BDO
Personal loans from BDO up to ₱1,000,000
₱10K – ₱1.0M
Interest from 25.58%
Approval: 5-7 banking days
Bank Loans
Comparing 21 offers. Updated April 27, 2026.
Best offers – Bank Loans 2026
BPI
BPI personal loans up to ₱2,000,000 with flexible terms
₱10K – ₱2.0M
Interest from 25.60%
Approval: 3-5 banking days
Citibank
Citibank personal loans up to ₱2,000,000
₱10K – ₱2.0M
Interest from 30.90%
Approval: 3-5 banking days
Maybank
Maybank personal loans up to ₱1,000,000
₱10K – ₱1.0M
Interest from 1.30%
Approval: 5-7 banking days
CIMB Bank
CIMB Bank personal loans up to ₱1,000,000
₱30K – ₱1.0M
Interest from 5.90%
Approval: 1-3 banking days
EastWest Bank
EastWest Bank personal loans up to ₱2,000,000
₱25K – ₱2.0M
Interest from 1.49%
Approval: 3-5 banking days
Bank of Commerce
Bank of Commerce personal loans up to ₱1,000,000
₱10K – ₱1.0M
Interest from 6.75%
Approval: 3-5 banking days
Security Bank
Security Bank personal loans up to ₱2,000,000
₱25K – ₱2.0M
Interest from 29.48%
Approval: 3-5 banking days
Chinabank
China Bank personal loans up to ₱2,000,000
₱50K – ₱2.0M
Interest from 5.00%
Approval: 3-5 banking days
PSBank
PSBank personal loans up to ₱250,000
₱5K – ₱250K
Interest from 2.50%
Approval: 3-5 banking days
AUB Credit Cards
AUB Credit Cards with flexible credit limits up to ₱500,000
₱5K – ₱500K
Interest from 5.00%
Approval: 5-7 banking days
Landbank
Landbank personal loans up to ₱10,000,000
₱10K – ₱10.0M
Interest from 10.00%
Approval: 5-7 banking days
Metrobank Card
Metrobank credit card with high limit up to ₱500,000
₱5K – ₱500K
Interest from 4.50%
Approval: 5-7 banking days
AUB Salary Loan
AUB salary loans up to ₱250,000 for employed individuals
₱5K – ₱250K
Interest from 4.00%
Approval: 3-5 banking days
RCBC Bankcard
RCBC Bankcard with credit limit up to ₱500,000
₱5K – ₱500K
Interest from 5.00%
Approval: 5-7 banking days
RCBC Bankcard Cash Loan
RCBC cash loan up to ₱500,000 with flexible repayment
₱5K – ₱500K
Interest from 1.80%
Approval: 3-5 banking days
Metrobank
Metrobank loans up to ₱10,000,000 for big financial needs
₱500K – ₱10.0M
Interest from 5.90%
Approval: 5-7 banking days
UnionBank
UnionBank personal loans up to ₱1,000,000
₱10K – ₱1.0M
Interest from 2.00%
Approval: 3-5 banking days
Tonik Bank
Tonik Bank personal loans up to ₱50,000 with no credit check required
₱5K – ₱50K
Interest from 4.20%
Approval: Minutes
PNB
PNB personal loans up to ₱500,000 with competitive bank rates
₱10K – ₱500K
Interest from 1.25%
Approval: 3-5 banking days
SeaBank
SeaBank online loans up to ₱25,000 for Shopee users, fast approval
₱1K – ₱25K
Interest from 3.50%
Approval: Minutes
Bank Loans in the Philippines
Bank loans in the Philippines are offered by BSP-regulated banks and provide a secure, regulated way to borrow money. Major banks like BDO, BPI, Metrobank, UnionBank, Security Bank, CIMB Bank, and China Bank offer a wide range of loan products including personal loans, business loans, car loans, and housing loans.
Bank loans generally offer lower interest rates and larger loan amounts compared to non-bank lenders, but they have stricter requirements and longer processing times. You typically need to be at least 21 years old, have a stable income, and maintain a good credit history. Bank loans are ideal for borrowers who need larger amounts and can wait a few banking days for approval.
When comparing bank loans in the Philippines, consider the effective interest rate, processing fees, loan term flexibility, and early repayment options. Some banks offer exclusive rates for existing account holders. Browse all bank loan offers on CoolFinance.ph and apply for the one that best fits your financial situation.