Real rates from banks and fintechs. Compared side by side, no affiliate bias.
UnionBank
APR
25.0% - 36.0%
Amount
PHP2,000,000
Term
60 mo
Best for: This loan is best for individuals seeking quick access to funds without collateral and who can meet the income requirements.
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.
Tonik
APR
6.0%
Amount
PHP50,000
Term
12 mo
Best for: Filipino citizens aged 21-55 with a minimum credit score looking for short-term personal loans.
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.
CTBC Bank Philippines
APR
17.88% - 26.28%
Amount
PHP2,000,000
Term
36 mo
Best for: This loan is best for individuals with a stable income looking for manageable loan terms and competitive rates.
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.
Metrobank
APR
25.98% - 36.74%
Amount
PHP2,000,000
Term
36 mo
Best for: This loan is ideal for those with a strong credit profile seeking funding for personal ventures such as education, travel, or other milestones.
Metrobank offers a reliable personal loan option with transparent pricing and flexible terms, making it suitable for various personal goals.
RCBC
APR
19.0% - 34.0%
Amount
PHP5,000,000
Term
60 mo
Best for: 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.
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.
SB Finance
APR
39.43%
Amount
PHP3,000,000
Term
36 mo
Best for: This loan is ideal for individuals looking to cover various financial needs like education, business, or debt consolidation, especially for credit card holders.
SB Finance Personal Loan offers a convenient way to access funds online, but potential borrowers should be mindful of the eligibility criteria.
APR
25.03% - 28.67%
Amount
PHP3,000,000
Term
36 mo
Best for: This loan is best for individuals with high credit scores seeking substantial amounts, up to ₱3 million, for various personal needs.
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.
APR
25.98% - 26.76%
Amount
PHP2,000,000
Term
36 mo
Best for: This loan is best for individuals looking for significant funding up to ₱2 Million with manageable repayment terms.
BDO Personal Loans provide a flexible financing option with competitive rates, but potential borrowers should assess their repayment capabilities.
