BDO – loan
Personal loans from BDO up to ₱1,000,000
Applying does not commit you to any contract.
BDO offers competitive personal loan products backed by decades of banking experience in the Philippines. With loan amounts ranging from ₱10,000 to ₱1,000,000 and repayment terms of 3 to 36 months, BDO caters to a wide range of financial needs — from everyday expenses to major life investments.
As a BSP-regulated bank, BDO adheres to the highest standards of consumer protection and transparent lending. The interest rate starts at 25.58% per month, and the loan can be used for any legitimate purpose including debt consolidation, home renovation, medical expenses, education, or travel.
Approval for BDO personal loans typically takes 5-7 banking days. Existing account holders and payroll account clients may enjoy faster processing and preferential rates. A good credit history with the bank significantly improves your chances of approval and may qualify you for higher loan amounts.
✓ Pros
- High loan amounts up to ₱1,000,000 available
- Transparent processing with a clear approval timeline
- Fixed interest rate makes repayment planning straightforward
- BSP-regulated bank with strong consumer protection
✗ Cons
- Interest rate is above average – compare all options first
- Approval takes several banking days – not suitable for urgent same-day needs
- Extensive documentation required compared to online lenders
Loan example
Example: Borrow ₱30,000 for 12 months at 25.58% per month = approx. ₱8,207.54 monthly payment. Total repayable: ₱98,490.48.
Loan requirements
- ✓ Valid government-issued ID (SSS, GSIS, PhilHealth, driver's license, or passport)
- ✓ Proof of income: payslips for the last 3 months or Certificate of Employment
- ✓ ITR (Income Tax Return) for the past 1-2 years
- ✓ Proof of billing address (utility bill or bank statement)
Loan features
- Loan amounts: ₱10,000 to ₱1,000,000
- Repayment term: 3 to 36 months
- Approval time: 5-7 banking days
- Available at branches nationwide and through online banking
- Optional loan insurance for added protection
Frequently asked questions
5-7 banking days after submitting the application.
The minimum amount at BDO is ₱10K.