Are Filipinos Ditching Cash for Credit Cards in 2025?
The Philippines is going through a quiet money revolution. From government changes to pandemic habits that stuck around, here's why Filipinos are s...
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📊 Personal Loan Calculator
Calculate your monthly payments and total interest to help you choose the right loan amount and term.
Monthly Payment:
₱23,648
Total Interest:
₱67,552
Total Amount:
₱567,552
Interest as % of Loan:
13.5%
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Bank Criteria
Logo
Product Name
Processing Fee
Loan Amount
Interest Rate
Loan Terms
Qualifications
Approval Time
Apply
| Bank Criteria | Logo | Product Name | Processing Fee | Loan Amount | Interest Rate | Loan Terms | Qualifications | Approval Time | Apply |
|---|---|---|---|---|---|---|---|---|---|
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Traditional
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BDO Personal Loan
Excellent for High Loan Amounts |
₱1,300 (deducted from loan proceeds)
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₱10,000 - ₱2,000,000
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6months - 1.30% 12months onward - 1.25%
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6 - 36 mos.
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High Approval Odds
-Must be 21 years old at time of application but not more than 60 years old upon loan maturity -Appl... |
7-10 banking days
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Traditional
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BPI Personal Loan
Excellent for Low Interest Rates |
₱1,500 (deducted from loan proceeds)
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₱20,000 - ₱3,000,000
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around 1.2%
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12 - 36 mos.
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Medium Approval Odds
Age. : 21 to 60 years old upon loan maturity. Citizenship. : Must be a Filipino citizen... |
5–7 bank days; longer if non-prequalified
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Traditional
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EastWest Personal Loan
Excellent for Low Interest Rates |
₱1,900 (deducted from loan proceeds)
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₱25,000 - ₱3,000,000
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1.79% to 2.00%
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12 - 60 mos.
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High Approval Odds
Applicant must: Be a Filipino citizen or Foreign National permanently residing in the Philippines. B... |
5–7 banking days
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Traditional
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HSBC Personal Loan
Excellent for Low Interest Rates |
₱1,500 (deducted from loan proceeds)
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₱30,000 - ₱500,000
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as low as 0.65% From Loan Amortization Table 6mos - 1.29% to 1.79% 12mos - 1.22% to 1.71% 18mos - 1.21% to 1.72% 24mos - 1.22% to 1.74% 36mos - 1.25% to 1.80%
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6 - 60 mos.
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Medium Approval Odds
To be eligible you must: • Be a permanent resident of the Philippines residing at least 3 years in... |
5–7 banking days
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Traditional
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Maybank Personal Loan
Excellent for Low Interest Rates |
₱2,000 Metro Manila/ Major Cities) ₱3,000 in other areas (deducted from loan proceeds)
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₱50,000 - ₱1,000,000
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1.30%
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12 - 36 mos.
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Medium Approval Odds
-You should be a Filipino citizen, at least 23 years old but not older than 65 years old when your l... |
7–9 banking days
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Traditional
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Metrobank Personal Loan
Excellent for Flexible Terms |
₱1,500 (deducted from loan proceeds)
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₱20,000 - ₱1,000,000
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12 & 18 mo: 1.75% 24 mo: 1.50% 36 mo: 1.25%
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12 - 36 mos.
