Loans

Personal loans catalogue

Compare offers from lenders across the Philippines. Facts shown in the same order, with sources.

Amount you want to borrow₱150,000

Preferred repayment term12 months

Payment from

₱13,525 / month

Illustrative 14.8% annual rate. Not an offer or approval.

15 results

The payment, Est. EAR (all-in) and overpayment are estimates for the amount and term you set — for comparison only; the exact monthly payment and terms depend on approval, so confirm them with the lender. EAR is the loan's true yearly cost as a percentage, including interest and the processing fee as a range across the loan amount (a fixed fee weighs far more on a small loan). If a bank quotes you a different number, calculate your exact EAR →

Product	Rate	Est. EAR (all-in)	Est. payment	Overpayment	Amount / Term	Processing fee	Bank rating
Personal LoanHSBC Philippines	0.65%monthly add-on	14.8%-26.8%	₱13,460–₱14,183 /mo	₱13k–₱22k	₱30,000–₱500,00012–60 mos	₱1,500	4.5 15 reviews	Apply
Personal LoanSterling Bank of Asia, Inc.	16.8-18%p.a.	18.1-19.6%	₱13,663–₱13,754 /mo	₱14k–₱15k	₱30,000–₱1,000,000Up to 36 mos		3.1 15 reviews	Apply
Personal LoanMaya Bank	0.8%monthly add-on	18.2%	₱13,669 /mo	₱14k	Up to ₱250,0003–24 mos	None	3.5 15 reviews	Apply
Personal LoanCIMB Bank Philippines	0.8%monthly add-on	18.2%	₱13,669 /mo	From ₱16k	₱30,000–₱1,000,00012-60 mos	From 1% or ₱500	3.3 15 reviews	Apply
Personal LoanBDO Unibank	1.25-1.3%monthly add-on	26–26.8%	₱14,136–₱14,183 /mo	₱21k	Up to ₱2,000,0006-36 mos	₱1,300	3.7 16 reviews	Apply
Personal LoanMetropolitan Bank and Trust	1.8%monthly add-on	26–36.7%	₱14,136–₱14,747 /mo	₱21k–₱28k	Up to ₱2,000,000Up to 36 mos	₱1,500	3.5 15 reviews	Apply
Personal LoanMaybank Philippines	1.3%monthly add-on	30.7-42.3%	₱14,450 /mo	₱25k	₱50,000–₱1,000,000Up to 36 mos	₱2,000	3.1 15 reviews	Apply
Personal LoanUnion Bank of the Philippines	26.9%ACR	31-40%	₱14,425–₱14,929 /mo	₱26k–₱32k	Up to ₱2,000,000Up to 60 mos	₱3,250	2.7 15 reviews	Apply
Easi-FundsChina Bank Savings	1.55-1.75%monthly add-on	38.2-41.3%	₱14,830–₱15,000 /mo	₱28k–₱30k	₱30,000–₱1,000,00012-36 mos		3.3 15 reviews	Apply
Personal LoanWelcome Bank	1.39–1.99%monthly add-on	35.8-62.5%	₱14,585–₱15,485 /mo	₱30k–₱41k	₱50,000–₱1,500,00012–36 mos	3% + ₱400	0.0 0 reviews	Apply
Personal LoanEast West Banking	1.8%monthly add-on	39.8–57%	₱14,918–₱15,826 /mo	₱31k–₱42k	Up to ₱3,000,000Up to 60 mos	₱2,000	3.6 15 reviews	Apply
Flexi Personal LoanPhilippine Savings Bank	From 1.75%monthly add-on	From 42-67.5%	₱15,125 /mo	From ₱33k	₱20,000–₱250,00012–36 mos	₱1,500	3.1 15 reviews	Apply
Personal LoanSecurity Bank	1.9%monthly add-on	45-70%	₱15,350 /mo	₱36k	₱30,000–₱2,000,000Up to 36 mos	₱2,000	3.6 16 reviews	Apply
Personal LoanUNObank	From 1.79%monthly add-on	45.7–59%	₱15,237–₱15,927 /mo	From ₱37k–₱46k	₱15,000–₱250,000Up to 36 mos	3%	3.6 15 reviews	Apply
Mari LoanMaribank Philippines	1–3%monthly add-on	24–81%	₱14,018–₱16,989 /mo	₱18k–₱54k	₱2,500–₱100,000Up to 12 mos	None	3.9 15 reviews	Apply

Rate: 0.65%monthly add-on
Est. EAR (all-in): 14.8%-26.8%
Est. payment: ₱13,460–₱14,183 /mo
Overpayment: ₱13k–₱22k
Amount: ₱30,000–₱500,000
Term: 12–60 mos
Processing fee: ₱1,500

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Rate: 16.8-18%p.a.
Est. EAR (all-in): 18.1-19.6%
Est. payment: ₱13,663–₱13,754 /mo
Overpayment: ₱14k–₱15k
Amount: ₱30,000–₱1,000,000
Term: Up to 36 mos
Processing fee

