SeaBank – loan
SeaBank online loans up to ₱25,000 for Shopee users, fast approval
Applying does not commit you to any contract.
SeaBank Philippines is a digital bank backed by Sea Group — the parent company of Shopee and Garena. Licensed by the Bangko Sentral ng Pilipinas, SeaBank offers personal loans from ₱1,000 to ₱25,000 primarily to active Shopee and Sea ecosystem users. The bank leverages Sea's extensive data on user spending and payment behavior to assess creditworthiness.
Loan applications are processed through the SeaBank app, with approval decisions typically within minutes. No collateral or extensive documentation is required. Funds are disbursed to your SeaBank account, which can be used for Shopee purchases, transferred to another bank, or withdrawn via InstaPay or PESONet. Repayment terms range from 1 to 6 months.
SeaBank is well-suited for regular Shopee shoppers and Garena players who have an established history within the Sea ecosystem. The 3.50%–5.00% monthly rate is in line with other fintech lenders. Being BSP-licensed provides an added layer of consumer protection compared to SEC-registered online lenders. Compare all digital bank loan options on CoolFinance.ph.
✓ Pros
- BSP-licensed digital bank — regulated and secure
- Integrated with Shopee for seamless shopping credit
- Fast digital application and approval
- No collateral required
✗ Cons
- Primarily for Sea ecosystem (Shopee/Garena) users
- Maximum ₱25,000 — lower than traditional banks
- Short maximum term of 6 months
Loan example
Example: Borrow ₱10,000 for 6 months at 3.50% per month = approx. ₱1,977 monthly. Total repayable: ₱11,863.
Loan requirements
- ✓ Active SeaBank account
- ✓ Regular Shopee or Garena activity helps approval
- ✓ Age 21-60 years old
- ✓ Valid government-issued ID
Loan features
- Loan amounts: ₱1,000 to ₱25,000
- Rate: 3.50%–5.00% per month
- Terms: 1 to 6 months
- BSP-licensed digital bank
- Instant disbursement to SeaBank account
- No collateral required
Frequently asked questions
Minutes after submitting the application.
The minimum amount at SeaBank is ₱1K.