Minimum loan amount
Minimum annual income
Stop pressing the pause button on your goals and get started today when you apply for a Metrobank Personal Loan. Enjoy flexible payment terms payable up to 36 months with interest rates as low as 1.25%.
|Age||21 to 65 years old|
|Minimum Annual Income||P350,000|
|Landline Number||Not Required|
|Valid TIN / SSS / GSIS or UMID number|
|Valid TIN / SSS / GSIS or UMID number|
|Late payment Fee||P850|
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Make this the year when you’ll finally go on your dream vacation, pay for your child’s future tuition fees, or start your business. See a bright future ahead of you with Metrobank Personal Loan—no collateral needed and loan approval as fast as 7 days.
A little bit of financial help can turn your dream into reality. Start your year right and make it happen by borrowing as much as ₱1 million with Metrobank Personal Loan. Only minimal requirements are needed and payment terms are flexible. Use your loan for one of the following purposes:
Emergency expenses - Say goodbye to sleepless nights brought about by the intense need for cash to fund emergencies and start sleeping right when you get a Metrobank Personal Loan. It’s good for emergencies since the transaction process only takes 7 banking days.
Child’s education - Inflation is at an all-time high and affects every expense you can imagine, including your child’s tuition fees. Prepare for it now with a little help from Metrobank Personal Loan in the Philippines.
Dream vacation - Your dream vacation is now within reach when you get a Metrobank Personal Loan. Add more cash to your travel fund and start your jetsetter life.
Before applying for a loan, you need to meet the following Metrobank Personal Loan eligibility criteria:
21 years old and above and not older than 65 years old upon loan maturity
Minimum annual salary of ₱350,000
Must be an existing primary credit cardholder for at least 9 months with a ₱25,000 credit limit
For employed: Must be a regular employee with at least 1 year tenure with their current employer
For self-employed: Must be at least 2 years in their current business
Valid government-issued ID with your photo and signature
Filled-out and signed application form
Metrobank deposit account (once the loan has been approved)
Signed Promissory Note and Disclosure Statement (PNDS)
Metrobank has an online personal loan calculator that you can use to check which repayment term for your target loan amount will work best for your budget.
Note: The resulting figures of your calculation are just estimates. They’re subject to change. Remember that your actual amortizations will be reflected in the loan disclosure statement.
Loan amount: ₱20,000 to ₱1 million
Loan terms: 12, 18, 24, or 36 months
Monthly interest rates:
Late payment penalty fee: ₱850 per incidence
Pre-termination fee: ₱550 or 5% of the outstanding balance, whichever is higher
Disbursement fee: ₱1,000
Documentary Tax Stamp Fee: ₱1.50 for every ₱200 of the loan amount (only for loan amounts above ₱250,000)
Minimal requirements: No collateral fee
Applying for a Metrobank Personal Loan is easy when done online. Make it more convenient when you apply for a loan via Moneymax. Just follow these simple steps:
Getting a Metrobank Personal Loan through Moneymax entitles you to a free welcome gift! Just apply on the Moneymax website and choose your gift from there. Once your personal loan application is approved, you'll receive your chosen gift within weeks. Learn more about our promo in our Rewards FAQs.
You can borrow as low as ₱20,000 and as high as ₱1 million.
Aside from the monthly add-on interest, a disbursement fee of ₱1,000 will be deducted from your loan proceeds. For loans higher than ₱250,000, a documentary stamp tax charge will be implemented.
Once your application is approved, you’ll need to open a Metrobank deposit account to make it more convenient for you to receive your loan and pay your monthly installments through an auto-debit arrangement.
An auto-debit arrangement means Metrobank will automatically get your loan payment from your Metrobank deposit account on your monthly due date.
Metrobank will call you with updates on your loan application. You can also call them at (02) 88-700-700 or email them at email@example.com to follow up on your application.
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