Acom
Cash loans up to ₱500,000 with flexible terms
₱2K – ₱500K
Interest from 3.32%
Approval: 24 hours
Personal Loan
Comparing 79 offers. Updated October 27, 2026.
Best offers – Personal Loan 2026
Asteria Bank
Online loans up to ₱20,000 with flexible terms
₱1K – ₱20K
Interest from 0.80%
Approval: 24 hours
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
AUB Salary Loan
AUB salary loans up to ₱250,000 for employed individuals
₱5K – ₱250K
Interest from 4.00%
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
BDO
Personal loans from BDO up to ₱1,000,000
₱10K – ₱1.0M
Interest from 25.58%
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
Binixo
Online loans up to ₱20,000 with 0% interest for new customers
₱500 – ₱20K
Interest from 0.00%
Approval: 15 minutes
BPI
BPI personal loans up to ₱2,000,000 with flexible terms
₱10K – ₱2.0M
Interest from 25.60%
Approval: 3-5 banking days
Cash Express
Fast cash loans up to ₱20,000 with 0% first loan
₱1K – ₱20K
Interest from 0.00%
Approval: 15 minutes
Cash Loan
Quick cash loans up to ₱15,000 for urgent needs
₱500 – ₱15K
Interest from 20.00%
Approval: 15 minutes
Cash Mart
Cash loans up to ₱30,000 with fast processing
₱2K – ₱30K
Interest from 0.80%
Approval: 1 hour
Cashalo
Digital credit up to ₱10,000 with flexible repayment
₱1K – ₱10K
Interest from 6.95%
Approval: 24 hours
Cashexpress
Online cash loans up to ₱20,000 with 0% first loan
₱1K – ₱20K
Interest from 0.00%
Approval: 15 minutes
Cashspace
Quick online loans up to ₱25,000 with 0% first loan
₱1K – ₱25K
Interest from 0.00%
Approval: 15 minutes
Cashwagon
Online loans up to ₱20,000 with 0% first loan
₱1K – ₱20K
Interest from 0.00%
Approval: 15 minutes
Chinabank
China Bank personal loans up to ₱2,000,000
₱50K – ₱2.0M
Interest from 5.00%
Approval: 3-5 banking days
CIMB Bank
CIMB Bank personal loans up to ₱1,000,000
₱30K – ₱1.0M
Interest from 5.90%
Approval: 1-3 banking days
Citibank
Citibank personal loans up to ₱2,000,000
₱10K – ₱2.0M
Interest from 30.90%
Approval: 3-5 banking days
Credify
Online loans up to ₱25,000 with simple requirements
₱1K – ₱25K
Interest from 10.00%
Approval: 24 hours
Creditify
Short-term loans up to ₱25,000 with quick approval
₱1K – ₱25K
Interest from 10.00%
Approval: 15 minutes
Creditnice
Flexible loans up to ₱50,000 with easy requirements
₱1K – ₱50K
Interest from 2.00%
Approval: 24 hours
Credy
Online loans up to ₱25,000 with 0% first loan
₱1K – ₱25K
Interest from 0.00%
Approval: 24 hours
Crezu
Loan comparison service up to ₱25,000 in Philippines
₱1K – ₱25K
Interest from 0.00%
Approval: 15 minutes
Digido
Online loans up to ₱25,000 with 0% for first loan
₱1K – ₱25K
Interest from 0.00%
Approval: 15 minutes
EastWest Bank
EastWest Bank personal loans up to ₱2,000,000
₱25K – ₱2.0M
Interest from 1.49%
Approval: 3-5 banking days
Finami
Fast online loans up to ₱25,000 with 0% interest
₱1K – ₱25K
Interest from 0.00%
Approval: 15 minutes
Finbro
Online loans up to ₱50,000 with 12-month repayment
₱1K – ₱50K
Interest from 10.00%
Approval: 24 hours
Finloo
Online loans up to ₱25,000 with 0% for first loan
₱1K – ₱25K
Interest from 0.00%
Approval: 15 minutes
Finmerkado
Compare and get loans up to ₱25,000 online
₱1K – ₱25K
Interest from 0.00%
Approval: 15 minutes
GCash GLoan
GCash GLoan up to ₱125,000 with instant approval, no documents needed
₱1K – ₱125K
Interest from 1.59%
Approval: Instant
GoTyme Bank
GoTyme Bank is a digital bank in the Philippines backed by Gokongwei Group and Tyme Group, offering personal loans, savings, and a free Visa debit card.
