BDO
Personal loans from BDO up to ₱1,000,000
₱10K – ₱1.0M
Interest from 25.58%
Approval: 5-7 banking days
Salary Loan
Comparing 9 offers. Updated May 20, 2026.
Best offers – Salary Loan 2026
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
BPI
BPI personal loans up to ₱2,000,000 with flexible terms
₱10K – ₱2.0M
Interest from 25.60%
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
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
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
Metrobank
Metrobank loans up to ₱10,000,000 for big financial needs
₱500K – ₱10.0M
Interest from 5.90%
Approval: 5-7 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
Salary Loans in the Philippines
A salary loan is a type of personal loan specifically designed for employed individuals, where the loan amount and repayment capacity are based on your monthly salary. In the Philippines, salary loans are offered by banks, government agencies (SSS, GSIS, Pag-IBIG), employers, and private lending companies.
Government salary loans through SSS or GSIS typically offer the lowest interest rates and most favorable terms, but are only available to active members with sufficient contributions. Private salary loans from banks or online lenders are faster to process and have fewer requirements, though they may carry higher interest rates.
The main advantage of salary loans is that repayments are often deducted directly from your paycheck, making it easier to manage. Loan amounts typically range from one to six times your monthly salary. Compare all salary loan options on CoolFinance.ph to find the best rates for your income level and employment status.