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Medium Approval Odds
Age: 21 years old and above, but not older than 65 years old upon loan maturity. Citizenship: Filipi... |
~7 business days
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Traditional
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PNB Personal Loan
Excellent for High Loan Amounts |
₱1,500 (deducted from loan proceeds)
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₱10,000 - ₱2,000,000
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1% - 2%
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3 - 60 mos loans ≤ ₱500k: up to 36 months loans > ₱500k: up to 60 months
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High Approval Odds
Filipino citizens At least 21 years of age,but not more than 65 years of age upon loan maturity Empl... |
Contact bank
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Traditional
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RCBC Personal Loan
Excellent for Low Interest Rates |
₱1,500 or 1% of the loan amount (capped at ₱5,000) (whichever is higher) (deducted from loan proceeds)
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₱20,000 - ₱5,000,000
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0.90% - 1.7%
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6 - 36 mos
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Medium Approval Odds
At least 21 years old upon application and at most 70 years old upon loan maturity With Permanent em... |
5–21 banking days (quicker via Pulz)
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Traditional
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Security Bank Did not Lend directly, they refer/endorse the application to SB Finance
Excellent for Low Interest Rates |
Medium Approval Odds
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Contact bank
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Traditional
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Unionbank Personal Loan
Excellent for Low Interest Rates |
₱1,750 (deducted from loan proceeds)
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₱50,000 - ₱2,000,000
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1.29%
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12 - 60 mos.
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Medium Approval Odds
You are at least 21 to 65 years old. You are a Filipino resident or a local resident foreigner with ... |
24hrs
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Traditional
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Chinabank Savings Easi-Funds Personal Loan
Excellent for Low Interest Rates |
₱2,000 or 1% of the approved loan amount—deducted from proceeds at disbursement
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₱30,000 - ₱1,000,000
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1.55%
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12 - 36 mos.
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Medium Approval Odds
Filipino citizen Permanent and Locally employed (not applicable to Seaman / OFW's) Between 21 to 60 ... |
Contact bank
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Digital
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Go Tyme Don't have personal loan
Excellent for Low Interest Rates |
Medium Approval Odds
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Contact bank
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Digital
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Billease Cash Loan Need to unlock first - Billease Cash Loan
Excellent for Fast Digital Processing |
0 - 10% of the loan amount (deducted from loan proceeds)
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up to ₱40,000
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3.49%
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1 - 12 mos.
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Medium Approval Odds
Must have an approved Billease account with available unused limit |
Immediate
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Digital
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Maya Bank Personal Loan
Excellent for Low Interest Rates |
Waived (early access promo)
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₱15,000 - ₱250,000
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as low as 0.77%
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6 - 24 mos.
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Medium Approval Odds
👌 are 21 to 65 years old 🇵🇭 are a Filipino citizen living in the Philippines 💯 have an u... |
Immediate
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Digital
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Uno digital bank UNOBank Loan
Excellent for Low Interest Rates |
₱500 or 3% of loan amount (whichever is higher) (deducted from loan proceeds)
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₱10,000 - ₱250,000
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as low as 1.79%
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6 - 36 mos.
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High Approval Odds
UNO Loan is available to applicants who meet ALL the criteria below: Individuals At least 21 years o... |
5-7 banking days
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Digital
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Salmon Bank Need to unlock first [selective clients] - Salmon Cash Loan (its like credit card)
Excellent for Low Interest Rates |
Not available
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Not available
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Not available
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4 - 12 mos.
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Medium Approval Odds
you must be a Filipino citizen aged 18 or above with a stable income, whether from employment, self-... |
Contact bank
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Digital Lending
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SBFinance Personal Loan
Excellent for High Loan Amounts |
₱5,000 (deducted from loan proceeds)
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₱30,000 - ₱2,000,000
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2% - 5%
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12 - 36 mos
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Medium Approval Odds
At least 21 years old at the time of application, but not more than 65 years old upon loan maturity.... |
5-7 banking days
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Digital
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Tonik Credit Builder Loan (formerly Quick Loan)
Excellent for Fast Digital Processing |
₱5,000 (deducted from loan proceeds)
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₱5,000 - ₱20,000
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from ~4.84%
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6 - 12 mos
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High Approval Odds
Age: 23–58 years old Citizenship/Residency: Filipino resident or approved foreign national in PH M... |
Instant to 2 days
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Digital
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CIMB Bank Personal Loan
Excellent for Low Interest Rates |
depends on CIMB Calculation
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₱30,000 - ₱1,000,000
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1.12% - 1.95%
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12 - 60 mos.
