How Can I Avoid Delays in my Application?

The Bukas student loan application process usually takes around 3-5 working days (excluding weekends and holidays). However, it may take longer than usual due to a high volume of applications or if there are required revisions to an applicant's profile or application. To speed up the application process and avoid delays, please take note of the following tips:

(1) Take a proper selfie with a valid ID

• Make sure to upload a clear photo of the applicant holding their ID.
• The details on the ID should be readable, and the face should be fully visible. Do not cover any part of the ID or face.
• Use the back camera of a phone to take the photo for higher image resolution.
• Remove the ID from its case.
• Applicants can take a selfie with any government-issued valid ID.

(2) Make sure that your proof of residence is acceptable

• The address on the proof of residence should exactly match the address stated on the Bukas profile.
• The proof of residence should be one of the following documents:
  • Barangay Certificate
  • Water Bill *
  • Electricity Bill *
  • Landline Phone Bill *
  • Postpaid line bill *
  • Internet Bill *
  • Bank statement with Address *
  • Credit Card Statement of Account (SoA) *
  • Lease Contract
• The uploaded file must show the entire page of the proof of residence, not just a portion of it. Do not fold or cover any part of the proof of residence.
• A proof of residence may be named under the applicant (borrower) or their co-borrower. However, if the proof of residence is not named under either, please send an email to [email protected] with another proof of residence and state the relationship with the owner of that document.
• When uploading files, ensure a stable internet connection and that the files do not exceed 10MB. Applicants can also try logging in to a different device when re-uploading files.

(3) Make sure that your proof of income file is acceptable

• Make sure that the details on the proof of income match exactly with the details on the Bukas profile.
• The guarantor's proof of income should be one of the following documents:
  • If Employed:
  • Income Tax Return BIR 2316
  • Certificate of Employment with monthly incom
  • Payslips (Official copy/ Screenshot on employee portal)*
  • Payroll bank account statement, web screenshots of online banking payroll credits, or mobile banking app
• If Self-Employed or Has Own Business:
  • DTI Permit
  • City Business Permit
  • Barangay Business Permit
  • Bank Statements
  • Income Tax Return 1701
  • Audited Financial Statements (Balance Sheet, Income Statement, Cash Flow Statement, Statement of Changes in Equity, and Notes to Financial Statements)
• If OFW:
  • Employment Contract
  • Remittance Receipts*

Provide all required information and upload all required documents

• Avoid answering "none" or "NA," especially on required fields. Provide all the information asked to avoid delays.
• Avoid using abbreviations, especially for business names and landmarks; write the complete name.
• Follow the following formats for the address:
  • Address Line 1: Enter the street address on the address line 1 field.
  • Address Line 2: Apartment, building, unit or floor, barangay, city, and province
  • Sample arrangement: 8888, Eski Street, Jade Apartment, Brgy. Olympia, Makati City, Metro Manila
• - In uploading files, ensure a stable internet connection and that the files do not exceed 10MB. Applicants can also try to log in to a different device to upload files with ease. For faster transactions, it would be best to attach a screenshot of the scenario and the files to be uploaded for faster processing.

*These documents must be dated within the last 3 months.

Note that all loan offers are conditional. As long as a loan has not yet been disbursed to the school, Bukas Finance Corp. reserves the right to withdraw any loan agreement. Please read the Terms and Conditions as well as the Disclosure Statement provided before proceeding with any loan transactions. If there are any further questions, please feel free to reach out to our team by filling out this form.