sb finance personal loan

SB Finance Personal Loan

Minimum loan amount

P 30,000

Minimum annual income

P 180,000

Add-on interest


Product Summary

sb finance personal loan

SB Finance Personal Loan

Make your dreams come true with an SB Finance Personal Loan. Borrow up to ₱2 million with no collateral and credit card required. Plus, pay your loan with flexible terms of up to 36 months. Within 5 banking days, you’ll get one step closer to your financial goals.

    • Get approved within 5 banking days
    • High loan amount of up to ₱2 million
    • Flexible payment terms of up to 36 months
    • No collateral or credit card needed
    • Ideal for: car repairs, travel funds
    Age 21 to 65 years old
    Minimum Annual Income P180,000
    Credit Card Not Required
    Landline Number Not Required
    Processing fee %
    Late payment Fee P500
    Early payment fee P5

    Is this the right product for you?

    Checkout the other personal loan listing.

    SB Finance Personal Loan Review

    Debt payment, tuition fees, and emergencies. The expenses list goes on and on, not to mention that most of these are unexpected events that throw our budget off track. Get additional cash ranging from ₱200,001 to ₱2 million with SB Finance Personal Loan. Find out more in this review.

    Where Can I Use an SB Finance Personal Loan?

    SB Finance Personal Loan is a multipurpose and low-interest loan that you can use for upcoming milestones in your life or in case of emergencies. You don’t need a high salary or an SB Finance account to avail of the loan. Below are some of the common loan purposes.

    Take note that this excludes car purchases or repairs and house/lot purchases or repairs already financed by SB Finance through a different loan.

    • School/Tuition fees - Planning to further your education or need more cash for your children’s tuition? SB Finance Personal Loan can help you with your school expenses.
    • Emergency expenses - There are good and bad surprises and no one wants the latter, especially if it involves loss of money from hospital expenses, job loss, and other emergency costs. To lessen the stress, secure a personal loan with SB Finance.
    • Travel expenses - Airfare tickets, especially with international travel, are pricey. You can account for it if planned in advance but for unexpected travels, the expenses can be daunting. Avail of a personal loan with affordable payment terms.
    • Debt payment - Losing sleep over the debts you’ve incurred is usually not limited to one night. End your worries by getting an SB Finance Personal Loan and avail of their flexible payment plans.

    Who Can Get an SB Finance Personal Loan?

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

    • 21 to 65 years old upon loan maturity
    • Filipino citizen
    • With an office or residence landline
    • Employed: Minimum gross monthly income of ₱15,000 if working in Metro Manila or ₱12,000 if outside Metro Manila
    • Self-employed or self-employed professionals:
      • Should own or have at least 40% stake of their company, with the business operating profitably for at least 2 years and with at least one trade reference.
      • Minimum gross monthly income of ₱60,000

    Security Personal Loan Requirements for Filipinos

    Aside from the general requirements mentioned below, SB Finance might ask for additional documents as needed.

    • Valid government-issued ID with photo
    • Income documents
    • Employed:
      • Certificate of Employment and Compensation issued in the last 6 months
      • Most recent ITR
      • Payslip issued in the last month
    • Self-employed:
      • Most recent 1 year Audited Financial Statement (AFS) with the previous year’s comparative financials
      • SEC/DTI Certificate
      • Business or Mayor’s Permit
      • Most recent 3 months of bank statements
      • List of three trade references (comprising of at least one supplier and customer each) with contact details
      • If a corporation, the latest GIS

    Loan Rates and Sample Computation

    To get a sample computation of your SB Finance Personal Loan, visit SB Finance’s Personal Loan website and use its Personal Loan Calculator. You can enter the loan amount and terms of payment you want and you’ll instantly get monthly payment estimates based on the loan term. Here are some sample computations for the most common loan amounts:

    SB Finance Personal Loan Rates

    • Loan amount: ₱200,001 to ₱2 million
    • Loan terms: 12, 18, 24, and 36 months
    • Monthly interest rate: 1.89%
    • Annual percentage rate: 37.53% (estimate at 36 months)
    • Processing fee: ₱2,000

    Sample Computation

    Loan Amountl

    12 months

    18 months

    24 months

    36 months

    ₱250,000 ₱25,558.33/month ₱18,613.89/month ₱15,141.67/month ₱11,669.44/month
    ₱500,000 ₱51,116.67/month ₱37,227.78/month ₱30,283.33/month ₱23,338.89/month
    ₱1,000,000 ₱102,233.33/month ₱74,455.56/month ₱60,566.67/month ₱46,677.78/month
    ₱1,500,000 ₱153,300/month ₱111,683.33/month ₱90,850/month ₱70,016.67/month
    ₱2,000,000 ₱204,466.67/month ₱148,911.11/month ₱121,133.33/month ₱93,355.56/month


    You can loan a minimum of ₱200,001 and a maximum of ₱2 million.

    The monthly add-on rate starts at 1.39% and the estimated annual percentage rate (APR) starts at 36 months is 37.53%.

    Take note of the following Security Bank loan fees:
    • Processing fee: ₱2,000 to be deducted from loan amount
    • Documentary stamps: ₱1.50 for every ₱200 for loans exceeding ₱250,000
    • Notarial fee for loans over P100,000: 
      • ₱125 for loans worth ₱100,000 to ₱500,000
      • ₱150 for loans worth ₱500,000 to ₱1 million

    You will be notified by an SB Finance representative. You can also contact their customer service hotline at (02) 8887 9188 or email them at

    You will either receive your process via manager’s check or you can have it credited to your Security Bank savings account. Bring the following documents to verify your identity.
    • For employed borrowers, original company ID and one (1) valid ID.
    • For self-employed borrowers, additional requirements as instructed by SB Finance

    You can use the online loan calculator found on the SB Finance Personal Loan page to see how much your monthly payments would be.


    Stay with us

    Subscribe to us and get the latest news