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High Approval Odds
The criteria to be eligible for a CIMB Personal Loan are as follows: 1) Individuals only 2) Applican... |
Contact bank
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Digital
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CIMB Bank REVI Credit (credit line)
Excellent for Fast Digital Processing |
depends on CIMB Calculation
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₱1,000 - ₱250,000
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0% - 3%
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6 - 36 mos
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High Approval Odds
To be eligible for REVI Credit, you: 1. Must be an Individual 2. Must be a Philippine citizen and a ... |
Contact bank
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Digital
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Tala Cashloan
Excellent for Low Interest Rates |
3.99% of the loan amount (not deductable to loan amount proceeds, it is included in repayment)
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₱1,000 - ₱25,000
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-
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15 and 61 days
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Medium Approval Odds
vailable to Filipino citizens aged 18+ with a valid government-issued ID |
Instant
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Digital
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Gcash Gloan
Excellent for Low Interest Rates |
3% of the loan amount (deducted from loan proceeds)
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₱1,000 - ₱125,000
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1.59% - 6.99%
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5 - 24 mos
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Medium Approval Odds
Individuals only • Age requirement: Applicant must be at least 21 years old and no older than 65 a... |
within 24hrs
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Digital
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Atome Cashloan
Excellent for Fast Digital Processing |
1% - 5% of the loan amount (deducted from loan proceeds)
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up to ₱55,000
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1% - 6%
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up to 12 mos
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Medium Approval Odds
Registered Atome user with past in-app transactions At least 18 years old with a valid PH ID Has a b... |
within 24hrs
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Digital
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SeaBank SeaBank Credit
Excellent for Fast Digital Processing |
₱0.00
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₱1,000 - ₱100,000
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2.95%
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3 - 12 mos
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Medium Approval Odds
1. Filipino Citizen 2. Age 21 & above 3. With Verified Seabank Deposit Account This service is curre... |
Instant
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Traditional
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CTBC Don't have personal loan
Excellent for Low Interest Rates |
Medium Approval Odds
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Contact bank
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Traditional
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Welcome Bank Personal Loan
Excellent for Low Interest Rates |
3% of the loan amount (deducted from loan proceeds)
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₱50,000 - ₱1,000,000
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1.39% - 1.99%
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12 - 36 mos
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Medium Approval Odds
Filipino Citizen, at least 21-65 year of age Employed for at least 2 years and with minimum of P20,0... |
a. Loan process depends if the client submitted all the complete documents and participate in credit verifications. b. For smooth transaction it may run for 1-3 working days
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Traditional
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PSBank Flexi Personal Loan Fixed Term
Excellent for Low Interest Rates |
₱1,500 or 1% of credit line (whichever is higher) (deducted from loan proceeds)
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₱20,000 - ₱250,000
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1.75%
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24 - 36 mos
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Medium Approval Odds
Filipino individuals residing in the Philippines Age of borrower should range from 22 years old to 5... |
3–5 working days to approval
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Loan Qualifying Criteria
✅ Do You Qualify?
- 🎂 Age 21–65
- 🇵🇭 Filipino citizen or permanent resident
- 💼 Stable income (₱15,000–₱30,000 monthly, depending on lender)
- 📅 At least 2 years employed or 3 years self-employed
- 📈 Good credit history + complete documents
⭐ Benefits of Personal Loans
- 💰 No collateral needed (unsecured)
- 📉 Lower rates than credit cards
- 📅 Fixed monthly payments (predictable)
- ⚡ Fast approval with digital banks
- 🧱 Flexible use (debt consolidation, medical, home, etc.)
How to Choose the Right Loan
Typical PH rates range from 1.75%–40% per year. Compare across lenders.
Higher amounts = stricter approvals. Longer terms = lower monthly payments but more interest overall.
Check processing, late fees, prepayment penalties. Some lenders waive fees during promos.
Digital banks often approve in hours; traditional banks may take days.
Stick with institutions known for transparent terms and good service.