Key Product Features

Min. financing amount ₱10,000.00
Max. financing amount Up to ₱3,000,000.00
Min. loan tenure 3 months
Max. loan tenure 3 years
Interest rate Fixed rate of 17.07% per annum, 1.25% per month add-on, 1.30% per month for 6 month tenure
Approval duration Within 7 working days
Debt consolidation No

Fees and Charges

One time set-upPenalties
Processing fees
₱1,300.00, this will be automatically deducted from your loan cash-out.
Stamp duty
₱1.00 for every ₱200.00 of the loan amount if for business use. Otherwise, ₱1.00 for every ₱200.00 in excess of ₱250,000.00
Disbursement and misc. fee
Early settlement
Account Maintenance Fees
Late payment charges
5% of the outstanding balance or ₱300.00, whichever is higher


Age requirement
Applicant must be between 21 - 60 years of age
Min. salary requirement
At least ₱10,000.00 monthly salary for employed applicants, and ₱33,334.00 for self-employed & professionals
Guarantor / Collateral requirement

Other Requirements

Need to open linked bank account?
Method of Payment?
Auto debit Facility

BDO Personal Loan FAQ

What are the BDO Loan Requirements?

The applicant should be at least:

  • 21 years old.
  • And a citizen or a permanent resident employed.
  • After filling out a form of application for BDO loans, documents that consist of information like income, current employer and identification and are necessary for submission and bank reference. This is necessary for the bank’s assessment procedure. Requirements for fully employed and self – employed applicants differ.

    Fully Employed applicants need:

  • Latest Income Tax Return (ITR) or BIR Form and original pay slip (one whole month)
  • Photocopy of valid photograph-bearing ID (i.e. Passport, Driver’s License orany Government-Issued ID such as PRC ID, SSS card type ID or BIR card type ID)
  • If no residential landline, copy of latest billing statement to residential address
  • If alien, Passport or ACR reflecting permanent residency visa
  • Self – Employed applicants need:

  • Photocopy of Registration of Business Name. For Single Proprietorship issued by the DTI (Department of Trade and Industry). For Partnerships issued by the SEC (Securities andExchange Commission)
  • Photocopy of latest ITR and W4 with BIR/Bank Stamp (MANDATORY)
  • Photocopy of latest Audited Financial Statements for the last two (2) years
  • Photocopy of Bank Statements for the last six (6) months (OPTIONAL)
  • Proof of Identification - Photocopy of at least two (2) valid photo-bearing identification documents, front and back, issued and signed by an official authority
  • How long does your BDO Loan Application get approved?

    It takes 7 working days of assessment for a personal loan. BDO’s website also provides an interface for users to check their application status online. If approved, it will take another three days for loan payout. If not, a customer representative will notify you via email or a text message of loan rejection. To reapply, it would take another three - six months, so it is better to apply in other banks.

    How does the BDO Loan Calculator work?

    Unlike any other loan calculator, BDO personal loan calculator provided by iMoney helps you to decide which bank gives the most competitive rate in the market at the moment. Consequently, the calculator gives out essential information like how much income should a borrower leave out for monthly repayments and the corresponding BDO personal loan rates for a desired loan amount.

    How to: Loan in BDO?

    BDO loans are mostly done offline but it can also be applied online. Visit to get a copy of the application form and for detailed information related to BDO personal loans, housing loans and current promotions.

    Apply for free

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