Your smart loan guide
Real rates from banks and fintechs. Compared side by side, no affiliate bias.
This loan is best for individuals seeking quick access to funds without collateral and who can meet the income requirements.
| APR | 31.22–31.98% |
|---|---|
| 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 with high credit scores seeking substantial amounts, up to ₱3 million, for various personal needs.
| APR | 28.67–31.72% |
|---|---|
| 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.
Individuals earning at least ₱25,000 monthly who need a significant personal loan without collateral.
| APR | 39.82–47.03% |
|---|---|
| Amount | ₱25k–₱3M |
| Term | 12–60 months |
| ⚡ | 5-7 banking days |
With a maximum loan amount of ₱3 million and flexible terms, EastWest's personal loan is appealing for those needing substantial funds. However, the high effective interest rate of up to 47.03% p.a. can be burdensome for long-term borrowers.
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 ideal for those with a strong credit profile seeking funding for personal ventures such as education, travel, or other milestones.
| APR | 30.52–33.32% |
|---|---|
| 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.
Individuals earning at least ₱15,000 monthly who need quick access to cash for emergencies or personal projects.
| APR | 18.0% |
|---|---|
| Amount | ₱30k–₱1M |
| Term | 12–60 months |
| ⚡ | Varies (app-based credit assessment) |
CIMB's personal loan is appealing for tech-savvy borrowers seeking flexible loan amounts and terms. However, the high APR range may deter those with lower credit scores or longer repayment needs.
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.
Individuals with a stable income of at least ₱15,000 monthly who need a short-term loan for urgent personal expenses.
| APR | 41.29–42.88% |
|---|---|
| Amount | ₱20k–₱250k |
| Term | 24–36 months |
| ⚡ | 5-9 working days |
While the PSBank Flexi Personal Loan provides quick access to funds, the high effective interest rate of up to 42.88% annually makes it less appealing for long-term borrowing. It's best for those who can repay quickly to minimize interest costs.