Welcome to UCPB.com!

Auto Loan
Drive your dream car or refinance your motor vehicles for cash with UCPB’s Auto Loan!
If you have been employed or in business for the last 2 years with a minimum gross monthly income of P30,000.00, you are qualified to apply for a UCPB Auto Loan.

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Please choose from UCPB Auto Loan Offerings:

Purchase a Brand New Vehicle

Purchase a Second-hand Vehicle

Multi-purpose loan (your existing vehicle will be your collateral)

Loanable Amount:

Minimum loanable amount is P100,000.00

Use our loan calculator here to compute loanable amount based on your desired monthly payments.

Downpayment:

Minimum downpayment at 20% of net cash price

Loan Terms:

For Brand New vehicles:
- Minimum of 1 year
- Maximum of 5 years

For Second Hand or Refinanced Vehicles:
- Minimum of 1 year
- Maximum of 3 years

Interest Rate:

Click here to see our competitive interest rates.

Payment Convenience:

Enroll your accounts to UCPB Connect (for individuals) or UCPB CM.Biz (for corporations) to setup recurring monthly payments

Issue post-dated checks

Enroll your UCPB account for Automatic Debit Arrangement

Processing Requirements:
Information on personal data and income

Properly accomplished loan application form with ID of all borrowers / signatories

If employed:
- Income Tax Return or Certificate of Creditable Tax Withheld at Source for at least three (3) years
- Certificate of Employment and Salary ; payslip for the past three(3) months

Sole proprietorship:
- Income Tax Return
- Latest Audited Financial Statements
- Latest In-House Financial Statements
- Bank Statement
- List of Customers and Suppliers
- Business Name
- Certificate of Registration of Business/Trade Name with DTI
- Application of Registration of Business Name

Partnership
- Income Tax Return
- Latest Audited Financial Statements
- Latest In-House Financial Statements
- Bank Statement
- List of Customers and Suppliers
- SEC Certificate of Filing of Articles of Co-Partnership
- Articles of Partnership

Corporation
- Income Tax Return
- Latest Audited Financial Statements
- Latest In-House Financial Statements
- Bank Statement
- List of Customers and Suppliers
- SEC Certificate of Filing of Articles of Incorporation
- Articles of Incorporation
- Corporate By-Laws

Information on collateral

If loan is for refinancing

Insurance Requirements

Comprehensive insurance policy from any reputable insurance companies on the first year

Comprehensive insurance policy from any of the UCPB-Accredited insurance companies on the succeeding years.

Interested in UCPB Auto Loans?

Download the application form here (Individual / Corporate)

Send by email to Mr. Bing Palanca at frpalanca@ucpb.com

Send by fax to (02) 811-9106 or 811-9107

Or contact your nearest UCPB branch to learn more.

Still looking for a car? View UCPB’s assets for sale here.

Back to Back Loan

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Loan against your UCPB deposits.
1. The UCPB Back to Back Loan is a one-time loan transaction with a validity of one year.
2. Your loan collateral is your deposit with UCPB.
3. It is ideal for short-term capital requirements.
4. Available in Pesos and US$
5. It may be payable partially during the life of the loan or in full upon maturity.

Click here to contact your nearest branch to learn more about UCPB's Back to Back Loans.

Home Loan
Own your dream house or renovate your home with the UCPB Home Loan!
If you have been employed or in business for at least 2 years with a minimum gross monthly income of P50,000.00, you are qualified to apply for a UCPB Home Loan.

Learn More...

Please choose from UCPB Home Loan Offerings:

Purchase a residential lot, house and lot, condominium or townhouse

Construct a house on your already-owned lot

Renovate or expand your existing house

Refinance an existing mortgage

Multi-purpose loan (your existing home will be your collateral)

Loanable Amount:

Minimum loanable amount is P500,000.00

Use our loan calculator here to compute loanable amount based on your desired monthly payments.

Loan Terms:

Loans shall be payable for a maximum of 15 years in equal monthly amortizations

Interest Rate:
Click here to see our competitive interest rates.

Payment Convenience:

Enroll your accounts to UCPB Connect(for individuals)or UCPB CM.Biz (for corporations) to setup recurring monthly payments

Issue Post-Dated checks

Enroll your UCPB account for Automatic Debit Arrangement

Processing Requirements:
Information on personal data and income

Properly accomplished loan application form with ID of all borrowers / signatories

If employed:
- Income Tax Return or Certificate of Creditable Tax Withheld at Source for at least three (3) years
-Certificate of Employment and Salary ; payslip for the past three (3) months

If in business:
- Income Tax Return and Audited Financial Statement for three (3) years
- In-House Financial Statements for at least three (3) years (if necessary)
- Certificate of Business Registration (SEC / DTI)
- Articles of Incorporation / Partnership and By-Laws
- Business Background / Company Profile
- List of major suppliers and customers (pls. indicate telephone number and contact person)

Additional requirements
- Marriage Contract (if applicable)
- Bank Statements / Certification
- Titles to properties owned but not offered as collateral (if any)
- Lease contracts of income generating properties (if any)
- OR/CR of vehicles owned (if any)
- Stock Certificates (if any)

Information on collateral property

Photocopy of the title

Certified lot plan and location / vicinity map

If loan is for construction / renovation, Bill of materials, Building plans and specifications

If loan is for refinancing

Statement of account from the creditor / mortgagor

Insurance Requirements

Mortgage Redemption Insurance (MRI) which shall guarantee the payment of the outstanding real estate loan in case of death of the principal borrower before the maturity of the loan. This shall be compulsory to all borrowers regardless of age.

