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Personal loans

Compare personal loans for planned expenses, repairs or other cash needs. Check each company’s income requirements and compare the full repayment, not just the monthly installment.

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12 companies to compare

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We check your choices against published information. Missing terms still need confirmation, appearing here does not mean approval. How this works

Loan amount₱10,000–₱2,000,000
Term12–36 months
Published rate1.25%monthly add-on
Monthly repaymentSet your amountProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Open application

Fixed fees reduce the cash you receive. Self-employed applicants need at least two years in business. Age, residency, documents and credit checks also apply.

Requirements & eligibility

Eligibility

  • 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.

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.

Requirements checked 2026-09-30. These are published criteria, not an approval decision. Additional documents may be requested.

Estimates exclude late-payment and early-settlement charges. DST is included above ₱250,000, business-purpose loans can attract DST at any amount. This illustration assumes personal use.

Visit company website Illustration available
Loan amountUp to ₱3,000,000
Term12–36 months
Published rateIndividual quotePublished example is not your rate
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Open application

BPI offers an unsecured personal loan. Its maximum contractual-rate example is not an approved rate for every applicant, compare the disclosure statement for your offer.

Requirements & eligibility

Eligibility

  • Philippine government-issued photo ID with signature. Application and bank approval required.

Documents to prepare

  • Employees: three months payslips OR latest ITR/Form 2316 OR employment certificate.
  • Self-employed: audited financial statements (three years) OR latest ITR, plus DTI/SEC registration.

Source discrepancy: BPI’s regular page says up to 3× monthly income, a branch-campaign page says up to 6× and publishes different income criteria. Channel-specific criteria need confirmation.

Requirements checked 2026-09-30. These are published criteria, not an approval decision. Additional documents may be requested.

The maximum-rate example is not a personalized offer. Confirm your rate, processing fee, documentary tax and repayment schedule.

Visit company website Quote required
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Open application

Income and tenure rules vary for bankers, other employees, call-center staff, self-employed applicants and doctors. Serviceable-area rules and a handling fee also apply.

Requirements & eligibility

Eligibility

  • Salaried segment: age 23–65 at maturity, bankers ₱15,000 gross/month, other employees ₱20,000. Serviceable-area restriction.
  • Six months with current employer OR two years total work experience, including regular/permanent status. Call-centre, business and doctor segments have separate criteria.

Income basis: Segment-specific minimum, do not apply the bankers’ threshold to every employee.

Requirements checked 2026-09-30. These are published criteria, not an approval decision. Additional documents may be requested.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
China Bank Savings

Easi-Funds Personal Loan

Bank
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Open application

An unsecured cash loan. Confirm whether your income source and location meet the current criteria.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
EastWest Bank

Personal Loan

Bank
Loan amount₱25,000–₱3,000,000
Term12–60 months
Published rateFrom 1.79%Monthly add-on · approved rate varies
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Open application

Unsecured loan. The calculator uses a starting 1.79% monthly add-on rate, actual pricing depends on the applicant, amount and term.

Requirements & eligibility

Eligibility

  • 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.

Requirements checked 2026-09-30. These are published criteria, not an approval decision. Additional documents may be requested.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Maybank

Personal Loan

Bank
Loan amountUp to ₱1,000,000
Term12–36 months
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Open application

Maybank lists personal finance in its Philippine loan range. Confirm current application criteria and pricing directly.

Requirements & eligibility

Eligibility

  • 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.

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.

Income basis: For business applicants, the FAQ names ₱200,000 average monthly income, while the document checklist asks for ₱200,000 average monthly deposits. Confirm both tests with Maybank, deposits are not salary.

Requirements checked 2026-09-30. These are published criteria, not an approval decision. Additional documents may be requested.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Metrobank

Personal Loan

Bank
Loan amount₱20,000–₱2,000,000
Term12–36 months
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Open application

An unsecured personal borrowing option in Metrobank’s consumer loan range. Request the current rate and a full fee disclosure.

Requirements & eligibility

Eligibility

  • 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.

Income basis: ₱250,000 gross ANNUAL income, not converted to a fixed monthly salary requirement.

Requirements checked 2026-09-30. These are published criteria, not an approval decision. Additional documents may be requested.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Loan amount₱20,000–₱250,000
TermFixed-term draws: 24 or 36 months, revolving facility differs
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Open application

Offers both a revolving credit line and fixed-term drawdowns. The 24/36-month terms apply only to fixed-term draws, so the combined facility is not filtered as a single installment schedule.

Requirements & eligibility

Eligibility

  • 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.

Requirements checked 2026-09-30. These are published criteria, not an approval decision. Additional documents may be requested.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Loan amount₱20,000–₱5,000,000
Term3–60 months
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Open application

Employed applicants need at least ₱15,000 gross monthly income with credit history, or ₱25,000 without. Self-employed applicants have separate business and credit-history conditions.