₱5K – ₱250K
Interest from 1.50%
Approval: 1-3 banking days
Home Credit
Home Credit consumer loans up to ₱50,000 with 0% interest
₱2K – ₱50K
Interest from 0.00%
Approval: 1 hour
InstantPera
Instant cash loans up to ₱15,000 online
₱500 – ₱15K
Interest from 20.00%
Approval: 15 minutes
JuanHand
JuanHand quick loans up to ₱50,000 approved in 5 minutes with one ID
₱500 – ₱50K
Interest from 0.75%
Approval: 5 minutes
Kviku
Online loans up to ₱25,000 with flexible terms
₱1K – ₱25K
Interest from 2.50%
Approval: 15 minutes
Landbank
Landbank personal loans up to ₱10,000,000
₱10K – ₱10.0M
Interest from 10.00%
Approval: 5-7 banking days
Loan Ranger
Online loans up to ₱10,000 with fast approval
₱500 – ₱10K
Interest from 12.00%
Approval: 24 hours
LoanChamp
Online loans up to ₱20,000 with fast processing
₱1K – ₱20K
Interest from 7.50%
Approval: 24 hours
LoanLoad
Online loans up to ₱50,000 for various purposes
₱1K – ₱50K
Interest from 30.00%
Approval: 24 hours
LoanOnline
Online loans up to ₱25,000 with quick approval
₱1K – ₱25K
Interest from 11.90%
Approval: 15 minutes
Lonify
Online loans up to ₱20,000 for urgent needs
₱1K – ₱20K
Interest from 65.00%
Approval: 24 hours
Maya Credit
Maya Credit revolving credit line up to ₱30,000 with instant approval
₱500 – ₱30K
Interest from 1.00%
Approval: Instant
Maybank
Maybank personal loans up to ₱1,000,000
₱10K – ₱1.0M
Interest from 1.30%
Approval: 5-7 banking days
Mazilla
Online loans up to ₱15,000 with flexible repayment
₱1K – ₱15K
Interest from 30.00%
Approval: 15 minutes
Metrobank
Metrobank loans up to ₱10,000,000 for big financial needs
₱500K – ₱10.0M
Interest from 5.90%
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
MoneyCat
Short-term online loans up to ₱20,000 with fast approval
₱1K – ₱20K
Interest from 11.90%
Approval: 15 minutes
MoneyTree
Flexible loans up to ₱10,000 with easy requirements
₱500 – ₱10K
Interest from 10.00%
Approval: 24 hours
Monily
Online loans up to ₱20,000 with quick processing
₱1K – ₱20K
Interest from 30.00%
Approval: 24 hours
MulaLending
Online loans up to ₱50,000 for various needs
₱1K – ₱50K
Interest from 61.00%
Approval: 24 hours
My Cash
Online loans up to ₱25,000 with easy application
₱2K – ₱25K
Interest from 0.80%
Approval: 15 minutes
OFWLoan
Loans for Overseas Filipino Workers up to ₱300,000
₱5K – ₱300K
Interest from 21.00%
Approval: 3-5 banking days
Online Loans Pilipinas
Fast online loans up to ₱20,000 for Filipinos
₱1K – ₱20K
Interest from 1.00%
Approval: 15 minutes
PNB
PNB personal loans up to ₱500,000 with competitive bank rates
₱10K – ₱500K
Interest from 1.25%
Approval: 3-5 banking days
PondoPeso
Online loans up to ₱40,000 with easy requirements
₱500 – ₱40K
Interest from 5.00%
Approval: 24 hours
PSBank
PSBank personal loans up to ₱250,000
₱5K – ₱250K
Interest from 2.50%
Approval: 3-5 banking days
QuickPera
Quick loans up to ₱15,000 with instant approval
₱1K – ₱15K
Interest from 7.00%
Approval: 15 minutes
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
Robocash
Quick cash loans up to ₱25,000, 0% for first loan
₱1K – ₱25K
Interest from 0.00%
Approval: 15 minutes
SB Finance
SB Finance, a subsidiary of Security Bank, offers personal and auto loans to Filipinos with competitive interest rates and quick online approval.
₱30K – ₱2.0M
Interest from 1.89%
Approval: 5-7 banking days
SeaBank
SeaBank online loans up to ₱25,000 for Shopee users, fast approval
₱1K – ₱25K
Interest from 3.50%
Approval: Minutes
Security Bank
Security Bank personal loans up to ₱2,000,000
₱25K – ₱2.0M
Interest from 29.48%
Approval: 3-5 banking days
Social Security System Loans
SSS loans for members up to ₱500,000 with low interest
₱1K – ₱500K
Interest from 10.00%
Approval: 5-7 banking days
Soscredit
Fast online loans up to ₱25,000 with 0% interest for first loan
₱1K – ₱25K
Interest from 0.00%
Approval: 15 minutes
Tala
Tala micro-loans up to ₱25,000 approved instantly with just one valid ID
₱200 – ₱25K
Interest from 15.00%
Approval: Instant
Tonik Bank
Tonik Bank personal loans up to ₱50,000 with no credit check required
₱5K – ₱50K
Interest from 4.20%
Approval: Minutes
UnionBank
UnionBank personal loans up to ₱1,000,000
₱10K – ₱1.0M
Interest from 2.00%
Approval: 3-5 banking days
UnionBank Car Loan
UnionBank car loans up to ₱5,000,000 with competitive rates
₱50K – ₱5.0M
Interest from 5.00%
Approval: 3-5 banking days
Uploan
Salary-based loans up to ₱100,000 with low interest
₱5K – ₱100K
Interest from 0.50%
Approval: 24 hours
Welcome Finance Philippines
Welcome Finance personal loans up to ₱500,000
₱5K – ₱500K
Interest from 1.60%
Approval: 3-5 banking days
Zaimoo
Online loans up to ₱25,000 with low interest rate
₱1K – ₱25K
Interest from 0.01%
Approval: 24 hours
Personal loans come with many benefits that make them a go-to for both short and long term consumer needs.
Debt Consolidation
A personal loan can combine multiple debts into a single account, typically with lower interest rates for faster repayment.
Convenient Application
Long gone are the days when a loan application meant several trips to a lender. Online applications enable borrowing from home outside banking hours.
Higher Credit Limits
Personal loan caps tend to exceed credit card limits, with comparatively lower interest rates.
No Collateral Required
Personal loans in the Philippines are almost always unsecured, relying on salary or business income as primary security.
Fixed Payment Schedule
Enables budgetary planning with predetermined monthly installments and repayment terms across 12-60 month durations.
Longer Repayment Durations
Terms range from one to five years, contrasting with shorter, higher-interest alternatives like payday loans.