metrobank personal loan

Metrobank Personal Loan

Minimum loan amount

P 20,000

Minimum annual income

P 350,000

Add-on interest


Product Summary

metrobank personal loan

Metrobank Personal Loan

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%.

  • Borrow funds up to ₱1 million
  • Get approved within 7 banking days
  • Pay in 12, 18, 24, or 36 monthly installments
  • Monthly add-on rate as low as 1.25%
  • Ideal for: planning weddings, travel expenses
Age21 to 65 years old
Minimum Annual IncomeP350,000
Credit CardRequired
Landline NumberNot Required
Regular Employee
Valid TIN / SSS / GSIS or UMID number
Valid TIN / SSS / GSIS or UMID number
Late payment Fee P850

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Metrobank Personal Loan Review

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. 

Where Can I Use a Metrobank Personal Loan?

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.

  • Weddings - Always want to have a fairytale wedding? You don’t need a fairy godmother to appear and grant your wish. Just apply for a Metrobank Personal Loan and be your own fairy godmother AND princess bride-to-be.

Who Can Get a Metrobank Personal Loan?

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

  • Filipino citizen

  • Minimum annual salary of ₱350,000 

  • 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

Metrobank Personal Loan Requirements for Filipinos

  • 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 Personal Loan Calculator

To get a sample computation of your Metrobank Personal Loan, visit the Metrobank Personal Loan website and use its Metrobank Personal Loan Calculator. You can enter the loan amount you want and instantly get your monthly payment estimates. You can call them at (02) 88-700-700, 1-800-1888-5775 (domestic toll-free), email at, or head down to the nearest branch to inquire.

Metrobank Personal Loan Rates

Loan amount: ₱20,000 to ₱1 million

Loan terms: 12, 18, 24, or 36 months

Monthly interest rate: 1.25% for 24 and 36-month loan terms, 1.5% for 12 and 18-month loan terms

Late payment penalty fee: ₱850 per incidence

Pre-termination fee: ₱550 or 5% of the outstanding balance, whichever is higher

Disbursement fee: ₱1,000

  • Fee for Documentary Tax Stamps for loans above ₱250,000

Minimal requirements: No collateral fee 


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 to follow up on your application.


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