Average personal loan ₱50,000 to be repaid in 12 months

Loan Amount

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SB Finance Personal Loan

Achieve your financial goals when you apply for an SB Finance Personal Loan. Borrow up to ₱2 million with no credit card required and get started on your dreams.

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SB Finance Personal Loan

Monthly repayment ₱

Monthly add-on interest rate

Total repayment

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Total interest

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Rates and Fees :

Early repayment fee: 5 % of remaining principal balance plus any unpaid interest
Late repayment fee: ₱ 500
Documentary Stamp Tax: ₱ 1.5 for every ₱200, for loans exceeding ₱250,000
Processing Fee: ₱ 5000

Credit Card Requirement :

Credit card requirement: Not required

Required Documents :

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

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 180000

Landline requirement: Not required

Where Can I Use an SB Finance Personal Loan?

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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?

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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

SB Finance Personal Loan Rates

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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

SB Finance Personal Loan

SB Finance Personal Loan

Quick Facts

Quick Facts

Where Can I Use an SB Finance Personal Loan?

Who Can Get an SB Finance Personal Loan?

SB Finance Personal Loan Rates