BDO
Personal loans from BDO up to ₱1,000,000
₱10K – ₱1.0M
Interest from 25.58%
Approval: 5-7 banking days
OFW Loans Philippines
Comparing 17 offers. Updated April 13, 2026.
Best offers – OFW 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
OFWLoan
Loans for Overseas Filipino Workers up to ₱300,000
₱5K – ₱300K
Interest from 21.00%
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
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
Landbank
Landbank personal loans up to ₱10,000,000
₱10K – ₱10.0M
Interest from 10.00%
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
PNB
PNB personal loans up to ₱500,000 with competitive bank rates
₱10K – ₱500K
Interest from 1.25%
Approval: 3-5 banking days
OFW Loans in the Philippines
Overseas Filipino Workers send home over $36 billion in remittances each year, yet many OFWs and their families still struggle to access credit when they need it most. OFW loans are financial products designed for this specific group — either for the OFW applying from abroad, or for family members in the Philippines using the OFW's income as proof of repayment capacity.
Most major Philippine banks offer dedicated OFW loan programs. BDO, BPI, Metrobank, Landbank, and RCBC all have products for sea-based and land-based OFWs. Required documents typically include an OFW Employment Contract, OWWA membership, Overseas Employment Certificate (OEC), and proof of remittances. Loan amounts range from ₱20,000 up to ₱2,000,000 depending on the lender and the OFW's income.
Processing times vary: online fintech lenders can approve OFW loans in 24-48 hours, while banks may take 5-7 banking days. Some lenders allow the OFW's spouse or designated beneficiary in the Philippines to act as the principal borrower. Compare all OFW loan options on CoolFinance.ph before applying.