Fully automated application via RCBC Pulz
Auto-deduction every due date
Funds are deposited to your account in just a few seconds!
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RCBC depositors and home loan borrowers who meet the credit criteria are qualified for an RCBC Digital Personal Loan.
Qualified RCBC customers will receive a notification via SMS, email, or a pop-up ad through the RCBC Pulz app.
The amount that can be availed is customized per RCBC customer. You may check the RCBC Personal Loan offer page in RCBC Pulz to view how much you can avail.
The add-n rate per month ranges from 0.90% to 1.10%. The processing fee is 1% of the amount you availed or ₱1,500, whichever is higher, but will not exceed ₱5,000. This will be deducted automatically from your loan proceeds.
Yes, you may only avail of the RCBC Digital Personal Loan through RCBC Pulz. Simply download the RCBC Pulz app from the App Store or Google Play Store. Once downloaded, click the pop-up ad upon logging in or go to the Loans tab> click Link/Apply my Loan > Click RCBC Personal Loan.
Afterward, you just need to select an appropriate loan amount and loan term, fill out some necessary information, and review and agree to the loan documents (Promissory Note and Disclosure Statement).
You will get the proceeds, net of fees, in an instant. You will receive this as soon as you agree with the Terms and Conditions, Promissory Note, and Disclosure Statement.
Yes, for as long as you maintain a good credit standing with RCBC. However, existing Personal Loan and Salary Loan borrowers are ineligible for an RCBC Digital Personal Loan.
No, you cannot. There is no overlap between the Digital Personal Loan database with Payday NOW/Salary Loan.
We’ve made it easy for you to pay your loan as this will be automatically deducted from your RCBC Savings or Checking Account (CA/SA).
You may refer to RCBC Pulz for your payment schedule and payment progress.
You can withdraw cash through any RCBC ATMs or ATM Go Terminals. You can also transfer your funds to your other RCBC accounts or other bank accounts in the RCBC Pulz app via PESONet or InstaPay.
Your RCBC savings or checking account will still be deducted. The amount will still be debited up to the existing balance of the account. Should there be a credit to your CA/SA account, RCBC will process the unrecovered/unpaid amount for debiting.
If you have any unpaid amortization due, you will be charged with a late penalty fee of 5% per month. Below are the steps to check missed and partial payments and all statuses of your monthly amortizations:
You ay direct to the PLSL Customer Service at (02) 8888-1895 or loansservices@rcbcbankard.com.