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Compare cash loans, bank financing and member loans in the Philippines. Choose an amount and repayment period, then check requirements before starting a loan application.

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67 companies to compare

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ACOM

Revolving Cash Loan

Finance company
Loan amount₱500,000from ₱5,000
Term—
Interest rate4.988%monthly
Monthly repayment—
Requirements & documents

Who can apply

  • Filipino citizen, age 21–65, at least three months employment. The page describes net monthly pay above ₱10,000.
  • Personal email, active phone and workplace contact details required.

Documents to prepare

  • Government ID, income and employment proof, TIN/SSS evidence if not shown in the other records, selfie holding the primary ID.
Apply now
BDO

Auto Loan

Bank
Loan amount—
Term—
Interest rate—
Monthly repayment—
Requirements & documents

Who can apply

  • Age 21–70 at maturity, Filipino or foreign national. Gross FAMILY income at least ₱50,000/month.
  • Employees: two years with employer, business: two profitable years, overseas employees: two–three years. Pre-owned vehicle no older than six years at loan maturity.

Documents to prepare

  • Application, government ID and income proof. Business applicants: two years audited statements, latest ITR, three months bank records and registration.
  • Foreign applicants: ACR and work permit. Comprehensive insurance and vehicle registration requirements apply.
Apply now
BDO

Personal Loan

Bank
Loan amount₱2,000,000from ₱10,000
Term36 monthsfrom 12 months
Interest rate1.25%monthly add-on
Monthly repayment₱80,555.56
Requirements & documents

Who can apply

  • Age 21 at application, no older than 60 at maturity. Filipino citizen or Philippine-resident foreigner.
  • Regular employment, or at least two years of business operations. Residence or office must be in an area served by a BDO branch.
  • Employed: monthly income of at least ₱15,000.
  • Self: monthly income of at least ₱35,000.

Documents to prepare

  • Government ID, employees: latest ITR/Form 2316, full-month payslip and employment certificate.
  • Business owners: latest ITR, two years of audited statements and registration, additional records for requests above ₱1 million.

Calculated example: ₱2,900,000.00 in scheduled repayments, before additional fees.

Apply now
BDO

SME Multipurpose Loan

Bank
Loan amount—from ₱1,000,000
Term120 months
Interest rate—
Monthly repayment—
Requirements & documents

Who can apply

  • Age 21–70 at maturity. Stable income, employed applicants ₱50,000 gross/month or business annual sales ₱1 million.
  • Real-estate collateral, business must be within BDO serviceable area.

Documents to prepare

  • Application, valid ID and marriage certificate if applicable. Employee: ITR/2316 or three months payslips, plus employment certificate.
  • Business: two years audited statements/latest ITR, six months bank records and registration. Property title and collateral records required.
Apply now
BDO Network Bank

Kabayan Loan

Bank
Loan amount₱300,000from ₱30,000
Term—
Interest rate—
Monthly repayment—
Requirements & documents

Who can apply

  • OFW, ₱240,000 gross annual income equivalent. Published age range 25–70 at maturity.
  • Two years continuous skilled/professional employment, three years for domestic/unskilled workers.

Documents to prepare

  • Government ID, BDO/BDO Network Bank Kabayan Savings Account, active mobile number and Philippine home address. Additional records for non-prequalified clients.
Apply now
BPI

Housing Loan

Bank
Loan amount90% of property valuefrom ₱400,000
Term360 monthsfrom 12 months
Interest rate7%yearly · 1-year fixed
Monthly repayment—
Requirements & documents

Who can apply

  • Age 18–70 at maturity. Household income at least ₱40,000/month.
  • Eligible house/lot, townhouse, condo or vacant lot, property assessment required.

