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CTBC Bank Philippines

CTBC Bank Salary Stretch Personal Loan

Best Value · This loan is best for individuals with a stable income looking for manageable loan terms and competitive rates.
Loan Amount
₱20k–₱2M
Term
6–36 months
Approval
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.

Salaried employeeMinimum gross monthly income ₱15,000
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APR Range

25.03–28.67%

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BPI

BPI Personal Loan

Best Value · This loan is best for individuals with high credit scores seeking substantial amounts, up to ₱3 million, for various personal needs.
Loan Amount
₱20k–₱3M
Term
12–36 months
Approval
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.

Minimum gross monthly income ₱15,000At least 1 year with current employer
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APR Range

25.98–26.76%

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BDO

BDO Personal Loan

Best Value · This loan is best for individuals looking for significant funding up to ₱2 Million with manageable repayment terms.
Loan Amount
₱10k–₱2M
Term
6–36 months
Approval
5-7 banking days

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

Minimum gross monthly income ₱15,000At least 2 years with current employer
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APR Range

25.98–36.74%

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Metrobank

Metrobank Personal Loan

Best Value · This loan is ideal for those with a strong credit profile seeking funding for personal ventures such as education, travel, or other milestones.
Loan Amount
₱20k–₱2M
Term
12–36 months
Approval
7 banking days

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

Minimum gross monthly income ₱15,000At least 2 years with current employer
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APR Range

25.0–36.0%

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UnionBank

UnionBank Personal Loan

Best Value · This loan is best for individuals seeking quick access to funds without collateral and who can meet the income requirements.
Loan Amount
₱20k–₱2M
Term
12–60 months
Approval
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.

Minimum gross monthly income ₱15,000Employed or self-employed
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APR Range

39.43%

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SB Finance

SB Finance Personal Loan

Best Value · This loan is ideal for individuals looking to cover various financial needs like education, business, or debt consolidation, especially for credit card holders.
Loan Amount
₱30k–₱3M
Term
12–36 months
Approval
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.

Minimum gross monthly income ₱12,000 (₱15,000 Metro Manila)Filipino citizen 21-60 years old
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APR Range

19.0–34.0%

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RCBC

RCBC Pasado Loan

Best Value · 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.
Loan Amount
₱20k–₱5M
Term
3–60 months
Approval
fast processing

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.

Minimum gross monthly income ₱15,000Employed or self-employed
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Tonik

Tonik Quick Loan - Fast Digital Personal Loans

Best Value · This service is best for individuals seeking quick access to personal loans without the hassle of traditional banking processes.
Loan Amount
₱5k–₱50k
Term
6–12 months
Approval
Instant in-app

Tonik Quick Loan offers a modern approach to personal financing with its app-based platform, making it accessible for borrowers with lower credit tiers.

Filipino citizen 21-55 years oldTonik bank account holder
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