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Personal

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Personal

BDO Personal Loan

APR

25.98–26.76%

Amount

₱10k–₱2M

Term

6–36 mo

Speed

5-7 banking days

Best for: This loan is best for individuals looking for significant funding up to ₱2 Million with manageable repayment terms.

Minimum gross monthly income ₱15,000 · At least 2 years with current employer · Valid government-issued ID

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Personal

PSBank Flexi Personal Loan

APR

41.29–42.88%

Amount

₱20k–₱250k

Term

24–36 mo

Speed

5-9 working days

Best for: Individuals with a stable income of at least ₱15,000 monthly who need a short-term loan for urgent personal expenses.

Age 22 to 54 at time of application · Employed: at least 2 years permanent status with 1 year at current employer · Self-employed: business operating profitably for the last 3 years

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Personal

CIMB Personal Loan

APR

18.0%

Amount

₱30k–₱1M

Term

12–60 mo

Speed

Varies (app-based credit assessment)

Best for: Individuals earning at least ₱15,000 monthly who need quick access to cash for emergencies or personal projects.

Filipino citizen and non-US person · 21 years old up to 65 at loan maturity · Minimum gross monthly income ₱15,000

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Personal

UnionBank Personal Loan

APR

31.22–31.98%

Amount

₱20k–₱2M

Term

12–60 mo

Speed

3-5 banking days

Best for: This loan is best for individuals seeking quick access to funds without collateral and who can meet the income requirements.

Minimum gross monthly income ₱15,000 · Employed or self-employed · Filipino citizen 21-65 years old

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Personal

EastWest Personal Loan

APR

39.82–47.03%

Amount

₱25k–₱3M

Term

12–60 mo

Speed

5-7 banking days

Best for: Individuals earning at least ₱25,000 monthly who need a significant personal loan without collateral.

Filipino citizen or permanent-resident foreigner · At least 21 years old at application and not older than 65 at loan maturity · Minimum gross monthly income ₱25,000

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Personal

Metrobank Personal Loan

APR

30.52–33.32%

Amount

₱20k–₱2M

Term

12–36 mo

Speed

7 banking days

Best for: This loan is ideal for those with a strong credit profile seeking funding for personal ventures such as education, travel, or other milestones.

Minimum gross monthly income ₱15,000 · At least 2 years with current employer · Valid government-issued ID

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Personal

SB Finance Personal Loan

APR

39.43%

Amount

₱30k–₱3M

Term

12–36 mo

Speed

1-3 business days

Best for: This loan is ideal for individuals looking to cover various financial needs like education, business, or debt consolidation, especially for credit card holders.

Minimum gross monthly income ₱12,000 (₱15,000 Metro Manila) · Filipino citizen 21-60 years old · Employed or self-employed

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Personal

BPI Personal Loan

APR

28.67–31.72%

Amount

₱20k–₱3M

Term

12–36 mo

Speed

2-3 banking days

Best for: This loan is best for individuals with high credit scores seeking substantial amounts, up to ₱3 million, for various personal needs.

Minimum gross monthly income ₱15,000 · At least 1 year with current employer · Valid government-issued ID

Check eligibility →

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Navigating Personal Loan Options: What Works for You

Explore personal loans with APRs from 26.74% to 33.6% and amounts up to $2,381,250. Find the best fit for your financial needs.