Documents to prepare

  • Application and two IDs. Employees: COE, three months payslips, ITR and verification authorization.
  • Business: registration/permit, ITR with audited accounts, six months working-account records and trade references. Property title/tax records and sale documents.
Apply now
CIMB Bank

Personal Loan

Bank
Loan amount₱1,000,000from ₱30,000
Term60 monthsfrom 12 months
Interest rate24%yearly · reducing
Monthly repayment₱28,767.97
Requirements & documents

Who can apply

  • Age 21–65 at maturity, Philippine citizen and non-US person, local address and active Philippine mobile number. Gross monthly income ₱15,000.
  • Employee: six months tenure or one continuous year, with listed corporate/payroll exceptions. Business: at least one year operating.

Calculated example: ₱1,726,077.95 in scheduled repayments, before additional fees.

Apply now
Cebuana Cycle Financing

Motorcycle Loan

Finance company
Loan amount85% of SRP
Term36 monthsfrom 12 months
Interest rate—
Monthly repayment—
Requirements & documents

Who can apply

  • Filipino, aged 21–65 at loan maturity, with at least six months of stable income.
  • Live or work in a serviceable area of Luzon; minimum 15% down payment.
  • OFWs need a local co-maker.

Documents to prepare

  • Government ID and proof of billing.
  • Payslip or employment certificate; business records or rider earnings for other income types.
Apply now
CitySavings

Motor Mo’to Motorcycle Loan

Bank
Loan amount₱300,000from ₱30,000
Term36 monthsfrom 6 months
Interest rate—
Monthly repayment—
Requirements & documents

Who can apply

  • Age 21 at application and no older than 65 at loan maturity.
  • Select an eligible motorcycle through an accredited dealer.

Documents to prepare

  • Government ID and certificate of employment or one month’s payslip.
  • Self-employed applicants: validated income and business registration; pensioners or remittance recipients: bank or remittance records.
Apply now
EastWest Bank

Home Loan

Bank
Loan amount90% of property valuefrom ₱500,000
Term360 monthsfrom 12 months
Interest rate7%yearly · 1-year fixed
Monthly repayment—
Requirements & documents

Who can apply

  • Filipino, age 21–65 at maturity, with stable income and satisfactory credit history. OFWs may apply with an authorized representative.
  • Published gross monthly income requirement: ₱40,000. Co-borrowers may be considered, confirm whose income the bank will accept.

Documents to prepare

  • Application, two IDs, civil-status and address records, plus income evidence and property title/tax documents.
  • Employees: employment certificate and three months of payslips. Business applicants: three years of tax/financial statements, six months of bank statements and registration. Construction requires additional plans.
Apply now
EastWest Bank

Personal Loan

Bank
Loan amount₱3,000,000from ₱25,000
Term60 monthsfrom 12 months
Interest rate1.79%monthly add-on
Monthly repayment₱103,700.00
Requirements & documents

Who can apply

  • Filipino or resident foreigner, age 21–65 at maturity. Basic gross monthly income at least ₱15,000.

Documents to prepare

  • Employees: ITR/2316 OR three months payslips OR employment certificate showing salary, position and start date.
  • Business: latest ITR/1701 or audited accounts, or DTI/SEC registration as listed in the application FAQ.

Calculated example: ₱6,222,000.00 in scheduled repayments, before additional fees.

Apply now
First Circle

Business Credit Line

Finance company
Loan amount₱25,000,000from ₱100,000
Term12 monthsfrom 1 month
Interest rate0.79%monthly
Monthly repayment—
Requirements & documents

Who can apply

  • Philippine-based business registered with BIR and DTI or SEC.
  • Philippine-resident applicant with government ID or Alien Registration Card.
  • B2B annual revenue from ₱1 million; B2C from ₱25 million with at least one year operating. Product eligibility is assessed by First Circle.

Documents to prepare

  • Government-issued ID
  • Latest financial statements or income-tax return
  • Three months of bank statements
  • Business registration and relevant corporate documents
Apply now
First Circle

Business Credit Plus

Finance company
Loan amount₱25,000,000from ₱1,000,000
Term24 monthsfrom 13 months
Interest rate1.29%monthly
Monthly repayment—
Requirements & documents

Who can apply

  • Philippine-based business registered with BIR and DTI or SEC.
  • Philippine-resident applicant with government ID or Alien Registration Card.
  • Annual business revenue of at least ₱5 million.

