SB Finance – loan
SB Finance, a subsidiary of Security Bank, offers personal and auto loans to Filipinos with competitive interest rates and quick online approval.
Applying does not commit you to any contract.
SB Finance Company, Inc. is a consumer finance subsidiary of Security Bank Corporation, one of the Philippines largest privately-owned banks. SB Finance focuses on making personal loans and auto loans accessible to Filipinos through a streamlined online process, without requiring collateral.
Personal loan amounts range from PHP 30,000 to PHP 2,000,000, with a monthly add-on interest rate starting at 1.89%. Loan terms run from 6 to 36 months. Applications are submitted online and a credit decision is typically issued within 5–7 banking days. The loan proceeds are disbursed directly to your nominated bank account.
SB Finance accepts salaried employees, self-employed individuals, and professionals. Requirements include proof of income, valid government IDs, and proof of billing. Being backed by Security Bank gives borrowers the confidence of dealing with a BSP-regulated institution with decades of banking history in the Philippines.
✓ Pros
- Backed by Security Bank (BSP-regulated)
- High loan amount up to PHP 2,000,000
- No collateral required
- Online application
- Accepts self-employed and salaried
- Competitive rates for bank-backed lender
✗ Cons
- Minimum loan PHP 30,000
- Processing 5–7 banking days
- Stricter requirements than app lenders
Loan example
Representative example: PHP 100,000 loan, 24 months, 1.89% monthly add-on rate – estimated monthly payment approx. PHP 6,058, total repayment approx. PHP 145,400.
Loan requirements
- ✓ At least 21 years old (max 65 at loan maturity)
- ✓ Filipino citizen
- ✓ Employed for at least 2 years (salaried) or 3 years in business (self-employed)
- ✓ Minimum monthly income PHP 15,000
- ✓ Valid government-issued ID
- ✓ Latest payslip or ITR
- ✓ Proof of billing address
Loan features
- Loan amount PHP 30,000–2,000,000
- Monthly add-on rate from 1.89%
- Term 6–36 months
- No collateral required
- Online application
- Security Bank-backed
- BSP-regulated
Frequently asked questions
5-7 banking days after submitting the application.
The minimum amount at SB Finance is ₱30K.