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BPI Personal Loan

Plan for today, tomorrow, and the future when you apply for a BPI Personal Loan online. Borrow up to three times your gross monthly income and pay it back in flexible monthly installments.

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Default Repayment ₱50000 to be repaid in 12 months
12 mth
24 mth
36 mth

BPI Personal Loan

BPI Personal Loan
Monthly repayment
Monthly add-on interest rate
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Where Can I Use a BPI Personal Loan?


Get additional cash to fund your needs with BPI Personal Loan. You can apply for a loan collateral-free of up to ₱2 million or 3x your monthly salary. Monthly payments are up to 36 months and requirements are minimal. You can pay for your personal needs such as:

  • House renovation - Start hiring experts for repairs that were put on hold or to transform your house from ordinary to Instagram-worthy. Get a personal loan to achieve your house goals so you can comfortably live in your home.
  • Tuition fees/school expenses - Back to school also means it’s time to pay a higher tuition fee and additional school expenses such as a laptop or tablet, uniform, bag, and other school supplies. Be ready for school season by getting a BPI Personal Loan.
  • Travel expenses - Saving for a dream vacation might take a lifetime and life is short. Plan your trip now and get a little bit of help with BPI Personal Loan.

Who Can Get a BPI Personal Loan?


Before applying for a loan, you need to meet the following BPI Personal Loan eligibility criteria:

  • 21 years old and above and not older than 60 years old upon loan maturity
  • Filipino citizen
  • For non-OFWs, lives within 30 km from the nearest BPI branch
  • Minimum annual salary of ₱300,000

BPI Loan rates

  • Loan amount: ₱20,000 to ₱2 million
  • Loan terms: 12, 18, 24, 30, or 36 months
  • Monthly interest rate: 1.2%
  • Annual contractual rate/effective interest rate: 25.03% to 25.60%
  • Late payment penalty fee: 5% of the amount due
  • Processing fee:
    • Below ₱250,000 - A one-time fee of ₱1,500 that will be deducted from loan proceeds
    • Above ₱250,000 - Documentary Stamps Tax equivalent to ₱1.50 for every ₱200 of the loan amount as required by the government
  • Minimal requirements: No collateral fee and no pre-termination fee