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 with a stable income looking for manageable loan terms and competitive rates.
APR
—
Amount
₱20k–₱2M
Term
6–36mo
Speed
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.
Check rates→
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.
Check rates→
Best for: 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
12–60mo
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.
Check rates→
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.
APR
19.0–34.0%
Amount
₱20k–₱5M
Term
3–60mo
Speed
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.
Check rates→
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.
Check rates→Best for: This service is best for individuals seeking quick access to personal loans without the hassle of traditional banking processes.
APR
—
Amount
₱5k–₱50k
Term
6–12mo
Speed
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.
Check rates→
Best for: 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
12–36mo
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.
Check rates→
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
25.98–36.74%
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.
Check rates→
