Free loan up to PHP 10 000, for each new client!

It is the first service that works with customers in online mode, without the help of a human operator! Its operation is fully automated. Any day of the week, regardless of time, holidays or non-working days, loans instantly. The “Robocash” is a new and improved software that can automatically study more than 1800 data of a client, based on the information of your form.

Apply now

UCPB Personal Loan in the Philippines

United Coconut Planters Bank (UCPB) is very popular in the Philippines. The bank understands your struggles during this pandemic hence they offer you UCPB personal loan. The loans are affordable and have a flexible tenure. Let’s discuss your future in detail.

UCPB was established in 1963 and it was known as Cocobank. However, over the years they’ve grown and made a name for itself in the Philippines. The firm has even been able to support government, corporate and private institutions with financial series and other products. Today the bank has moved to the online platform and now offers its products and services to various consumers. This is why they have found the bank to be reliable and accessible. One of the services the bank provides is the UCPB Personal Loan online application. The service allows you to apply for a loan from anywhere in the country.

As long as you have an internet connection you are good to go. Additionally, the UCPB Personal Loan interest rate is at 18-20% per annum. Besides that one can request a loan as much as PHP 300,000 and as low as PHP 50,000. While the loan tenure ranges from 1 to 3 years depending on the terms of the agreement.

As long as you have an internet connection you are good to go. Additionally, the UCPB Personal Loan interest rate is at 18-20% per annum. Besides that one can request a loan as much as PHP 300,000 and as low as PHP 50,000. While the loan tenure ranges from 1 to 3 years depending on the terms of the agreement.

How to Apply for a Personal Loan at UCPB?

When it comes to applying for a loan it is a simple process which takes a few minutes. In this section, we’re going to take you through the steps of applying for a UCPB personal loan.

Step 1: The first step is obtaining an application either from your nearest branch or even downloading it online. However, this applies to those who opt to visit the bank physically. On the other hand, if you’ve got a smartphone or a computer, visit the official UCPB website in the Philippines. The site will give direct access to the loan application form where you can start your UCPB Personal Loan application.

Step 2: This is where you will need to provide relevant documents for the loan to be approved. These documents must be legit and in line with the bank’s policies. This applies to those who choose to apply for the loan online. However, if you choose to visit the bank, you can still be requested a list of the documents needed. Moreover, visiting the bank physically gives you a chance to ask some of the pressing questions concerning the UCPB Personal Loan. Therefore we insist that you provide valid and legal documents since the evaluation team goes through the loan request and check the documents. If there is any that raises a red flag then your loan request shall not be approved.

Step 3: Submission of your loan request to your nearest branch or uploading the files online.

Step 4: Once you have submitted your loan request online or dropped it in a branch, the team starts to review the application. If you have applied for the funds online, the bank will then send you a notification regarding your loan status. At this point, you’ll know if your loan request has been approved or declined. However it will take 5 to 7 days to receive a response from the bank.


  • What kind of bank is UCPB?
    UCPB was founded in 1963 and was the first private Philippine bank. UCPB received its expanded commercial banking license in 1981. Today, the bank operates nationwide and provides a full range of banking services.
  • How do I contact UCPB?
    You can contact the UCPB at (02) 8811-9100 (for auto home, salary and personal loans).
  • Is UCPB a govt bank?
    UCPB is a government-owned and one of the largest banks in the Philippines.

UCPB Personal Loan Requirements

For your loan request to be approved there are several parameters you must meet. The UCPB Personal Loan requirements include the following:

  1. One must be a Filipino citizen;
  2. You should provide 2 government-issued IDs and a utility bill;
  3. The applicant should be between the ages of 23 and 65 years old. Though, if you are 70 years old and self-employed you can still qualify;
  4. One must also have a checking account and also major credit holder;
  5. You should be permanently employed for at least 2 years with a supervisory rank;
  6. An applicant should also be earning a minimum gross monthly income of PHP 30,000 for the employed;
  7. For those who are self-employed, you must have been in business for 3 years and the business must be profitable for 2 years. This should be accompanied by business registration documents such as SEC for Corporations and DTI for sole proprietors;
  8. One should provide the latest monthly statement and Income Tax Return (ITR) for those who are employed;
  9. Photocopy of checking account statements for the last 6 months and ITR documents shall be needed as well for the self-employed.
Apply now

UCPB Personal Loan Hotline

We understand that UCPB Personal Loan reviews you read on their website can’t tackle all your questions. You might need an issue tackled by financial experts to ensure you are convinced about the issue at hand. This is why they have provided you with the UCPB Personal Loan hotline. The hotline gives you access to their support team within the working hours, weekdays from 8:30 a.m. to 5:00 p.m. They are skilled and able to answer your questions correctly. The bank has even provided a UCPB personal loan contact number: (02) 811-9100 to reach them on. But, if you can’t reach them on their hotline, you could also reach them on (02) 811-9042 or 811-9059.

