Compare loans in Philippines

BDO UnibankPersonal Loan

PHP 10,000 - PHP 2,000,0006,12,18,24 or 36 months.

Monthly add-on 1.30% for 6 months, 1.25% for 12-36 months. Provider annual effective rates 26.27%, 26.63%, 26.76%, 26.58%, 25.98% respectively.Monthly add-on and annual effective rate are different measures; no derived total cost.

Origination: PHP 1,300 deducted from proceeds. Documentary tax PHP 1.50 per PHP 200 or fraction for loans above PHP 250,000.Early repayment: Higher of 5% outstanding principal or PHP 300 for full early repayment.

21+ at application, at most 60 at maturity; Filipino or PH-resident foreigner. Monthly income PHP 15,000 salaried or PHP 35,000 self-employed; ID/income checks.

BDO account auto-debit required. Late penalty 5% monthly on unpaid amount due plus contractual late interest; branch-area and employment conditions apply.

MetrobankPersonal Loan

PHP 20,000 - PHP 2,000,00012-36 months.

Published APR 30.516%-33.317%.APR is the disclosed effective rate; monthly add-on pricing is a different measure.

Origination: PHP 1,500 disbursement fee; documentary stamp tax 0.75% for loans above PHP 250,000, deducted from proceeds.Early repayment: Higher of 5% of outstanding balance or PHP 550.

Filipino citizen; age 21+ and at most 65 at maturity; annual gross income PHP 250,000+; existing credit card; employed 1+ year or business 2+ years.

Approval and amount depend on credit review. PHP 850 late fee per incident. A Metrobank deposit account is required for repayment.