Cash Needs: PAG-IBIG Loan and Your Loan Alternatives

Ever considered getting a PAG-IBIG loan? You’re not alone. It’s a government-backed initiative designed to make homeownership a reality for all. Their loans cater to housing, calamity relief, and personal needs. But did you know, there are more options to get the financial aid you need?

Why People Consider PAG-IBIG loans

The PAG-IBIG Fund is a government initiative designed to help everyday Filipinos. Its main goal, as defined by R.A. 9679, is to create a nationwide savings system suitable for people with jobs and regular incomes. The aim is to encourage them to plan for their housing needs by becoming members of the Home Development Mutual Fund.

In simpler terms, PAG-IBIG has three key purposes:

  • To improve the lives of its citizens by helping them find decent shelter.
  • To set up a nationwide savings system that’s easy for everyone to use.
  • To make housing more accessible by collecting funds for home financing.

You can also review various PAG-IBIG loan types to see if they support your financial objectives.

PAG-IBIG Loan Types

  • Housing Loan – if you wish to purchase, construct, or improve your home or property.
  • Calamity Loan – provides assistance to those affected by disasters and calamities like typhoons.
  • Multi-Purpose Loan – for other financial needs, this PAG-IBIG loan allows you to borrow up to 80% of your savings.

Looking Beyond PAG-IBIG: Your Loan Alternatives

While PAG-IBIG loans offer help to its members, you can also look into other loans that are tailored to your specific needs::
1. Personal Loan
– While PAG-IBIG loans focus on housing, Personal Loans offer flexibility for various purposes, such as business expansion, education, travel, or medical bills.

2. OR/CR Sangla
– Options like Car4Cash let you use your car’s OR/CR as collateral without giving your vehicle up–a good option if you need to fund your immediate expenses.

3. Motorcycle Loan
– If you’re eyeing to buy a regular, mid-range, or even a high-end bike or motorcycle, a loan like the MotorsikLOAN offers financing for your dream bike.

4. Salary Advance
– When your financial emergencies can’t wait, an employee salary advance like eSALAD can provide salaried workers cash assistance with easy repayment terms.


While PAG-IBIG loans have their merits, exploring loan alternatives can offer you more convenience and flexibility, making it easier for you to achieve your specific financial objectives. When you look for alternatives, make sure to consider the legitimacy of the financial institution you’re eyeing.

At SB Finance, we aspire to be the launchpad for your dreams, providing caring and responsible assistance when you need it most. We’re also registered with the Securities and Exchange Commission (SEC) and supervised by the Bangko Sentral ng Pilipinas (BSP), so we make sure to give you:

Fair Interest Rates: No excessive repayments, just reasonable rates
Guidance in Every Step: Dedicated customer service
Legal Protection: Your rights as a borrower are safeguarded by the law
Dependable Support: Legit loan services that are helpful, especially during financial emergencies

If you need help with your loan application, reach us via email (, our Customer Service hotline at (+632) 8887-9188, or our Facebook Page (@SBFinancePH).

If you want an SB Finance Goal Consultant to guide you toward achieving your financial goal, simply answer this form, and we’ll be sure to reach out to you!

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