Fire insurance coverage on the improvement equivalent to its appraised value. Premium payments shall be paid annually by the borrower

Interested in UCPB Home Loans?
Download the application form here
Send by email to crc@ucpb.com / Send by fax to (Ms. Lee to check with CRC)
Or contact your nearest UCPB branch to learn more.

Still looking for a house or condominium unit? View UCPB’s assets for sale here.

Salary LoanAre your employees always asking for cash advances?
Offer more benefits to your workforce and make it easy for them to apply for loans with special rates and flexible terms thru the UCPB Salary Loan!

Learn More...

Loanable Amount:

Minimum loanable amount is Php10,000

Maximum loanable amount is Php300,000

Use our loan calculator here to compute loanable amount based on your desired monthly payments.

Loan Terms:

Loans shall be payable for a maximum of 36 months in equal monthly amortizations

Interest Rate:

Click here to see our competitive interest rates.

Payment Convenience:

Employees shall pay thru salary deduction through the company’s HR oraccounting department

Employers shall pay monthly through any UCPB branch

Company Accreditation Requirements:

Company credit application form

Photocopy of SEC Registration Certificate

Photocopy of Articles of Incorporation

Photocopy of By-Laws

Three (3) years audited Financial Statements

Company Profile/Background of Key Officers

Company must be willing to deduct the monthly amortization from the salaries of their employees and remit the same to the Bank

Interested in UCPB Salary Loans?

Download the company accreditation application form here
- Send by email to crc@ucpb.com
- Send by fax to Personal Loans Department at 811-9103 Or contact your nearest UCPB branch to learn more.

Would you like UCPB to compute for your company’s payroll, prepare payslips, deduct government contributions and more? Learn more about UCPB Payroll Max.

Small Business Loan (SBL)
Fund your working capital, expand your business or purchase equipment for your business with the UCPB Small Business Loan!

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The UCPB Small Business Loans
1. Fund your business expansion
2. Acquire fixed assets
3. Settle trade payables

Loan Amount:

Minimum of P500,000

Maximum of P10M if property for mortgage is within Metro Manila or key provincial cities

Maximum of P5M if property for mortgage is located outside Metro Manila or key provincial cities

Term:

Promissory Note Line

Minimum of 180-day Promissory Note

Term Loan:

Minimum of 1 year

Maximum of 5 years

Acceptable Collateral:
Residential or Commercial properties Click here to contact your nearest branch to learn more about UCPB's Small Business Loans.

UCPB Credit Card
Introducing the new UCPB Credit Card!
Use anywhere in the world with MasterCard's more than 30 million merchants and 100,000 merchants in the Philippines
- 24-hour Customer Service worldwide
- Extensive Rewards Program with 1 point for every P30 spent
- Citi One Bill for automatic payment of your utility bills
- Citi PayLite provides flexible installment payment options

Learn More...

Applicable fees and charges:
As a welcome gift, the following fees will be WAIVED for you on the first year:

Annual Membership Fee	Principal Card	Supplementary Card
Classic	P1,200.00	P600.00
Gold	P2,500.00	P1,250.00

Finance charges:

	UCPB Classic Mastercard	UCPB Gold Mastercard
Monthly Interest Rate:	3.5%	3.25%

If you are 21 to 65 years old, have a postpaid home phone and have a minimum gross annual income of at least P480,000.00 (for new card applicants) or P250,000.00 (for applicants with existing credit cards), you may apply for a UCPB Mastercard.

Download the UCPB Mastercard Application Form here and submit a photocopy of the following:

For employed applicants (any of the following):

Income Tax Return (ITR) fully signed by employee and employer with BIR or bank stamp

W-2 (BIR Form 2316)

Latest Pay Slip (within last 3 months)

Certificate of Employment stating income (Original Copy)

Last month's credit card/s statements with other banks (You must have had the credit card/s for at least 12 months and credit card/s must be of current standing)

Car Registration with Official Receipt of car models not older than 36 months (Not valid for residents of Davao City and Cagayan De Oro City)

For self-employed applicants:

Latest Audited Financial Statement (AFS) with BIR or bank stamp

Latest Income Tax Return (ITR) with BIR or bank stamp (2 pages)

Optional requirements (for quicker processing)

Last month's credit card statement/s (must have had the credit card/s for at least 12 months and credit card/s must be of current standing), or

Car registration with official receipt of car models not older than 36 months (not valid for residents of Davao City and Cagayan De Oro City)

ID requirement:

2 valid IDs, one of which must be a photo-bearing primary ID, photocopied on both sides

If the applicant is a foreign national, in addition to the documents above, a photocopy of any of the following must be submitted:

Visa and Working Permit (with validity of 1 year and not expired at the time of application)

Immigration Certificate of Residence (ICR)

EO226 Pay your UCPB Mastercard bill online thru UCPB Connect!