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Is PSBank Personal Loan Simple Enough For You?

Can you get rebates from a personal loan?
Yes! But do not forget to check the terms.
PSBank Flexi Personal Loan offers rebates for personal loans. This unsecured personal loan has two credit facility which can either be a term loan of a revolving credit line. What does it mean?
The term loan has a fixed term of either 24 months or 36 months. The tenor has not much flexibility. If you are looking for a loan with a fixed shorter term than two years, then you can have another personal loan, or you can just make a prepayment. This means you can settle your loan earlier without any penalty.
You can earn rebates or savings under two conditions. You must pay five days ahead of your monthly due date or make an excess payment on top of your monthly dues.
There is no need to register, as you are automatically enrolled for the promo. You just need to be sure to pay in advance or excess.


PSBank Personal Loan Requirements

If you wish to apply for a PSBank loan, ensure you have all the documents needed for fast approval. Here are what you need.

  • Duly accomplished PSBank Loan Application Form for Flexi Personal
  • Original copy: Latest credit card billing statement for credit cardholders
  • Photocopy: Any valid IDs. It can be your Company ID, Driver’s License, PRC, SSS, GSIS, TIN, Passport, NBI Clearance, Firearms License, Integrated Bar of the Philippines
  • Photocopy: BIR form 2316 (employed applicants), BIR form 1701 with Audited Financial Statements with BIR for the last 2 years (self-employed)

PSBank Borrower’s Qualification

On top of the PSBank loan requirements, you must assess if you possess the following characteristics for PS Bank Flexi Loan. 

  • Filipino residing in the Philippines
  • Age of 22 to 54 years old upon application
  • Employed must have at least 2 years of permanent work status 
  • Business owners must be profitable for the last three years
  • Gross monthly income: Php 15,000 (employed) and Php 30,000 (self-employed)
  • Contact information: Residential landline or mobile number, business landline, email address 
  • Active credit cardholder (preferably)

PSBank Loan Application

Applying for PSBank Personal Loan is easy since it is available online. Follow the steps below. 

  1. Go to the PSBank Personal Flexi Personal Loan Application page. 
  2. Click “Start Here.”
  3. Answer the pre-screening checklist. It determines whether you’re a qualified borrower or not. 
  4. If qualified, you will calculate a sample amortization. Click “Compute for Sample Amortization.” It determines the possible repayment terms. 
  5. If you agree with the results, you may click “Apply for a PSBank Personal Loan Now!”
  6. Afterward, you will be directed to the online application form. You must provide all your personal information and requirements correctly. Also, follow the prompts to finish your application for PSBank Personal Loan. 

PSBank Flexi Loan Calculator

PSBank lets its customers have an estimate of how much they will pay through its PSBank Personal Loan Calculator. It computes your monthly amortization that will match your budget. All you need to know is to enter the Loan Availment, Loan Term, and Loan Amount. 

Loan Availment. Payment made in fixed monthly installments (deferred) or at least the minimum required amount due (revolving)

Loan Term. 24 months and 36 months 

Loan Amount. It depends on the loan cash you need. 

Once you have entered this information, click “Compute Now,” and you will have an idea of how much you will pay for your PSBank loan.

Why PSBank Personal Loan may not be for you?

  • If you are just looking for a short-term loan of less than P20,000, this loan is not the right one for you.
  • If you need a loan for an emergency, then it is better to consider other loans since the personal loan approval of PSBank will take five to nine days. This will be prolonged if you cannot present the required documents.
  • You must be prepared to pay off the handling fee worth P1,500. Some private lenders offer personal loans with lower administrative fees and interest rates at more flexible loan terms.
  • To qualify for the PSBank personal loan, you must be at least 22 to 54 years old.

PSBank Flexi Loan Contact Number

PSBank hotline number for Customer Experience is (632) 845-8888. You may reach them, especially if you have concerns about your PSBank loan. 

If you need a quick cash loan with more flexible terms, you can get it from Cash Mart. Cash Mart offers weekly, biweekly, and monthly terms. you are only required to be a regular employee in your current company for the last 6 months, unlike with the PSBank, which requires you to be a regular employee for two previous years.
Do not hesitate to shop around for other choices when you get a personal loan. The best one might be just a few clicks away. Cash Mart may not offer rebates, but it offers easily accessible personal loans that can help you keep a better credit score.