Compare personal loans

Real rates from banks and fintechs. Compared side by side, no affiliate bias.

₱10,000
₱1k₱100k
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Lenders Compared

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BDO

BDO Personal Loan
APR 25.98%
This loan is best for individuals looking for significant funding up to ₱2 Million with manageable repayment terms.
₱10k–₱2M 6–36 months ⚡ 5-7 banking days

BDO Personal Loans provide a flexible financing option with competitive rates, but potential borrowers should assess their repayment capabilities.

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RCBC

RCBC Pasado Loan
APR 19.0%
This loan is ideal for first-time borrowers who need quick access to funds without the burden of collateral, making it suitable for personal expenses like education or travel.
₱20k–₱5M 3–60 months ⚡ 3-5 banking days

The RCBC Pasado Loan offers a convenient, collateral-free option for those looking to meet immediate financial needs, especially for individuals in the process of building their credit.

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Tonik

Tonik Quick Loan
APR 6.0%
Filipino citizens aged 21-55 with a minimum credit score looking for short-term personal loans.
₱5k–₱50k 6–12 months ⚡ Instant in-app

Tonik Quick Loan is an efficient choice for those needing immediate cash, especially given its instant in-app approval. However, applicants should be mindful of the credit score requirement that could limit access for some.

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BPI

BPI Personal Loan
APR 25.03%
This loan is best for individuals with high credit scores seeking substantial amounts, up to ₱3 million, for various personal needs.
₱20k–₱3M 12–36 months ⚡ 2-3 banking days

BPI offers competitive personal loan rates, making it a solid choice for those needing significant funding. However, the application process may be stricter due to its high credit tier requirements.

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SB Finance

SB Finance Personal Loan
APR 39.43%
This loan is ideal for individuals looking to cover various financial needs like education, business, or debt consolidation, especially for credit card holders.
₱30k–₱3M 12–36 months ⚡ 1-3 business days

SB Finance Personal Loan offers a convenient way to access funds online, but potential borrowers should be mindful of the eligibility criteria.

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Metrobank

Metrobank Personal Loan
APR 25.98%
This loan is ideal for those with a strong credit profile seeking funding for personal ventures such as education, travel, or other milestones.
₱20k–₱2M 12–36 months ⚡ 7 banking days

Metrobank offers a reliable personal loan option with transparent pricing and flexible terms, making it suitable for various personal goals.

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UnionBank

UnionBank Personal Loan
APR 25.0%
This loan is best for individuals seeking quick access to funds without collateral and who can meet the income requirements.
₱20k–₱2M 12–60 months ⚡ 3-5 banking days

UnionBank's personal loan features an appealing 1.26% monthly add-on rate, cost-effective choice for those who can repay within a year. However, the APR can reach up to 36%, which may not be ideal for long-term borrowers.

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CTBC Bank Philippines

CTBC Bank Salary Stretch Personal Loan
APR 17.88%
This loan is best for individuals with a stable income looking for manageable loan terms and competitive rates.
₱20k–₱2M 6–36 months ⚡ within 5 banking days

The CTBC Bank Salary Stretch Personal Loan is a solid option for salaried employees needing financial flexibility. Its clear eligibility guidelines help streamline the application process.

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