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Zuki by SB Finance: How to Get a Loan in Just a Few Taps

Jay Pagkatotohan

Jay Pagkatotohan

Last updated June 09, 2022

You’re living in a world where you can access almost everything with just a few taps on your mobile screen. You can shop, buy plane tickets, and transfer money without leaving the comforts of your home. The lending industry knows that mobile is the future, which is why a lot of banks and financial institutions offer personal loans via apps.

SB Finance, a partnership between Security Bank and Thailand’s Bank of Ayudhya (Krungsri), has developed a masa-friendly mobile app called Zuki where one can conveniently apply for a personal loan.

If you want to learn how to apply for a personal loan using Zuki by SB Finance, here’s a guide to help you out.

What is Zuki by SB Finance ?

zuki by sb finance - what is zuki app?

Zuki is a mobile app that customers can use to apply for SB Finance’s loan products. The app was created as a response to the consumer behavior that was altered by the pandemic, which in turn led to lenders’ digital transformation, according to Abigail Casanova, the president and chief executive officer of SB Finance.[1]  

Because you’re applying for a loan online, there’s no need to go to the lender’s physical office. Even the submission of the required documents happens online.

Zuki by SB Finance is available on Google Play and App Store.  

Why Should I Use the Zuki App by SB Finance?

There are few reasons to use the Zuki app to apply for an SB Finance loan. Here are two of the most significant.

It’s User-Friendly

Zuki is a very straightforward app. The design is simple and easy to use. There aren’t many technical terms and jargons, thus keeping the customers focused on the features, benefits, and terms of the SB Finance’s loan products.

Moreover, the app is friendly to non-Security Bank clients. You don’t need to have an account with Security Bank to use Zuki.

You Have Access to Four Different Loans

zuki by sb finance - Access to Four Different Loans

Zuki responds to its clients’ varying needs by giving them access to four loan products:

  • Personal Loan – This is a cash loan that you can use for different purposes, from education and emergency expenses to business and travel.
  • Car4Cash – You can pawn your car’s OR/CR for cash. The good thing about this product is that you don’t have to surrender your car to SB Finance.
  • Hooloogan –  Buy at SB Finance’s partner merchants and pay for the purchase in easy installment terms.
  • MotorsikLOAN – Planning to get a bike? You can easily buy either a regular motorcycle or a high-end one with this loan. Those planning to buy a pre-owned motorcycle can also use this product.

Can You Tell Me More About SB Finance’s Personal Loan?

Through Zuki by SB Finance, you can apply for a personal loan amounting from ₱30,000 to ₱2 million. The payment terms are also flexible. You can choose from 12,18, 24, or 36 months. The interest rate is pretty low at 1.89% per month as well.

Aside from the convenience of online application, applying for a personal loan using the Zuki app has two other benefits.

No Need for Collateral

You don’t need to worry about surrendering any of your personal assets to apply for a loan. Once your application is successful, you can get your cash right away.

No Need for a Credit Card

SB Finance doesn’t require you to provide your credit card details for your loan to be approved. So, be wary if someone asks you to supply such information.

Explore more personal loan options in the Philippines:


Requirements for Loan Application via Zuki by SB Finance

Below are the general and documentary requirements that you need to provide for the personal loan application. Note that employed and self-employed applicants have their own sets of requirements.  

Eligibility Requirements

  • Filipino citizen
  • At least 21 years old at the time of application but should not be more than 65 years old when the loan matures
  • If employed, Metro Manila-based applicants must have a monthly income of ₱15,000.
  • Employed applicants outside Metro Manila must have a monthly income of ₱12,000.
  • If self-employed, loan applicants must be the owner or the majority owner of the business with at least 40% stake. The business must be operating profitably for at least two years. Applicants must have a minimum gross monthly income of ₱60,000. Furthermore, they must also provide at least one trade reference.

