Real rates from banks and fintechs. Compared side by side, no affiliate bias.
Scores based on editorial review methodology
Best for: 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
6–36mo
Speed
5-7 banking days
BDO Personal Loans provide a flexible financing option with competitive rates, but potential borrowers should assess their repayment capabilities.
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Best for: Individuals earning at least ₱25,000 monthly who need a significant personal loan without collateral.
APR
39.82–47.03%
Amount
₱25k–₱3M
Term
12–60mo
Speed
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.
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Best for: 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
12–60mo
Speed
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.
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Best for: 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
12–60mo
Speed
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.
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Best for: 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
12–36mo
Speed
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.
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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.
APR
30.52–33.32%
Amount
₱20k–₱2M
Term
12–36mo
Speed
7 banking days
Metrobank offers a reliable personal loan option with transparent pricing and flexible terms, making it suitable for various personal goals.
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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.
APR
39.43%
Amount
₱30k–₱3M
Term
12–36mo
Speed
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.
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Best for: 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
24–36mo
Speed
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.
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