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Where to Get Teachers Loan in the Philippines

Are there personal loans for teachers? Where can you find loans with affordable interest rates? If you are a teacher in search of extra cash for a micro business, this list is what you need.

Our teachers have been working hard to teach young minds and help them reach their dreams. Most of us have at least a teacher or two who inspired us to do better in life, if not in our studies. However, despite their dedication, we always hear stories about teachers not receiving enough salaries. This is why a lot of them decide to have micro business.

Find out where to get a Techer’s Loan here:

Where to Get Teachers Loan in the Philippines

Available Banks for Teachers Loan

Do you want to know which banks in the Philippines you can approach for your Teachers Loan? We listed it all for you. Check it out. 


Agribank offers the Puhunang Pangkabuhayan ng mga Namamasukan (PPN) loan program. This is a salary loan for teachers. Most of us heard of teachers’ salaries being late every now and then. The truth is a lot of teachers teaching in public schools receive their salaries later than they should. Sometimes the salary is just enough to pay off their outstanding debt.

With Agribank’s PPN loan program, teachers can choose a salary loan that stretches for up to two years with an interest rate of 1% per year. If they get a loan for one year term, the interest rate is 0.9%.

Are you interested in the PPN loan program? You need to present a duly filled-up application form, payslips for the last three months, a copy of the latest service records, an Appointment Record, your valid PRC ID, DepEd ID, a Certification from your school principal, the latest Cedula (Community Tax Certificate) and four 2×2 ID picture.

For your guarantor, he/she must prepare two 2×2 latest ID pictures, Valid PRC ID, DepEd ID, Cedula, and a payslip from the previous month.

AgriBank Contact Number

  • (02) 942-2474 (AGRI)
  • (078) 392-1522
  • (078) 392-1527


UnionBank offers City Savings Loan for Teachers. Teachers can now borrow up to P875,000 for 12 months. The longest term available is 36 months. There is no pre-termination fee. This means that in case you have the financial capacity to pay off the outstanding amount earlier than the agreed term, then you can settle the loan without any penalties. Once you present all the required documents, you can get your funds in just a day.

UnionBank Contact Number

  • (+632) 841-8600 (Metro Manila)
  • 1-800-1888-2277 (Domestic Toll-Free)

National or Regional DepEd Offices – Philippine Public School Teachers Association (PPSTA)

PPSTA offers SARILING SIKAP LOAN PROGRAM. This unsecured loan offers as much as P300,000 for teachers. The interest rate can be as low as 7.5%. When you apply for the SSLP, expect to pay a very affordable service fee of 0.50% with an administrative fee of 5.50% of the principal amount. The loan payment is through salary deduction. Also, PPSTA online loan application is available. If you want an Instant Member-Instant Loan Program, you may borrow up to P100,000. PPSTA loan offers renewed loans to borrowers with good payment attitudes. 

PPSTA Contact Number

Loan and Collection Department

  • (02) 988.1411/1412

EastWest Bank

EastWest Bank offers loans to permanent DepEd teachers. You can still apply for this loan if you are a non-teaching DepEd personnel. However, you must provide the complete requirements. East West loan requirements for teachers include one piece of 2×2 ID pictures, payslips for the last three months, PRC ID, DepEd ID, Appointment Letter, and your Service Record. Provide clear photocopies of your documents.

EastWest Bank Contact Number

  • +63 917-3116411
  • +63 932-8578397
  • +63 918-9930270


LandBank offers Dep-Ed Livelihood Loan Facility. These are offered to DepEd teachers 18 to 62 years old and have no pending application for retirement. Teachers can borrow as much as eight months’ worth of salary but not over P500,000. The interest rate is 10.5%. Borrowers must have an existing payroll account with LandBank. If you think you’ll get approved, apply for a LandBank loan for teachers. 

LandBank of the Philippines Contact Number

  • (+632) 405-7000
  • 1-800-10-405-7000

DepEd Teachers Loan is available in various banks. All you need to do is search for the most suitable one. 

RELATED ARTICLE: Guide on How to Apply for SSS Salary Loan

What to Consider When Looking for a Teachers Loan

Now you know which Philippine banks you need to approach. Your next concern is the details about the Teachers Loan. 

Loanable Amount

Consider the amount you can borrow. Loans have a range of amounts you can apply for. However, the final loan amount will be at the bank or money lender’s discretion based on their creditworthiness evaluation.

Interest Rate and Fees

There are various interest rates and fees. Though some loans may have low interest rates, do not forget to check the other fees, such as the service and administrative fees.

Loan Release

Loan release varies with banks and money lenders. Of course, your loan process will be faster if you can provide the complete required documents as soon as possible.


Make sure that you have all the required documents. Check if all of the information is clear and consistent. Prepare copies of your documents, and do not hesitate to contact the bank or money lender if other documents are needed.

Loan Tenure

Teachers’ loans range from one year up to three years. The longer the term, the higher the interest rate.

Whenever you need an online salary loan, borrow from a bank or a licensed money lender. This way, you can avoid loan sharks who always prey on unsuspecting borrowers.