Documents to prepare

  • Government-issued ID
  • Latest financial statements or income-tax return
  • Three months of bank statements
  • Business registration and relevant corporate documents
Apply now
GSIS

Ginhawa Bike and E-Mobility Loan

Government
Loan amount₱300,000
Term36 months
Interest rate5%yearly · add-on
Monthly repayment₱9,583.33
Requirements & documents

Who can apply

  • Active eligible member with at least three years in service and a premium contribution in the previous six months.
  • No leave without pay, disqualifying case or non-housing loan default; required net take-home pay must remain.

Documents to prepare

  • Supplier quotation, or receipt in the member’s name for an eligible reimbursement.

Calculated example: ₱345,000.00 in scheduled repayments, before additional fees.

Apply now
GSIS

Ginhawa Flex

Government
Loan amount₱5,000,000
Term180 monthsfrom 12 months
Interest rate6%yearly
Monthly repayment—
Requirements & documents

Who can apply

  • At least one month of paid personal and government-share premiums; not on unpaid leave.
  • No defaulted GFAL account; agency must not be suspended.
  • Take-home pay after deductions must meet the statutory minimum. Pending administrative or criminal cases affect eligibility, except qualifying light administrative offences.
  • Paid premiums of 1–19 months: up to 1× basic monthly salary, repayable over 1–3 years.
  • 20 months to under 3 years: up to 3× salary; 3–under 5 years: 4×; 5–under 10 years: 7×. These bands allow 1–6 years.
  • 10–under 15 years: up to 10× salary; 15 years or more: 14×. These bands allow 1–15 years.
Apply now
Maya Bank

Personal Loan

Bank
Loan amount₱250,000from ₱15,000
Term24 monthsfrom 6 months
Interest rate0.77%monthly add-on
Monthly repayment₱12,341.67
Requirements & documents

Who can apply

  • Filipino resident, age 21–65, with an upgraded Maya account. Access is limited to eligible customers with an offer in the app.

Documents to prepare

  • Complete the app’s identity verification and any additional information requested for the individual offer.

Calculated example: ₱296,200.00 in scheduled repayments, before additional fees.

Apply now
Maybank

Personal Loan

Bank
Loan amount₱1,000,000from ₱50,000
Term36 monthsfrom 12 months
Interest rate1.3%monthly add-on
Monthly repayment₱40,777.78
Requirements & documents

Who can apply

  • Filipino citizen, age 23–65 at loan maturity, residence and business within the bank’s service area. Active home/office landline and mobile contact required.
  • Employees: two years with the current employer and at least ₱25,000 monthly salary. Business owners/professionals: three years in the same business or profession, business must have two consecutive profitable years.
  • Employed: monthly income of at least ₱25,000.

Documents to prepare

  • Application, two government IDs, employment certificate with compensation, latest ITR/2316, employment-verification authorization and utility bill.
  • Business applicants: registration, two years of ITR/audited statements, three months of bank statements and supplier/customer references.

Calculated example: ₱1,468,000.00 in scheduled repayments, before additional fees.

Apply now
Metrobank

Personal Loan

Bank
Loan amount₱2,000,000from ₱20,000
Term36 monthsfrom 12 months
Interest rate1.25%monthly add-on
Monthly repayment₱80,555.56
Requirements & documents

Who can apply

  • Filipino citizen, age 21–65 at maturity, gross ANNUAL income at least ₱250,000, existing credit card.
  • Regular employee with current employer for one year, business applicants: two years of business.

Documents to prepare

  • One valid government ID. The current product page advertises no income documents for application, bank assessment still applies.

