Abutin ang pangarap na maginhawang buhay kasama ang
UP Provident Fund
About UP Provident Fund
10,464
Members as of 2024
₱3.5 Billion
Assets as of 2024
₱196 Million
Revenues in 2024
₱171 Million
Net Income in 2024
Why become a member?
4 major benefits to UPPF members
Supplement your retirement savings
Every month, UPPF members receive P300 counterpart contribution from the University. This is tantamount to receiving an additional “bonus” of P300 per month or P3,600 per year from UP.
Invest and grow your money
Your money can earn a higher rate of return compared to interest rates offered by savings and time deposit accounts. In previous years, UPPF members have earned stable returns averaging 4-8% per year.
Avail quick and easy loans
Our loans charge interest rates that are much lower than those of banks, credit cards, or cooperatives. In addition, requirements are simple, no CI or credit investigation is needed, and proceeds are released in less than a week.
Get free life insurance
All members automatically receive free life insurance coverage of P100,000. This helps protect your loved ones with some form of financial security in case of unforeseen events.
Apply for a loan
Personal Equity Loan (PEL)
Simple requirements and quick processing
- 12% interest p.a. for loans up to 3 years
- Loan proceeds released in less than a week
- Basic Requirement: 2 months most recent UP payslip
Re-Loan (RL)
Get additional loan even if your PEL is not yet fully paid
- Be able to re-loan after paying a minimum of three (3) months’ PEL amortization
- Loan proceeds released in less than a week
- Basic Requirement: 2 months most recent UP payslip
Balance Transfer Loan (BTL)
Transfer an existing bank loan and get monthly cash savings
- Loan proceeds released in less than a week
- Basic Requirements: 2 months most recent UP payslip and official Statement of Account from the bank about your loan
- Interest rate of loans to be transferred: minimum of 10% per annum, effective January 1, 2023
Bridge Loan (BL)
Loan product for members with net pay that can't anymore pay amortization
- 8% interest for a 1-year loan
- Borrow up to P25,000 or remaining loanable equity, whichever is lower
- Loan proceeds released in less than a week
- Basic Requirement: 2 months most recent UP payslip
Co-Borrower Loan (CBL)
Loan up to P100,000 with 2 co-borrowers
- With one or two co-borrowers, loan up to P100,000
- 16% interest p.a. for 3 years
- Can re-loan after paying the equivalent of 6 months amortization
Emergency Loan (EML)
Additional loan product for those with Bridge Loan (BL)
- 9% interest p.a. for 1 year
- Borrow up to P15,000 or remaining loanable equity, whichever is lower
- Loan proceeds released in less than a week