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Personal Loans

Debunking Personal Loan Myths: What You Need to Know

Uncover the truth about personal loans: discover real rates, terms, and eligibility criteria that can save you money.

Aug 12, 2026

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Personal 25.98–26.76%

BDO Personal Loan

This loan is best for individuals looking for significant funding up to ₱2 Million with manageable repayment terms.

Amount ₱10k–₱2M

Term 6–36 mo

Decision 5-7 banking days

Personal 6.0%

Tonik Quick Loan

Filipino citizens aged 21-55 with a minimum credit score looking for short-term personal loans.

Amount ₱5k–₱50k

Term 6–12 mo

Decision Instant in-app

Personal 17.88–26.28%

CTBC Bank Salary Stretch Personal Loan

This loan is best for individuals with a stable income looking for manageable loan terms and competitive rates.

Amount ₱20k–₱2M

Term 6–36 mo

Decision within 5 banking days

Personal 39.43%

SB Finance Personal Loan

This loan is ideal for individuals looking to cover various financial needs like education, business, or debt consolidation, especially for credit card holders.

Amount ₱30k–₱3M

Term 12–36 mo

Decision 1-3 business days

Personal 19.0–34.0%

RCBC Pasado Loan

This loan is ideal for first-time borrowers who need quick access to funds without the burden of collateral, making it suitable for personal expenses like education or travel.

Amount ₱20k–₱5M

Term 3–60 mo

Decision 3-5 banking days

Personal 25.98–36.74%

Metrobank Personal Loan

This loan is ideal for those with a strong credit profile seeking funding for personal ventures such as education, travel, or other milestones.

Amount ₱20k–₱2M

Term 12–36 mo

Decision 7 banking days