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PERSONAL LOANSPERSONAL LOAN RATES: COMPARE TOP LENDERS
FINANCIAL MISSION DIRECTIVE

Personal Loan Rates: Compare Top Lenders in April 2025

Last updated on April 5, 2025
AP
Written by Andrew Pagulayan
CEO/CTO
TC
Edited by Theresa Chu
Data Analyst

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Compare over 30 lenders from ₱1,000 to ₱3,000,000
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RELIABLE TRADITIONAL BANK
BDO Personal Loan
4.4
LOAN TERM
6 to 36 months
LOAN AMOUNT
₱10,000 - ₱2,000,000
APR
25.98% - 26.76% per year
OFW FOCUSED
BDO Kabayan Loan (Unsecured)
4.2
LOAN TERM
3 to 36 months
LOAN AMOUNT
₱10,000 - ₱2,000,000
APR
35.66% - 41.71% per year
LOWEST OFW RATES
BDO Kabayan Loan (Secured)
4.5
LOAN TERM
6 to 36 months
LOAN AMOUNT
₱15,000 deposit required - 90% of Peso deposit or 80% of Dollar deposit
APR
17.06% - 17.08% per year
HIGHEST MAXIMUM LOAN
EastWest Bank
4.7
LOAN TERM
12, 18, 24, 36, 48, or 60 months
LOAN AMOUNT
₱25,000 - ₱3,000,000
APR
40.65% to 56.19% per annum
FLEXIBLE INSTALLMENT TERMS
BPI
4.6
LOAN TERM
12, 18, 24, 30, or 36 months
LOAN AMOUNT
Varies - ₱3,000,000
APR
Maximum 28.67% (2.39% monthly)
MOST FLEXIBLE TERMS
PNB
4.6
LOAN TERM
3 to 60 months
LOAN AMOUNT
₱10,000 - ₱2,000,000
APR
1% to 2% monthly add-on
LOWEST INTEREST RATES
Metrobank
4.5
LOAN TERM
12, 18, 24, or 36 months
LOAN AMOUNT
₱20,000 - ₱2,000,000
APR
As low as 1.25% monthly (25.976% ACR)
ACCESSIBLE REQUIREMENTS
SB Finance
4.5
LOAN TERM
12, 18, 24, 36 months
LOAN AMOUNT
₱30,000 - ₱2,000,000
APR
Approximately 2% monthly (39.43% APR at 36 months)
DIFFERENT EMPLOYMENT OPTIONS
RCBC
4.3
LOAN TERM
6 to 36 months
LOAN AMOUNT
₱50,000 - ₱1,000,000
APR
1.3% per month
BEST DIGITAL EXPERIENCE
Maya Bank
4.5
LOAN TERM
6 to 24 months
LOAN AMOUNT
₱15,000 - ₱250,000
APR
0.77% - 2.57% monthly add-on
CONVENIENT APP INTEGRATION
GCash (GLoan)
4.3
LOAN TERM
Up to 12 months
LOAN AMOUNT
Varies - ₱125,000
APR
As low as 1.59% monthly
LONGEST INSTALLMENT TERMS
GCash (GGives)
4.2
LOAN TERM
Installments up to 24 months
LOAN AMOUNT
Varies - ₱125,000
APR
Low rates (potentially lower than GLoan)
QUICK HIGH-VALUE LOANS
Welcome Finance
4.1
LOAN TERM
12 to 36 months
LOAN AMOUNT
Varies - ₱1,000,000
APR
As low as 1.39% - 1.99% per month
QUICKEST APPLICATION
Tala
4
LOAN TERM
Up to 61 days with user-chosen repayment date
LOAN AMOUNT
₱1,000 - ₱25,000
APR
As low as 0.3% per day (9% monthly)
FAST MOBILE ACCESS
JuanHand
3.6
LOAN TERM
91 to 180 days (1-3 months)
LOAN AMOUNT
₱2,000 - ₱25,000
APR
Maximum 30% APR per year
ZERO INTEREST OPTIONS
BillEase
4.1
LOAN TERM
30 days up to 12 months
LOAN AMOUNT
Varies - ₱40,000
APR
Monthly rate starting at 3.49%, 0% APR on select merchants for new sign-ups
ZERO INTEREST FIRST LOAN
Digido
3.8
LOAN TERM
7 days to 180 days
LOAN AMOUNT
₱1,000 - ₱25,000
APR
0% for first 7 days (₱1,000-4,000), 0% to 36% per annum after
EXTENDED PAYMENT PERIODS
OKPeso
3.7
LOAN TERM
120, 150, or 210 days
LOAN AMOUNT
₱1,500 - ₱8,000
APR
Maximum 18.25% per year (0.05% per day)
INSTANT FUNDING
PesoRedeem
3.5
LOAN TERM
61 to 183 days (3 to 6 months)
LOAN AMOUNT
₱1,000 - ₱20,000
APR
11.9% per month (143% APR), 0% for first loan if repaid on time
