2021, on the ceiling/s of interest rates and other fees charged by lending companies, financing companies, and their online lending platforms, the maximum nominal interest rate for unsecured loans is 6% per month (0,2% per day), and the maximum effective interest rate is 15% per month (0,5% per day). The caps apply to unsecured loans of no more than ₱10000 and payable within four months.

Online loan application in the Philippines

Loan amount

Enter the desired loan amount

1000 ₱
50000 ₱
Loan term

Specify the loan term for the calculation

60 days

You are able to pick a loan for free. You can receive money in: 15m

Online loan application
Your data is securely protected
Loan amount
0 ₱
Loan term
0 month
Loan commission

Here is the average overpayment on a loan based on data from lenders in the Philippines.


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Other types of loans

How to get a personal loan

Fill out your application
Fill out your application

On our website you can fill out a short application form for a loan.

Pass a credit check
Pass a credit check

We will offer you to check your credit score online for free.

Send your application online to the suggested companies
Send your application online to the suggested companies

After checking your credit rate, you will be able to send your loan application to the appropriate companies.

Wait for a response from the lender
Wait for a response from the lender

If necessary, the lender will contact you to clarify the details.

Get your loan!
Get your loan!

Get the money to your bank account, digital wallet or in cash.

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Margarita D
Margarita D
17.10.2022 at 12:26
The advantages of this app was good, they are very responsive and quickly answered you if you are able to get a loan or not.
Allan P
Allan P
01.12.2022 at 09:55
With Tala I forget about banks and offices. Everything is in mobile, I could control my money and loan. Choose limit. I just needed driving license and phone number to register account...
Marvin T
Marvin T
27.11.2022 at 13:25
Billease is for you when you need to buy a new gudget but can't afford it, you may pay by parts. And I don't even need a credit card...
Joan T
Joan T
24.11.2022 at 19:07
Tala is an option if you need cash quickly. I urgently borrow money I needed. Downloaded the app, apply and it take 5 min to get my cash. App is essy, interface is comfy.
Evelyn M
Evelyn M
22.11.2022 at 10:10
Fast approval and great app. It is easy even for me and I'm not good with technology. I apply, approved and get my Php 2000 in 30 minutes.
PSBank personal loans for december 2022

The PSBank Flexi line of credit with prime rebate offers the first and only security and collateral-free personal loan product that includes a revolving credit line as well as a fixed term loan. Revolving credit is a sort of credit that does not have a set amount of payments. Based on how much you've repaid, the amount you can borrow reduces or increases. A term loan requires you to make regular payments over a certain period of time.

It is simple to apply. You can apply online by clicking on the Apply Now link on the right, or you can visit any PSBank office near you. With the personal loan, you may receive rebates or discounts if you make extra or early repayments on your flexi loan. Below are some of the features of the loan:

  • Minimum monthly repayment. There is the bare minimum that needs to be completed before or on the payment due date in order to avoid a fine. You must add the following to your minimum outstanding balance: 5% of the entire value due of lending availments or interest amount or ₱500.00, whichever one is greater, monthly repayment of installment loan availments, and the fine and late fee for the period. Finance, late fees, other costs, and total monthly amortizations will be taken solely on the payment due date from the current credit line.
  • Interest rate. The revolving loan has a monthly interest rate of 2.5%, while the term loan has a monthly add-on rate of 1.75%. In addition, the net interest rate P.A. is 42.88% for 24 months, and the effective interest rate per annum is 41.29% over a period of 36 months. The effective interest rate per annum for a revolving loan is 34.49% over a 12-month period.

How to apply for the PSBank personal loan?

Below are the steps to take in order to apply for a PSBank personal loan. Follow the steps carefully in order to apply successfully:

  1. Visit the PSBank official website.

  2. Highlight your mouse through Loans and then select Personal.

  3. Check by your right hand side and click on Apply now.

  4. Click on Self-assessment on top of the application form.

  5. Choose if you are a Filipino or a foreign national.

  6. Click on the arrow and then enter your date of birth.

  7. Click on the arrow again and select your source of income. Type in the number of years you have been receiving income from this source.

  8. Click on the arrow and enter your gross income.

  9. Click on the arrow and choose what you intend using the loan for.

  10. Your qualification status will be shown. You can now use the loan calculator to calculate your possible monthly payment. Click on Apply now when done.

  11. Select your purpose of the loan and then input your preferred amount.

  12. Input your personal information, this covers your name, date of birth, civil status, gender, etc.

  13. Take time and enter all the other required data.

  14. Go through the terms and conditions of the loan, tick on the I agree with the Terms and Conditions as set by PSBank box if you agree with the terms.

  15. Enter the image verification number correctly. Note that it is case-sensitive.

  16. Click on Proceed. Follow the screen directives to complete your application.

Main requirements

Below are the main requirements for the PSBank flexi loan:


  • Borrowers must be Filipinos who live in the Philippines.
  • When applying, the borrower's age should be between 22 and 54 years old.
  • If employed, you must have at least two years of continuous employment with a one-year tenure with your present company.
  • If you own a business, it must have been profitable for the previous three years.
  • Borrowers must have a gross monthly earnings of at least ₱15,000 for working individuals and ₱30,000 for self-employed individuals.
  • Borrowers must have a household landline or cell phone number, a business landline, and an email address.
  • Borrowers must also have a valid credit card.

Documentary requirements

  • Fully completed PSBank flexi loan application Form/
  • Photocopy of valid ID card:

    • Company ID

    • SSS ID card

    • GSIS ID card

    • PRC ID card

    • Driver's license

  • Photocopy of BIR form 2316 for employed borrowers.
  • Photocopy of BIR form 1701 for self-employed applicants with audited income statement with BIR certification for the last two years.

    Pros and cons

    Before applying for a loan or experimenting with several possibilities, it is usually a good idea to weigh the advantages and downsides of each lender. Consider the following honest pros and cons.


    • The loan application and availment of loan can be done and completed online.
    • The loan comes with very little requirements compared to competitors.


    • The loan amount is limited at a minimum loanable amount of ₱250,000, compared to competitors.
    • The bank will investigate your credit history before approving a loan.

    How to repay the PSBank Flexi personal loan?

    There are several options for repaying this loan, but the simplest is the automatic debit arrangement. This will be arranged at the time of loan application. To avoid missing a payment, the borrower must enter their amortization date and ensure that they have sufficient funds in their PSBank savings account.


    What is the loanable amount for the PSBank flexi personal loan?

    The minimum loanable amount is ₱20,000, and the maximum is ₱250,000.

    What are the loan tenors of the PSBank flexi personal loan?

    The loan term for this loan is 24 or 36 months.