PS Bank Flexi Personal Loan

  1. #15221
    Maverick Keymaster

    PS Bank Flexi Personal Loan

    PS Bank Flexi Personal Loan is the first and only personal loan with no collateral product with a revolving credit line and a fixed term loan.

    psbank personal loan philippines

    Eligibility Requirements:
    Citizenship: Filipino
    Residence: Philippines
    Age: At least 22 years old to 54 years old upon application
    Source of Income: Employed or self-employed
    Work Tenure: At least 2 years permanent work status with 1 year tenure in current employer if employed or 3 years profitable in the same business if self-employed
    Monthly Income:
    At least PhP15,000 gross monthly income if employed
    At least PhP30,000 net monthly income if self-employed

    Preferably an active credit cardholder
    With residential landline or mobile number, business landline and email address

    Documents Required:
    Completely filled out PSBank Flexi Personal Loan application form
    Photocopy of any of the following identification cards: Company ID, SSS, GSIS, PRC, Driver’s License, Passport or TIN (plastic card type), Firearms License, NBI Clearance, Integrated Bar of the Philippines ID
    Photocopy of BIR form 2316, 2306, 2307 or 1700 for employed applicants
    Photocopy of BIR form 1701 or 2317 for self-employed applicants and Auditor’s Report and Financial Statement with BIR Stamp
    Original copy of the latest credit card billing statement (with the client as the PRINCIPAL cardholder)

    Interest Rates:
    2.5% monthly interest rate for the Revolving Loan
    1.75% monthly add-on-rate for Term Loan

    Processing Fee:
    PHP 1,500.00

    24 or 36 months

    Mode of Payment:
    Over-the-counter at any PSBank branch nationwide
    BancNet ATMs nationwide and BancNet Online for clients who have deposit accounts in these banks
    Via PSBank Online for enrolled and activated PSBank accounts
    Client-initiated deduction/debit from PSBank deposit account only
    Fund Transfer from another PSBank deposit account

    Terms and Conditions:
    Minimum of PHP 20,000.00
    Maximum of PHP 250,000.00

    Processing time:
    5-9 business days

    Advantages and Benefits:
    Prime Rebate allows customers to earn rebates or savings when they make advance or excess payments on their PSBank Flexi’s monthly due.

    The rebate is automatically applied to all new and existing term loans. The client does not need to register or enroll to get the rebate.
    Rebates earned from advance/excess payments are computed on a daily basis – including weekends and holidays, starting on the date the payment is posted, and credited every due date.
    Rebate is applicable to advance/excess payments for the total term loan amortization due.
    Prime Rebate is not valid for loans under a zero-interest rate promotion or program.

    Other PSBank Products:
    PS Bank Home Loan with Prime
    PS Bank Auto Loan
    PS Bank SME
    PS Bank Deposits

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