REPEAT BORROWER BENEFITS
HoneyLoan
3.4
LOAN TERM
Up to 6 months (new), from 7 days (repeat)
LOAN AMOUNT
₱1,000 - ₱30,000
APR
0.5% daily interest rate (182% APR)
SAME-DAY FUNDING
Cashalo
3.3
LOAN TERM
30-45 days
LOAN AMOUNT
₱1,000 - ₱7,000
APR
0.5% daily (15% monthly)
ULTRA-LOW MONTHLY RATES
Atome Credit
3.3
LOAN TERM
Up to 12 months
LOAN AMOUNT
Varies - ₱50,000
APR
Starting from 1.75% monthly, 0% for 40 days (select cases)
DIGITAL BANKING OPTION
Komo by EastWest
3.2
LOAN TERM
12 to 60 months
LOAN AMOUNT
₱25,000 - ₱3,000,000
APR
Same as EastWest Bank
WIDE TERM OPTIONS
LoanChamp
3.1
LOAN TERM
61 days to 12 months
LOAN AMOUNT
₱3,000 - ₱500,000
APR
Not specified
HIGH APPROVAL RATE
MayPera
3
LOAN TERM
120-180 days
LOAN AMOUNT
₱1,000 - ₱100,000
APR
Up to 14% per year
EXISTING CUSTOMERS ONLY
UNO Digital Bank
3
LOAN TERM
Up to 36 months
LOAN AMOUNT
₱10,000 - ₱200,000
APR
Not specified for personal loans
COMPETITIVE RATES
Tonik Digital Bank
3
LOAN TERM
Flexible and tailored
LOAN AMOUNT
Varies - Up to ₱5,000,000
APR
Competitive rates mentioned
RELIABLE TRADITIONAL BANK
Robinsons Bank
3
LOAN TERM
Not specified
LOAN AMOUNT
Not specified - Not specified
APR
Not specified
SALARY LOAN SPECIALIST
AUB
3
LOAN TERM
Not specified
LOAN AMOUNT
Not specified - Not specified
APR
Not specified
EASI-FUNDS OPTION
China Bank
3
LOAN TERM
Not specified
LOAN AMOUNT
Not specified - ₱1,000,000
APR
Not specified
REVI CREDIT FEATURE
CIMB Bank
3
LOAN TERM
Flexible (Revi Credit)
LOAN AMOUNT
Not specified - ₱250,000
APR
As low as 1% per month (Revi Credit)
BUSINESS LOAN FOCUS
Vidalia Lending
2.9
LOAN TERM
Not specified for personal loans
LOAN AMOUNT
Not specified - ₱500,000
APR
4-5% per month (business loans)
ESTABLISHED LENDER
Radiowealth Finance
2.9
LOAN TERM
Not specified
LOAN AMOUNT
Not specified - Not specified
APR
As low as 1.3% monthly (collateral), 1.5-5% (unsecured)
CREDIT BUILDING
Plentina
2.8
LOAN TERM
Not specified
LOAN AMOUNT
Not specified - Not specified
APR
Service fee displayed in app
MINIMAL DOCUMENTATION
eCash
2.7
LOAN TERM
Not specified
LOAN AMOUNT
Not specified - Not specified
APR
Not specified
PRODUCT LOAN SPECIALIST
Skyro Finance
2.7
LOAN TERM
6-12 months (product loans)
LOAN AMOUNT
Not specified - ₱50,000
APR
4.9% monthly (119% APR)
INTERNATIONAL LENDER
Kredit Pintar
2.6
LOAN TERM
91-360 days (Indonesia)
LOAN AMOUNT
Not specified - Not specified
APR
Starting from 1.99% per month (Indonesia)
SIMPLE APPLICATION
Cashwagon
2.6
LOAN TERM
Up to 12 months
LOAN AMOUNT
₱1,000 - ₱50,000
APR
6% per month
FAST STATUS UPDATES
EasyCash
2.5
LOAN TERM
Not specified
LOAN AMOUNT
Not specified - Not specified
APR
Not specified
NATIONWIDE AVAILABILITY
Finbro
2.4
LOAN TERM
12 months
LOAN AMOUNT
₱1,000 - ₱50,000
APR
6% per month
COMFORTABLE REPAYMENT
Asteria Lending
2.4
LOAN TERM
Not specified
LOAN AMOUNT
Not specified - Not specified
APR
Not specified
MINIMAL INFORMATION
UpFinance
2.3
LOAN TERM
Not specified
LOAN AMOUNT
Not specified - Not specified
APR
Not specified
BUSINESS LOAN FOCUSED
SeekCap
2.3
LOAN TERM
Up to 36 months
LOAN AMOUNT
₱10,000 - ₱100,000,000
APR
As low as 1% per month

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