BDO
Personal loans from BDO up to ₱1,000,000
₱10K – ₱1.0M
Interest from 25.58%
Approval: 5-7 banking days
Credit
Comparing 9 offers. Updated May 14, 2026.
Best offers – Credit 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
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
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
Metrobank Card
Metrobank credit card with high limit up to ₱500,000
₱5K – ₱500K
Interest from 4.50%
Approval: 5-7 banking days
RCBC Bankcard
RCBC Bankcard with credit limit up to ₱500,000
₱5K – ₱500K
Interest from 5.00%
Approval: 5-7 banking days
BillEase
BillEase buy now pay later up to ₱40,000 with 0% at partner merchants
₱500 – ₱40K
Interest from 0.00%
Approval: Minutes
Credit in the Philippines
Credit in the Philippines encompasses all forms of borrowing — personal loans, credit cards, salary loans, business loans, and more. Access to credit is an important financial tool that allows Filipinos to manage cash flow, finance major purchases, and grow their businesses without needing large upfront capital.
The Philippine credit landscape has evolved significantly with the rise of fintech companies and digital lending platforms. These new players have made credit more accessible to unbanked and underbanked Filipinos who previously could not qualify for traditional bank loans. The BSP and SEC regulate lending activities to protect borrowers from predatory lending practices.
When accessing credit in the Philippines, always compare the effective interest rate (EIR), read the fine print on fees and charges, and borrow only what you can comfortably repay. Building a good credit history by repaying on time opens doors to better rates and higher limits in the future. CoolFinance.ph helps you navigate all credit options available in the Philippines.