• Interest rate (p.a.)

    19.05% - 20.28%

  • Loan Tenure

    1 - 3 years

  • Approval Duration

    Up to 5-7 banking days

  • Min. monthly income


Loan calculator
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What's so great about UCPB YES Personal Loan ?
  • Enjoy friendly payment terms from 12 to 36 months.
  • Get a free UCPB eMoney Card as a pay-out option.
  • Borrow any amount from ₱50,000 to ₱300,000.

Product Features

Min. financing amount₱50,000.00
Max.financing amount Up to ₱300,000.00
Min. loan tenure1 year
Max. loan tenure3 years
Interest rateFixed rate of 18.00% per annum, 1.50% per month add-on
Approval durationUp to 5-7 banking days
Debt consolidationNo

Fees & Charges

One time set up
Processing fee₱1,500.00
Stamp duty₱1.00 for every ₱200.00 in excess of ₱250,000 of the loan amount
Disbursement & misc. feeN/A
Early settlement5% p.a. on any balance outstanding
Late payment charges₱300.00 or 5% p.a. on any balance outstanding, whichever is higher


Age requirementAge 23 - 65
Employment eligibilityAt least ₱30,000 monthly income
Min. salary requirement₱30,000 gross per month
Guarantor / Collateral requirementYes

Other Requirements

Need to open linked banked account?Yes
Other detailsMethod of Payment - Post-dated checks

Product Review byiMoney

UCPB Personal Loan FAQ

How much can I borrow?

With a UCPB Personal Loan, borrow as much as P300,000, subject to approval.

What are the UCPB Personal Loan Requirements?

An applicant must fulfill UCPB’s eligibility criteria for a loan:

  • Filipino citizen and a permanent resident at least 21 years old but not more than 60 years old (70 years old if self-employed) upon maturity, and
  • Checking account holder and a major credit card holder, and
  • Permanent employee for at least 2 years with supervisory rank and a minimum gross monthly income of P30,000.00, or
  • Self employed with a business operational for at least 3 years and profitable for the last 2 years

Consequently, after filling out an application form, the following documents are necessary:

Fully Employed applicants need:

  • Fully-accomplished UCPB YES Loan application form
  • Certificate of Income and Employment or Contract of Employment
  • Latest ITR
  • Three (3) month’s Payslips.
  • Proof of residence billing
  • Proof of Deposits or Bank Certification on deposits
  • Valid IDs (i.e. Passport/Driver’s License/SSS ID/ GSIS ID)
  • 1×1 or 2×2 Pictures two (2) pieces

Self–Employed applicants need:

  • Fully-accomplished UCPB YES Loan application form
  • Latest Business Registration (DTI, Mayor’s Permit, Partnership Registration-SEC)
  • Audited Financial Statement for the past 3 years/Proof of BIR tax payment with stamped of BIR.
  • Latest In-House Financial Statements
  • List of institutional Clients and Suppliers w/ contact number
  • Six (6) Months bank statements or Photocopy of Passbook transactions

*Additional documents may be required during credit evaluation.

How does the UCPB Personal Loan Calculator work?

The UCPB Personal Loan calculator computes the estimated cost of borrowing and amount of payment per instalment. Input the desired loan amount to automatically get the estimated monthly amortization for different tenors.

More personal loan choices are also available from other banks in the Philippines, such as:

RCBC Savings Bank Personal Loan
  • Aside from extra funds, if you need additional financial advice, then RCBC Savings Bank Personal Loan is perfect for you. Minimum loan amount is ₱50,000 up to maximum of ₱1,000,000 which you can pay in flexible terms of 6 months to 3 years. With an interest rate of 18% per annum, you can apply if you have a minimum monthly income of ₱20,000 and must be 21-60 years old upon loan maturity.

  • HSBC Personal Loan
  • With HSBC Personal Loan, you can be confident that your urgent money matters will soon be resolved. Borrow any amount starting from ₱30,000 up to ₱500,000 for as low as 1.21% monthly add-on interest rate. Pay the amount in flexible terms of 6 months to 3 years. To apply you need a minimum gross monthly income of ₱14,000 and must be at least 21-60 years of age upon loan maturity.

  • Sterling Bank of Asia Personal Loan
  • If you need extra help on your finances, Sterling Bank of Asia Personal Loan is all you'll need. Take a loan for as little as ₱50,000 and up to a maximum of ₱1,000,000 with low interest rate of 16.8% per annum. Benefit from the convenience of flexible loan payments of 1-3 years. To apply, you must be 21-60 years old with minimum gross salary of ₱30,000 per month.

  • If you need to look at more choices, our team would also recommend that you view our complete list of Cash Loan available on our website to help you in getting the right loan.