Pan Oceanic Bank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

Pan Oceanic Bank lends directly to employed borrowers in the Solomon Islands at an APR of 13%. It suits salaried public and private sector staff who contribute to the National Provident Fund and hold an account with the bank, and anyone planning home improvement work.

Key facts

Best for
A personal, secured or business loan for salaried staff who already bank with Pan Oceanic Bank.
APR
13% (Source, checked September 26, 2026)
Loan amount
SBD 200 to SBD 100,000 (Source, checked September 26, 2026)
Term
1 to 120 months (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Fast Loan Disbursement (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
All employed persons in the government sector (SIG) and in the private sector who contributes for the National Provident Fund; minimum fortnight net salary SBD 1,200 or more; not more than 50 years of age; must maintain an account with POB (Source, checked September 26, 2026)
Loan types
Personal, Secured, Business (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Pan Oceanic Bank Limited (Source, checked September 26, 2026)
Headquarters
Solomon Islands (Source, checked September 26, 2026)
Founded
2014 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Official website
pob.com.sb

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInXfacebook.com

Pros and cons

Pros

  • Direct lender across personal, secured and business loans, so one bank handles the application.
  • Quick payout, with funding time of Fast Loan Disbursement.
  • Support runs on email, phone and help centre.

Cons

  • APR of 13% against a site median of 12%, so the cost sits above the middle.
  • A hard credit check on every application.
  • Eligibility asks for employment, a National Provident Fund contribution, a minimum fortnight salary, a minimum age and a bank account with the bank.
Pan Oceanic Bank

Ready to try Pan Oceanic Bank?

Scored 8.8 / 10 by BorrowCue.

See alternatives

Who it suits

  • Salaried government or private sector workers who contribute to the National Provident Fund.
  • Home improvement projects, the listed use case at home improvement.
  • Borrowers who want a longer repayment, since terms run 1 to 120.

Who should look elsewhere

  • Borrowers chasing a lower entry rate can compare Cashspace at PHP 12 to PHP 36 and Monzo Flex at 10% to 23%.
  • Applicants outside the eligibility the bank sets, which asks for employment, a provident fund contribution and an account with the bank.

Safety and regulation

Pan Oceanic Bank is a direct lender, so applications, pricing and disbursement sit with the bank rather than a broker or a marketplace. The Central Bank of Solomon Islands is the regulator that licenses and supervises banks in the country. That licence is what sits behind the brand name when you check who holds your money and who you repay.

Who runs it

The legal entity behind the brand is Pan Oceanic Bank Limited, based in Solomon Islands and founded in 2014. Support runs on email, phone and help centre, so a borrower can reach the bank by email, by phone or through the online help centre. It is a bank that lends its own money rather than a site that introduces you to lenders.

How Pan Oceanic Bank compares

Where Pan Oceanic Bank is available

Available
Solomon Islands
Licence in Solomon Islands
Central Bank of Solomon Islands, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can I borrow from Pan Oceanic Bank?+

Loan amounts run SBD 200 to SBD 100,000 with terms of 1 to 120, so the balance and the repayment schedule can be set around your salary. The bank lends as a direct lender, so the agreed size and length come from its own range rather than a broker's panel.

What rate do I pay on a Pan Oceanic Bank loan?+

The published rate is an APR of 13%. For context, the median APR across the brands listed here is 12%, and Pan Oceanic Bank ranks at position 196 of 350 brands on that measure. A single published rate keeps the quote easy to compare.

Does Pan Oceanic Bank run a credit check?+

Applications carry a hard credit check, and 72.7% of the brands listed here do the same, where 20.4% use a soft prequalification instead. Eligibility also asks for employment and a bank account with the bank.

Who can apply for a loan from Pan Oceanic Bank?+

Pan Oceanic Bank is based in Solomon Islands and lends to employed people. Eligibility asks for a job in the government sector or the private sector, a contribution to the National Provident Fund, a minimum fortnight net salary, a minimum age, and an account with the bank maintained.

What kinds of loans does the bank offer?+

The range covers personal, secured and business, so personal, secured and business borrowers are all served. Home improvement is the stated use case at home improvement, and terms run 1 to 120 across the products. Each application is assessed by the bank itself.

How do I contact Pan Oceanic Bank?+

Support runs on email, phone and help centre, so you can reach the bank by email, by phone or through the online help centre. The legal entity behind the service is Pan Oceanic Bank Limited, based in Solomon Islands, so queries go to the lender rather than to a broker.

How quickly does the money arrive?+

Funding time is listed as Fast Loan Disbursement, so the payout is positioned as quick once a decision is made. Applications run a hard credit check first, and the bank asks that you already hold an account with it. If a stage slips, support runs on email, phone and help centre.

Who regulates the bank?+

The Central Bank of Solomon Islands is the regulator named for the brand, licensing and supervising banks in the country. Pan Oceanic Bank Limited was founded in 2014 and operates from SB, and it is listed as a direct lender.

Sources

  • pob.com.sb/company-profile checked September 26, 2026

    Backs: Founded

    “Founded in 2014, POB Solomon Islands has quickly become one of the country's best-performing banks”

  • pob.com.sb/compliance-status checked September 26, 2026

    Backs: Headquarters, Legal entity, Licences

    “whose principal place of businesses in Solomon Islands”

  • pob.com.sb/frequently-asked-questions checked September 26, 2026

    Backs: Eligibility

    “(a) Their minimum fortnight net salary should be SBD 1,200 or more, (b) They should be not more than 50 years of age, (c) They should be maintaining an account with POB”

  • pob.com.sb/interest-rates checked September 26, 2026

    Backs: APR

    “PERSONAL LOANS AGAINST NPF - PERSONAL(NPF) 13%”

  • pob.com.sb/loan-calculator checked September 26, 2026

    Backs: Loan amount, Credit check, Term

    “$200 $82,000 $100,000”

  • pob.com.sb/service-types/loan checked September 26, 2026

    Backs: Loan types

    “Home Loan; Personal Loan (NPF); Trade Loan; Commercial Loan”

  • pob.com.sb/service/personal-loan checked September 26, 2026

    Backs: Funding time, Lender type, Support channels, Use cases

    “Fast Loan Disbursement”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Representative example.

Pan Oceanic Bank

Pan Oceanic Bank

A personal, secured or business loan for salaried staff who already bank with Pan Oceanic Bank.

8.8/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings