Compare interest rates, approval speed, and requirements from 8 licensed lenders. Updated March 2026.
Independent comparison — we are not a lender and do not guarantee loan approval. Rates shown are for reference only.
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Showing 8 of 8 lenders
Verified Data
Rates as of March 2026. Verify current rates directly with provider before applying.
| Lender | Amount Range | Monthly Rate | Approval | Requirements | |
|---|---|---|---|---|---|
Tonik Bank DigitalBest DigitalFastest | ₱5,000–₱250,000 | From 1.83% | ~1 hour | Filipino, 18–55 yrs, PH bank account, valid ID | View Details |
UnionBank Quick Loan BankHigh Amount | ₱10,000–₱600,000 | 1.5% add-on | 1–3 days | Employed, ₱15K min monthly income, gov't ID | View Details |
BPI Personal Loan BankHighest Limit | ₱20,000–₱2,000,000 | 1.2%–1.8% add-on | 3–5 business days | Employed/self-employed, ₱25K min income, payslip | View Details |
Metrobank Personal Loan Bank | ₱20,000–₱1,000,000 | 1.25% add-on | 5–7 business days | Filipino 18–65, employed 2+ yrs, payslip + ITR | View Details |
RCBC Personal Loan Bank | ₱50,000–₱1,000,000 | 1.3% add-on | 5–7 business days | Employed, ₱30K monthly income, payslip + COE | View Details |
Tala Philippines Lending AppNo payslip | ₱1,000–₱15,000 | 15%–30% per term | 5–30 minutes | Filipino 18+, smartphone, valid ID | View Details |
Cashalo Lending AppNo payslip | ₱1,500–₱30,000 | 3.95% monthly | 10–30 minutes | Filipino 18+, smartphone, valid ID, selfie | View Details |
RFC (Radiowealth Finance) Finance Company | ₱10,000–₱300,000 | ~3.5% monthly | 1–3 days | Filipino 21–65, employed/self-employed, valid ID | View Details |
Amount
₱5,000 – ₱250,000
Approval
~1 hour
Filipino, 18–55 yrs, PH bank account, valid ID
View DetailsAmount
₱10,000 – ₱600,000
Approval
1–3 days
Employed, ₱15K min monthly income, gov't ID
View DetailsAmount
₱20,000 – ₱2,000,000
Approval
3–5 business days
Employed/self-employed, ₱25K min income, payslip
View DetailsAmount
₱20,000 – ₱1,000,000
Approval
5–7 business days
Filipino 18–65, employed 2+ yrs, payslip + ITR
View DetailsAmount
₱50,000 – ₱1,000,000
Approval
5–7 business days
Employed, ₱30K monthly income, payslip + COE
View DetailsAmount
₱1,000 – ₱15,000
Approval
5–30 minutes
Filipino 18+, smartphone, valid ID
View DetailsAmount
₱1,500 – ₱30,000
Approval
10–30 minutes
Filipino 18+, smartphone, valid ID, selfie
View DetailsAmount
₱10,000 – ₱300,000
Approval
1–3 days
Filipino 21–65, employed/self-employed, valid ID
View DetailsCalculator
Uses reducing balance formula (actual bank method)
Monthly Payment
₱4,584.00
Total Interest
₱5,008.00
Total Payment
₱55,008.00
As you pay down the loan, the interest portion (amber) decreases and more of each payment goes to principal (gold). This is the reducing balance method.
Quick presets — click to apply rate:
For illustration only. Actual payments may differ based on add-on vs. diminishing balance method. Always confirm with your lender.
FAQ
Common questions about personal loans in the Philippines
Rates as of March 2026. Verify current rates directly with provider. Pawnshop Manila is not a lender and does not guarantee loan approval. Loan approval is subject to the lender's credit assessment and eligibility requirements.
No credit check, no payslip required. Get cash in 15–30 minutes.