Your smart loan guide
Real rates from banks and fintechs. Compared side by side, no affiliate bias.
This loan is ideal for those with a strong credit profile seeking funding for personal ventures such as education, travel, or other milestones.
| APR | 25.98–36.74% |
|---|---|
| Amount | ₱20k–₱2M |
| Term | 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.
This loan is ideal for individuals looking to cover various financial needs like education, business, or debt consolidation, especially for credit card holders.
| APR | 39.43% |
|---|---|
| Amount | ₱30k–₱3M |
| Term | 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.
This loan is best for individuals seeking quick access to funds without collateral and who can meet the income requirements.
| APR | 25.0–36.0% |
|---|---|
| Amount | ₱20k–₱2M |
| Term | 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.
This loan is best for individuals looking for significant funding up to ₱2 Million with manageable repayment terms.
| APR | 25.98–26.76% |
|---|---|
| Amount | ₱10k–₱2M |
| Term | 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.
This loan is best for individuals with high credit scores seeking substantial amounts, up to ₱3 million, for various personal needs.
| APR | 25.03–28.67% |
|---|---|
| Amount | ₱20k–₱3M |
| Term | 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.
This loan is best for individuals with a stable income looking for manageable loan terms and competitive rates.
| APR | — |
|---|---|
| Amount | ₱20k–₱2M |
| Term | 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.
This service is best for individuals seeking quick access to personal loans without the hassle of traditional banking processes.
| APR | — |
|---|---|
| Amount | ₱5k–₱50k |
| Term | 6–12 months |
| ⚡ | 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.
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.
| APR | 19.0–34.0% |
|---|---|
| Amount | ₱20k–₱5M |
| Term | 3–60 months |
| ⚡ | 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.