Calculated example: ₱2,900,000.00 in scheduled repayments, before additional fees.

Apply now
PSBank

Flexi Personal Loan with Prime Rebate

Bank
Loan amount₱250,000from ₱20,000
Term36 monthsfrom 24 months
Interest rate1.75%monthly add-on
Monthly repayment₱11,319.44
Requirements & documents

Who can apply

  • Filipino resident, age 22–54 at application. Employees: two years permanent work, including one year with current employer.
  • Business: three profitable years. Gross monthly income ₱15,000 employed / ₱30,000 self-employed. Active cardholder preferred.

Documents to prepare

  • Application form and one primary ID or two secondary IDs, income documents subject to bank assessment.

Calculated example: ₱407,500.00 in scheduled repayments, before additional fees.

Apply now
RCBC

Auto Loan

Bank
Loan amount—
Term96 monthsfrom 12 months
Interest rate—
Monthly repayment—
Requirements & documents

Who can apply

  • Age 21+ at application and no older than 70 at maturity. Filipino/dual citizenship, or qualifying special visa.
  • Employees: one year employment, OFWs: two consecutive years abroad. Business owners: two profitable years.

Documents to prepare

  • Employees: application, COE or ITR, two government IDs, TIN and utility bill. Business applicants: registration, audited statements and ITR or bank statements.
Apply now
RCBC

Home Loan

Bank
Loan amount—from ₱300,000
Term240 monthsfrom 12 months
Interest rate—
Monthly repayment—
Requirements & documents

Who can apply

  • Age 21+ at application, no older than 70 at maturity. Filipino/dual citizen, foreign applicants must be married to a Filipino.
  • Employees: two years employment and ₱40,000 gross monthly income. OFWs: two consecutive years abroad. Business: two profitable years.

Documents to prepare

  • Application, property title and tax declaration, construction needs a bill of materials. Income, identification and business records depend on applicant type.
Apply now
RCBC

Personal Loan

Bank
Loan amount₱5,000,000from ₱20,000
Term60 monthsfrom 3 months
Interest rate0.9%monthly add-on
Monthly repayment₱128,333.33
Requirements & documents

Who can apply

  • Age 21–70 at maturity. Permanent employees: gross monthly income ₱15,000 WITH credit history, ₱25,000 without.
  • Business applicants: two profitable years, existing card or credit history, and three months bank statements.

Documents to prepare

  • Signed application, one government ID and income evidence: ITR/2316, employment certificate or payslips, as applicable.

Calculated example: ₱7,700,000.00 in scheduled repayments, before additional fees.

Apply now
Radiowealth Finance

Secured Cash Loan

Finance company
Loan amount₱5,000,000from ₱10,000
Term36 monthsfrom 3 months
Interest rate—
Monthly repayment—
Requirements & documents

Who can apply

  • Filipino, over 21, with at least two years at the current residence unless a new homeowner.
  • Vehicle OR/CR or property TCT as collateral; employees need at least one year with their employer and ₱18,000 basic monthly salary.

Documents to prepare

  • Two government IDs, proof of income and collateral ownership documents.
  • Employees: company ID, employment certificate and three months of payslips. Business owners: business registration or permit.
Apply now
SB Finance

MotorsikLOAN · regular motorcycles

Finance company
Loan amount—
Term36 monthsfrom 12 months
Interest rate2.8%monthly add-on
Monthly repayment—
Requirements & documents

Who can apply

  • Employed, self-employed or supported by OFW remittances, with evidence of income.
  • A down payment is required.

Documents to prepare

  • Government-issued photo ID.
  • Employees: latest payslip, certificate of employment or three months of bank statements.
  • Business owners: business registration and income records. OFW beneficiaries: remittance records or employment contract.
Apply now
SB Finance

Personal Loan

Finance company
Loan amount₱3,000,000from ₱30,000
Term36 monthsfrom 12 months
Interest rate2.5%monthly add-on
Monthly repayment₱158,333.33
Requirements & documents

Who can apply

  • Filipino citizen, age 21+ at application and no older than 65 at maturity, office or residence landline.
  • Employed income minimum: ₱15,000 Metro Manila or ₱12,000 outside. Self-employed: ₱60,000 gross monthly income, qualifying ownership and two profitable business years.

