Close-up of a green logo showing the letters "USB" with "University" text underneath on a dark background.

Personal Loan

Personal Loan

Enjoy competitive interest rates, flexible payment terms, and a simple application process designed for your convenience.

Product Features:

Loan Amount:

  • Regular Employees: up to ₱500,000
  • Self-Employed: up to ₱2,000,000
  • Seafarers / OFWs: up to ₱500,000

Term: Up to 36 Months

Interest Rate: Prevailing rate at the time of approval

Purpose:

To provide a responsive, affordable, and easily accessible personal loan facility to consumers for their personal needs such as emergency hospitalization, education, household bills, and other personal expenses.

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qualifications

Eligibility:

  • Must be a Filipino citizen
  • Applicant must be at least twenty-one (21) years old and not more than sixty-five (65) years old upon loan maturity, or up to the company’s retirement age, whichever comes earlier.
  • For Regular Employees – must be a regular employee for 2 years.
  • Self-Employed or Practicing Professional – must be self-employed or practicing professional for at least three (3) years.
  • Seafarers – Must be continuously working overseas for at least three (3) years.
  • Overseas Filipino Worker (OFW) – Must be continuously working overseas for at least three (3) years.

requirements

General Requirements: 

  • Accomplished Loan Application Form 
  • Copy of two (2) valid IDs (Gov’t & Company ID) and TIN with 3 specimen signatures and date 
  • Recent 2×2 photos 
  • Latest proof of billing address 
  • Sketch of Residence with a landmark

If locally employed: 

  • Copy of the latest issued Certificate of Employment (COE) with compensation 
  • Latest ITR 
  • Copy of the latest three (3) months’ pay slips

If self-employed: 

  • Latest ITR 
  • Certificate of Business Registration with DTI (Sole Proprietorship) or 
  • SEC, Articles of Incorporation & By Laws (Partnership/Corporation) 
  • Latest three (3) years’ Audited Financial Statements and ITR 
  • Interim Financial Statement 
  • Bank Statements / Photocopy of Passbook for the last six (6) months 
  • Latest proof of additional/other income (Lease Contract, Certificate of Deposits, and/or Stocks Certificate) 
  • List of trade references, suppliers & customers with name and contact number

If OFW: 

  • Latest employment contract authenticated by the Philippines Consulate (Apostille) 
  • Seafarer / Seaman must have their latest crew contract, exit validated by POEA 
  • Proof of remittance for the last three (3) months or more 
  • Consularized Special Power of Attorney (if applicant is already deployed overseas) 
  • Physical assets, such as real estate and other vehicles owned, can be used as additional proof of capacity to pay 

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USBank is regulated by the Bangko Sentral ng Pilipinas (https://www.bsp.gov.ph/).

Deposits are insured by PDIC up to P1 Million per depositor.

Close-up of the University Savings Bank logo, featuring a green and gold stylized "U" shape.
USBank is regulated by the Bangko Sentral ng Pilipinas (https://www.bsp.gov.ph/). Deposits are insured by PDIC up to P1 Million per depositor.