Requirements & eligibility

Eligibility

  • 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.

Income basis: Employees: ₱15,000 with credit history, ₱25,000 without. Credit history is not identical to holding a card.

Requirements checked 2026-09-30. These are published criteria, not an approval decision. Additional documents may be requested.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
SB Finance

Personal Loan

Finance company
Loan amount₱30,000–₱3,000,000
Term12–36 months
Published rate2.5% monthly add-onIndicative, approved pricing can differ
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Open application

The personal loan advertised through Security Bank is provided by SB Finance. We list it once under the actual finance company.

Requirements & eligibility

Eligibility

  • 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.

Income basis: Employee threshold depends on location, which this filter does not collect.

Requirements checked 2026-09-30. These are published criteria, not an approval decision. Additional documents may be requested.

Published processing fee ₱5,000 plus ₱300 notarial fee for loans from ₱100,000. Confirm insurance, net release, effective rate and all final charges.

Visit company website Quote required
Sterling Bank of Asia

Persona Personal Loan

Bank
Loan amount₱30,000–₱1,000,000
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Open application

Persona is an unsecured personal loan for different household needs. Sterling does not require collateral or a co-maker and collects repayments through postdated checks.

Requirements & eligibility

Amount conditions: Published repayment range is 3–36 months. Confirm the available installment schedule with the bank.

Requirements checked 2026-09-30. These are published criteria, not an approval decision. Additional documents may be requested.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
UnionBank

Personal Loan

Bank
Loan amountUp to ₱2,000,000
Term12–60 months
Published rate26.90%annual contractual · sample
Monthly repaymentSet your amountProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Credit card required

A principal credit card is required. The annual gross-income threshold is ₱250,000 (about ₱20,834/month). Approval includes age, residency, documents and credit assessment.

The published example uses a 26.9% annual contractual rate. Extra initial interest depends on release and statement dates. DST may also apply. These are not included in the totals or net-proceeds estimate.

Visit company website Illustration available

What could the repayments look like?

Try different amounts, repayment periods and interest rates in the loan payment calculator. It is an independent example, not this company’s quote. A longer term can lower each payment while increasing total interest.

Already know your monthly budget? Estimate an amount you could plan around. For an actual offer, include its fees and payment schedule.

BEFORE YOU CHOOSE

What deserves a closer look

01

Use the same principal and term

A lower monthly payment over a longer period can mean a higher total cost. Compare equivalent borrowing needs first.

02

Check the income definition

Gross income, take-home pay and household income are different. A bank may also require employment tenure or business records.

03

Read the deduction list

Processing fees and applicable tax can reduce the cash disbursed while interest is charged on the full principal.

Your questions, answered.

What can a personal loan pay for?

A personal loan can help cover expenses such as medical bills, education or home improvements. Choose a purpose the lender allows and compare the repayment with your monthly budget before deciding how much to borrow.

Do I need property as collateral for a personal loan?

An unsecured personal loan does not require you to pledge a property. Secured borrowing does. Check the specific offer in our comparison because a company may provide both, with different documents and risks.

Can a self-employed person apply for a bank personal loan?

Yes. BDO is one option in our comparison that accepts qualifying self-employed applicants. Prepare business and income records rather than employee payslips. Required operating history and accepted evidence differ between companies.

What income documents should an employee prepare?

Prepare valid identification and evidence of regular income, such as recent payslips, an employment certificate and tax records. The exact combination depends on the lender. Use the checklist in the company profile, then confirm any missing items before applying.

Why is the cash released less than the approved loan?

Processing fees, insurance or applicable taxes may be taken out before release. Ask for the net amount you will receive. If you need a specific cash amount, an approval for that amount may leave you short after deductions.

Is monthly add-on interest comparable with an annual bank rate?

Not directly. They use different periods and calculation bases. Compare effective interest rates, net proceeds and total payments for the same term.

How are personal loan repayments collected?

Repayment may be collected by automatic bank deduction or another approved payment channel. Confirm the account, due date and payment processing time. Keep enough money available before the debit and retain your payment records.

Can I pay a personal loan off early?

Ask for a dated settlement quote before paying. Check any prepayment charge and whether paying extra reduces principal or merely advances installments.

Does Pesopal approve personal loans or lend me money?

No. Pesopal compares personal borrowing options and published information. The lender or programme administrator assesses your application and issues the offer. Changing our filters does not submit an application or guarantee eligibility.

What should I verify after comparing personal options on Pesopal?

Check net proceeds, effective interest rate, fees and total scheduled repayments on the lender’s official website or app, then confirm your written offer. Rates, fees, limits and requirements can change after our review, Pesopal’s figures are a comparison starting point, not a binding quote.

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