rcbc mycash personal loan

RCBC Personal Loan

Minimum loan amount

P 50,000

Minimum annual income

P 360,000

Add-on interest


Product Summary

rcbc mycash personal loan

RCBC Personal Loan

Got any financial goals you want to achieve right about now? Then get the help you need when you apply for an RCBC Personal Loan. Borrow up to ₱1 million to fund your short-term or long-term needs and pay it back in flexible monthly installments.

  • Borrow money up to ₱1 million
  • Get approved within 5 to 7 banking days
  • Pay in 6, 12, 24, or 36 monthly installments
  • Competitive interest rate at 1.3%
  • Ideal for: travel, home improvement, tuition
Age21 to 65 years old
Minimum Annual IncomeP360,000
Credit CardNot Required
Landline NumberRequired

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RCBC Personal Loan Review

Sometimes, all you need is a little push to make your dreams come to life. So it’s time to get up and start working on your goals, knowing that you can get a little help from RCBC Personal Loan. Borrow up to ₱1 million and pay in flexible monthly terms.

Where Can I Use an RCBC Personal Loan?

Important goals take time to materialize especially if it involves a chunk of money. This makes it the perfect time to apply for an RCBC Personal Loan so you can open the doors to your long-term plans by borrowing cash amounting to ₱50,000 to ₱1 million. Here are some of the top approved personal loan purposes:

  • Dream wedding - There’s a first time for everything and when it’s planned, there’s a strong desire to make it a memorable occasion. And sometimes, memorable moments cost a lot of money. Apply for an RCBC Personal Loan and make your dream wedding a reality.
  • Tuition fees/further education - Tuition fees aren’t easy on the pocket with increasing yearly costs, especially in prestigious schools. Cover your bases with an RCBC Personal Loan.
  • Travel expenses - Dream vacations can wait but emergency travel? That has to be addressed immediately. With RCBC Personal Loan, you’ll get your travel fund in 5 to 7 banking days and be up in the air in no time.

Who Can Get an RCBC Personal Loan?

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

  • 21 years old and above and not older than 65 years old upon loan maturity
  • Filipino citizen or dual citizen
  • Must have a mobile number, residence landline, or office landline
  • For employed:
    • Must be employed at a Securities and Exchange Commission (SEC) registered company
    • Must have at least 2 years’ employment tenure
    • Must have a minimum gross annual income of ₱360,000
  • For self-employed:
    • Must have a business in the Philippines operating for at least 3 years and profitable in the last 2 years
    • Must have a minimum gross annual income of ₱1.2 million

RCBC Personal Loan Requirements for Filipinos

  • 2 valid government-issued IDs with your photo and signature
  • Filled-out and signed application form
  • Employed:
    • Latest ITR or Certificate of Employment (COE)
    • TIN
    • Utility bill
  • Self-employed:
    • Latest documents of the following: audited financial statements, ITR, or 3 month bank statements
    • DTI/SEC Business Registration Certificate or Mayor’s Permit

RCBC Personal Loan Calculator

Curious to see the monthly payments needed for your desired loan amount and terms? Try RCBC’s online personal loan calculator to check which repayment term for your target loan amount will work best for your budget. Below is a sample computation of the usual loan amount and terms:

RCBC Personal Loan Sample Computation

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

6 months

12 months

24 months

36 months


RCBC Personal Loan Rates

Loan amount: ₱50,000 to ₱1 million

Loan terms: 6 to 36 months

Monthly interest rate: 1.3%

Minimal requirements: No collateral fee 


You can borrow money for as low as ₱50,000 and as high as ₱1 million with your RCBC Personal Loan.

Your RCBC Personal Loan is an all-purpose loan, which means you can use it to fund almost any financial need you have like travel, tuition, home improvement, car repairs, etc.

RCBC will take 5 to 7 banking days upon receiving your documents to process your loan application.

Yes! You can download the RCBC Online Banking app to view and manage your loan balance. You can also log in to the RCBC Online Banking website if you’re using a computer.

To check your loan application status, contact RCBC at 8877-7222 or email them at customercare@rcbc.com.


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