Documentary Requirements for Employed Applicants

  • Completely filled out application form
  • One valid government-issued ID with photo
  • Valid income documents, any of the following:
    • Latest one-month pay slip
    • Certificate of Employment and Compensation (at least issued within the last six months)
    • Latest Income Tax Return (ITR)

Documentary Requirements for Self-Employed Applicants

  • Completely filled out application form
  • One valid government-issued ID with photo
  • Latest one-year Audited Financial Statement (AFS) with at least the previous year’s financial records
  • DTI Certificate / SEC Registration
  • Mayor’s Permit/ Business Permit
  • List of three trade references (at least 1 supplier and 1 customer) including their contact details
  • If corporation, latest General Information Sheet (GIS)[2]

How Can I Apply for Personal Loan via Zuki by SB Finance?

Applying for a personal loan via Zuki by SB Finance is easy. Here are the steps you need to follow.

zuki by sb finance - how to apply for loan via zuki app by SB Finance
  1. Download the Zuki loan app.
  2. Tap the “Register Now” button.
  3. After reading the Privacy Policy, tap the “Next” button and supply the required information
  4. Log into the app using the information you provided and tap the “Apply” tab to access the loan products.
  5. Select your loan product. In this case, tap the “Personal Loan” tab.
  6. After choosing the loan product, read and accept the Terms and Conditions. Then, tap the “Next” button.
  7. Scan one valid ID with photo and signature.
  8. Take a selfie for a verification.
  9. Once done, you’ll be asked to fill out an application form. Make sure that all the details are correct.
  10. Upload the required documents.
  11. Wait for the notification from Zuki app informing you that your application is approved. The app will also include important details, such as the loan release schedule.

Important note: An authorized SB Finance representative will contact you for the confirmation of your loan release schedule. In case you have issues related to this, contact SB Finance’s customer service team at 8887-9188 or via

How Will I Receive the Loan Proceeds?

The proceeds of your loan will be transferred to your chosen bank via InstaPay or PESONet.[3]

Are There Other Fees and Charges?

Yes. SB Finance will charge you the following fees:

  • Processing fee – ₱2,000
  • Notarial fee (for loans worth ₱100,000 and up) – ₱300
  • Documentary stamps (for loans worth ₱250,000 and up) – ₱1.50 for every ₱200
  • Pre-termination processing fee ₱2,500
  • Late payment fee ­­– 3% of the amount or ₱500, whichever is higher.

Final Thoughts

Applying for a personal loan shouldn’t be a bother these days, especially with mobile apps like Zuki by SB Finance. While the medium for application is newer and much more convenient, conventional wisdom still applies: borrow money only when you actually need it.

Moreover, borrow what you can pay. In this regard, you must already have a strategy for repayment in place even before you apply for a loan.  

Looking for Alternatives? Check Out These Personal Loans in the Philippines

Still not decided on what loan to avail of? Here are other options from reputable banks and private lenders to consider.

Personal Loan Providers Minimum Loan Amount Minimum Annual Income Approval Time

Citibank Personal Loan  

Compare Now

100,000 250,000 Fast approval time in as fast as 24 hours

Note: This product is sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.

Maybank Personal Loan

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50,000 300,000 Apply for a loan online in just a few clicks
RCBC Bank Personal Loan

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50,000 360,000 Get approved within 5 to 7 banking days
PBCOM Personal Loan

₱10,000 N/A Get approved within 1 to 2 days
SB Finance Personal Loan

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₱30,000 ₱180,000 Get approved within 5 banking days
CIMB Bank Personal Loan

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30,000 180,000 Apply within 10 minutes and get approved in 24 hours
HSBC Personal Loan

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30,000 168,000 Get approved within 5 to 7 banking days
EastWest Bank Personal Loan

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₱25,000 ₱180,000 Get approved within five to seven banking days
BPI Personal Loan

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20,000 300,000 Get approved within 5-7 banking days
CTBC Bank Personal Loan

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₱20,000 180,000 Get approved within 3 to 5 banking days
EasyRFC Multi-Purpose Loan

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10,000 120,000 Fast approval time in as fast as 24 hours


Jay is a marketing communications professional who specializes in short-form and long-form content. He has written ads for TV, radio, print, and digital. He has also produced corporate blogs, magazine features, white papers, product listings, reviews, and press releases for clients here and abroad. When he’s not writing, Jay plays the piano or takes pictures for his visual diary. Follow Jay on LinkedIn.