Documents to prepare

  • Employees: payslip, COEC, ITR or qualifying credit-card evidence. Remote workers: ID, employment records, three months pay/bank history and company email.
  • Business applicants: audited statements, registration, permit, bank statements and trade references. OFW beneficiaries have separate identity, relationship and remittance requirements.

Calculated example: ₱5,700,000.00 in scheduled repayments, before additional fees.

Apply now
SSS

Salary Loan

Government
Loan amount2 monthly salary credits
Term24 months
Interest rate8%yearly
Monthly repayment—
Requirements & documents

Who can apply

  • One-month loan: 36 posted contributions, two-month loan: 72. Both require six within the previous 12 months.
  • Self-employed, voluntary and land-based OFW members additionally need six contributions under their current membership type. Legal age and under 65, other loan, benefit and employer-remittance conditions apply.

Documents to prepare

  • Updated My.SSS contact information and an active DAEM disbursement account, employed applications require the relevant employer process.
Apply now
Security Bank

Home Loan · 1-year fixing

Bank
Loan amount—from ₱1,000,000
Term240 monthsfrom 60 months
Interest rate7.25%yearly
Monthly repayment—
Requirements & documents

Who can apply

  • Age 21–65 at maturity. COMBINED monthly income ₱50,000.
  • Two continuous years employed or three years legitimate, profitable business.

Documents to prepare

  • Signed application and government photo ID. Employees: employment certificate, ITR, three months payslips OR bank statements. Commission income needs longer records.
Apply now
Small Business Corporation

RISE UP Multi-Purpose Loan

Government
Loan amount₱20,000,000
Term60 months
Interest rate8%yearly · reducing
Monthly repayment₱405,527.89
Requirements & documents

Who can apply

  • Micro variant: at least one year operating history. First-time SME variant: at least two years. Suki is for qualifying existing borrowers.

Documents to prepare

  • ID, appropriate permit/BMBE evidence, business photos, bank details and corporate records where applicable. First-time SMEs need two years of BIR-filed financial statements, Suki and secured requests have separate evidence rules.

Calculated example: ₱24,331,673.15 in scheduled repayments, before additional fees.

Apply now
UNO Digital Bank

#UNOnow

Bank
Loan amount₱250,000from ₱15,000
Term36 monthsfrom 6 months
Interest rate1.79%monthly add-on
Monthly repayment₱11,419.44
Requirements & documents

Who can apply

  • Filipino national or resident aged at least 21 and no more than 65 at maturity, in a supported location.
  • Employees need six months of tenure. Self-employed applicants need two years of business operations.
  • Employed: monthly income of at least ₱20,000.
  • Self: monthly income of at least ₱20,000.

Documents to prepare

  • Valid ID, selfie, active mobile number and email. Prepare the income evidence requested for your employment status.

Calculated example: ₱411,100.00 in scheduled repayments, before additional fees.

Apply now

Choose a loan type

67 companies across 15 loan categories, with original sources and clear coverage gaps.

Online loans

22 companies to compare

Personal loans

12 companies to compare

Salary & member loans

9 companies to compare

Motorcycle loans

14 companies to compare

Housing loans

15 companies to compare

Car & auto loans

13 companies to compare

Business & MSME loans

16 companies to compare

Education loans

3 companies to compare

OFW & seafarer loans

3 companies to compare

Pension loans

2 companies to compare

Calamity & emergency loans

3 companies to compare

Credit lines & cash advances

5 companies to compare

Buy now, pay later

10 companies to compare

Solar & green loans

1 company to compare

Pawn & secured cash loans

5 companies to compare

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