About BDO
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.
Loans and services
This page covers Personal Loan. You can also compare these BDO offers.
How to repay
BDO Personal Loan uses an auto-debit arrangement with a BDO deposit account. Fund the designated account for the scheduled installment and check the debit has posted. If it fails, ask BDO how to settle that installment before sending a second payment.
If you cannot repay on time
For your BDO Personal Loan, work out the amount you can pay after essential living costs, then contact the servicing team with that figure and your next income date. Request a breakdown of arrears and the total cost of any revised schedule before agreeing.
Loan details
- Loan product
- Personal Loan
- Loan type
- Personal loans
- Provider / channel
- Bank
- Published amount
- ₱10,000–₱2,000,000
- Repayment period
- 12–36 months
- Rate disclosure
- 1.25%: monthly add-on
- Access condition
- Open application
- Published income threshold
- employed: ₱15,000/month / self: ₱35,000/month
- Pricing coverage
- Illustration available
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.
Costs to consider
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.
Calculate your repayments
Adjust the amount, term and income. This model is illustrative and does not establish approval or your final rate.
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