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A personal loan is an excellent way to get access to your funds when you need it to meet your immediate monetary needs. Getting approved for one is relatively easy and a personal loan in the Philippines doesn't usually require a collateral. This can help you supplement important or emergency expenses such as school tuition fees, home renovation projects or business capital.

Paying off a personal loan in the Philippines is straightforward and affordable so that it's easy to stay on top of your finances. Personal loans may have:

  • Fixed interest rates for the entire loan duration, which means that the amount of your monthly payments is not subject to change until you have repaid your loan
  • Fixed terms, which means you know exactly how many payments you need to make and exactly when you'll be able to complete your loan payments
  • Extended payment periods, which allows you to schedule payments and manage your household/personal budget more effectively
  • Required monthly principal payments, which ensure that interest rates do not bury you deep in debt over a period of time

Banks in the Philippines make it easy to get a personal loan, not only in terms of requirements, but with the whole application process. The personal loan requirements that you need to be qualified for one are:

  • You must be a Filipino citizen
  • You must be at least 21 years old
  • You must have a permanent residence or place of business in the city where you reside or operate a business
  • You must meet a minimum income requirement, which varies according to different lending companies
  • You must have proof of a stable income through tenure of employment or duration of setting up a business
Yes, you can get a personal loan from a bank that you do not have an account with. What is essential to get a personal loan in this case is sufficient evidence from your existing bank that you can pay it in advance.
Different banks have varied processing timeframes, but most banks take 3 - 7 business days upon receiving your complete requirements. Use our comparison tool to get more information on how long it will take to get a loan approval.
The minimum amount you can borrow for a personal loan is Php10,000.00 - Php50,000.00 and the maximum amount is usually Php1,000,000.00.

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