Disadvantages of UCPB Personal Loan

Here are some of the limitations when it comes to requesting a loan from UCPB Bank.

  1. If you need a small amount of credit the UCPB is not the place for you. The financial institution only gives a minimum loan amount of PHP 10,000. Additionally, there are personal loan fees that one will have to part with. This makes it expensive if you are looking for a small loan amount.
  2. If you need a loan for less than 1 year UCPB is not the best lender for you. The bank only deals with loans that have a tenure of 12 months minimum. Therefore, we recommend seeking short term loans from other lenders.
  3. Another thing that makes the bank unreliable is that you have to wait for 5 to 7 days for the loan decision. This means if you are seeking an emergency loan you will have to look for it from another bank or lender in the country.
  4. If you’re under 23 years old then you do not qualify for UCPB Personal Loan in the Philippines. However, other financial institutions offer loans to individuals who are at least 21 years. This particular rule locks out many entrepreneurs who are seeking funds to expand their businesses.
  5. On the other hand, if you’re not officially working then getting a loan from the UCPB Bank is impossible. The institution only offers loans to those who are employed or self-employed.
    Moreover, for the employed, you need to be having a supervisory rank and you have been employed for two years. When it comes to the self-employed, you must have been in the business for 3 years. Therefore if you are not employed or self-employed and meet the parameters then getting a loan is impossible.

How much money do you need?
10 000
Min: ₱ 1 000
Max: ₱ 10 000
You return: 10 000
All your data is under secure protection!

Alternatives for UCPB Personal Loan

It is true that UCPB is a good bank in the Philippines but their rules and regulations make it hard for one to acquire a loan. For this reason, other online financial institutions offer loans at a low-interest rate. Plus they have short term loans with flexible tenure. An online lender that offers these services is RoboCash.

RoboCash was founded in 2017 and it has grown to be one of the best online lenders in the Philippines. It provides low-interest loans and the tenure ranges from 7 to 30 days depending on the terms and conditions of the loan. Additionally, you can request a minimum loan of PHP 10,000 to a maximum of PHP 25,000. Besides that, the loan is approved within an hour upon the request being received.

The requirements that you should meet are the following:

  • You should be between the ages of 21-70;
  • A functional mobile number is also needed during the application;
  • You must be a Filipino citizen who is employed or self-employed;
  • One must provide your government issued ID card and passport during the application.

All operations are performed online - you don't have to leave your house
In only 4 minutes you can receive up to 5000 pesos in your bank account
We don't require guarantors representation, documentation, or guarantee deposits.
The service is fully automated

RoboCash Benefits

  • RoboCash doesn’t require collateral for the loan to be approved;
  • There is minimal documentation involved;
  • The loan request is approved within minutes.


UCPB is one of the most reliable banks in the Philippines and is well suited for consumers. Whether it is a corporation, government or private institution looking for financial assistance during this pandemic, the firm is ready to help. However, not all Filipino citizens meet the stringent requirements of this bank. If you have a stable but small income, or if you need a loan before your salary, we suggest applying for funds from RoboCash. This is a great solution because the approval rate for RoboCash applications is over 90%. The decision on the loan will arrive in a few minutes.

Apply now

Robocash Reviews

  • Ryan
    Robocash is one of a kind. They are true to their commitment that once u pass d review they will credit the loaned amount right away! In less than 5 mins we got the money transfered to my gf bank account. Amazing! Two thumbs up ROBOCASH!!!
  • Erica
    I tried Robocash out of curiosity. To cut to the chase, Robocash is ideal for "petsa de peligro" days where it's almost payday but also your bills is on due date because they have short payment terms (I was given 7 days term for my first loan). You can get approved as fast as 30mins and the loan will reflect immediately.
  • Sam
    I loved RoboCash not just the app but for the whole experienced that I had in applying for a loan. Hassle free and loan disbursement is as quick counting 1-2-3.

Download the Robocash mobile app and get loan instantly!

  • Borrowing 24/7
  • Approval rate over 90%
  • 1 Valid ID

Loan money online now!

Sean Martin D. Plantado

Author pages:
Sean Martin Plantado is the head of Customer Care Dept. and Online Sales Dept. of Robocash Finance Corp. creating articles, blogs, and other learning mediums that helps Filipinos struggling on their financial literacy. Sean also loves Cycling, Photography, Cinematography, Online gaming, Fine Arts, and dreams of becoming a Doctor of Veterinary Medicine.