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Rate: 0.8%monthly add-on
Est. EAR (all-in): 18.2%
Est. payment: ₱13,669 /mo
Overpayment: ₱14k
Amount: Up to ₱250,000
Term: 3–24 mos
Processing fee: None

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Rate: 0.8%monthly add-on
Est. EAR (all-in): 18.2%
Est. payment: ₱13,669 /mo
Overpayment: From ₱16k
Amount: ₱30,000–₱1,000,000
Term: 12-60 mos
Processing fee: From 1% or ₱500

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Rate: 1.25-1.3%monthly add-on
Est. EAR (all-in): 26–26.8%
Est. payment: ₱14,136–₱14,183 /mo
Overpayment: ₱21k
Amount: Up to ₱2,000,000
Term: 6-36 mos
Processing fee: ₱1,300

Apply

Rate: 1.8%monthly add-on
Est. EAR (all-in): 26–36.7%
Est. payment: ₱14,136–₱14,747 /mo
Overpayment: ₱21k–₱28k
Amount: Up to ₱2,000,000
Term: Up to 36 mos
Processing fee: ₱1,500

Apply

Rate: 1.3%monthly add-on
Est. EAR (all-in): 30.7-42.3%
Est. payment: ₱14,450 /mo
Overpayment: ₱25k
Amount: ₱50,000–₱1,000,000
Term: Up to 36 mos
Processing fee: ₱2,000

Apply

Rate: 26.9%ACR
Est. EAR (all-in): 31-40%
Est. payment: ₱14,425–₱14,929 /mo
Overpayment: ₱26k–₱32k
Amount: Up to ₱2,000,000
Term: Up to 60 mos
Processing fee: ₱3,250

Apply

Rate: 1.55-1.75%monthly add-on
Est. EAR (all-in): 38.2-41.3%
Est. payment: ₱14,830–₱15,000 /mo
Overpayment: ₱28k–₱30k
Amount: ₱30,000–₱1,000,000
Term: 12-36 mos
Processing fee

Apply

Rate: 1.39–1.99%monthly add-on
Est. EAR (all-in): 35.8-62.5%
Est. payment: ₱14,585–₱15,485 /mo
Overpayment: ₱30k–₱41k
Amount: ₱50,000–₱1,500,000
Term: 12–36 mos
Processing fee: 3% + ₱400

Apply

Rate: 1.8%monthly add-on
Est. EAR (all-in): 39.8–57%
Est. payment: ₱14,918–₱15,826 /mo
Overpayment: ₱31k–₱42k
Amount: Up to ₱3,000,000
Term: Up to 60 mos
Processing fee: ₱2,000

Apply

Rate: From 1.75%monthly add-on
Est. EAR (all-in): From 42-67.5%
Est. payment: ₱15,125 /mo
Overpayment: From ₱33k
Amount: ₱20,000–₱250,000
Term: 12–36 mos
Processing fee: ₱1,500

Apply

Rate: 1.9%monthly add-on
Est. EAR (all-in): 45-70%
Est. payment: ₱15,350 /mo
Overpayment: ₱36k
Amount: ₱30,000–₱2,000,000
Term: Up to 36 mos
Processing fee: ₱2,000

Apply

Rate: From 1.79%monthly add-on
Est. EAR (all-in): 45.7–59%
Est. payment: ₱15,237–₱15,927 /mo
Overpayment: From ₱37k–₱46k
Amount: ₱15,000–₱250,000
Term: Up to 36 mos
Processing fee: 3%

Apply

Rate: 1–3%monthly add-on
Est. EAR (all-in): 24–81%
Est. payment: ₱14,018–₱16,989 /mo
Overpayment: ₱18k–₱54k
Amount: ₱2,500–₱100,000
Term: Up to 12 mos
Processing fee: None

Apply

Frequently asked questions

What's the difference between a monthly add-on rate and the effective rate (EAR)?+

An add-on rate is charged on the full original loan amount for the whole term, so the true annual cost (EAR) is roughly double the nominal add-on rate. Always compare offers by their EAR — shown in the loans table — not the headline monthly rate.

How do I estimate my monthly payment?+

Use the loan calculator: enter the amount and term you want, and it estimates the monthly payment using the lowest live effective rate for that range. The loans table below then shows the offers that fit.

How much can I borrow with a personal loan in the Philippines?+

Most banks lend from around ₱10,000 up to ₱1–2 million, depending on your income and credit history. The exact limit is set after the lender assesses your application — compare amount ranges in the loans table.

What documents do I usually need to apply?+

Typically a valid government ID, proof of income (payslips or ITR), and proof of address. Exact requirements vary by lender.

Finsyal works to keep this information accurate and current, but figures may differ from what a provider shows on its own website. Everything here is provided without warranty and can change over time — if you spot an error or something out of date, please contact us. Opinions are the author’s own and have not been reviewed, approved, or endorsed by any provider.