Requirements, interest rates, best lenders, and how to get approved fast. All SEC-regulated lenders only.
Verified Data
Compare interest rates, loan amounts, and approval times from top SEC-registered lenders.
| Lender | Monthly Rate | Loan Amount | Term | Approval |
|---|---|---|---|---|
BPI Personal Loan Highest Limit | 1.2%–1.8%/mo | ₱20K – ₱2M | 12–60 mo | 3–5 days |
Tonik Bank Fastest Digital | From 1.83%/mo | ₱5K – ₱250K | 3–24 mo | ~1 hour |
UnionBank Quick Loan | 1.5% add-on | ₱10K – ₱600K | 12–60 mo | 1–3 days |
Metrobank Personal Loan | 1.25% add-on | ₱20K – ₱1M | 12–48 mo | 5–7 days |
RCBC Personal Loan | 1.3% add-on | ₱50K – ₱1M | 12–36 mo | 5–7 days |
Rates as of March 2026. Verify current rates directly with provider.
Eligibility
Filipino citizen or permanent resident
At least 21, not more than 65 years old
Min. 1 year employment, 6 months in current company
₱20,000–₱50,000/month depending on lender
Government-issued ID (passport, driver's license, etc.)
Latest payslips, ITR, or certificate of employment
Primary
Supporting
Process
Review requirements. Ensure you meet income, age, and employment criteria.
Compare rates, amounts, terms, and fees. Use our comparison table above.
Gather IDs, payslips, billing statements, and income proof.
Apply online or visit a branch. Fill out the form accurately.
Lender verifies information. Takes 1–7 business days.
Sign the loan agreement. Funds released via bank transfer.
Rates
High income, perfect payment history, existing bank relationship
Stable income, good payment history, meets all requirements
Lower income, limited credit history, first-time borrower
Credit Score: Higher scores get lower rates. Banks check payment history with other lenders.
Monthly Income: Higher income demonstrates better repayment capacity.
Employment Stability: Longer tenure shows stability and reduces lender risk.
Existing Relationship: Current bank customers may get preferential rates.
Loan Amount & Term: Larger loans and longer terms may have different rate tiers.
Debt-to-Income Ratio: Lower existing debt relative to income improves eligibility.
FAQ
Rates as of March 2026. Verify current rates directly with provider. Pawnshop Manila is not a lender and does not guarantee loan approval.
Compare all lenders side-by-side and calculate your monthly payments.