• Interest Rate (p.a.)

    16.68% - 20.28%

  • Loan Tenure

    1 - 3 years

  • Approval Duration

    Up to 5-7 banking days

  • Min. monthly income


Loan calculator
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What's so great about Security Bank Personal Loan?
  • Loan tenors from 12 to 36 months.
  • Flexible loan amounts, from ₱30,000 to ₱1,000,000.
  • Monthly add-on rate from 1.39% per month.

Product Features

Min. financing amount₱30,000.00
Max.financing amount Up to ₱1,000,000.00
Min. loan tenure1 year
Max. loan tenure3 years
Interest rateAs low as a 1.39% monthly add-on interest rate
Approval durationUp to 5-7 banking days
Debt consolidationNo

Fees & Charges

One time set up
Processing fee₱2,000.00.00 to be deducted from loan amount upon loan booking
Stamp duty₱1.00 for every ₱200.00 in excess of ₱250,000.00 of the loan amount
Disbursement & misc. feeNotarial fee from ₱125.00 to ₱400.00 depending on the loan amount
Early settlement5% of remaining principal balance plus any unpaid interest
Late payment charges3% of the amount due or ₱500.00 whichever is higher


Age requirementAge 21 - 65
Employment eligibilityAt least ₱15,000.00 monthly income for Metro Manila applicants and ₱12,000.00 for provincial applicants
Min. salary requirement₱15,000 gross per month
Guarantor / Collateral requirementNo

Other Requirements

Need to open linked banked account?Yes
Other detailsMethod of Payment - Post-dated checks

Product Review byiMoney

Security Bank Personal Loan FAQ

How much can I borrow?

With a Security Bank Personal Loan, borrow as much as ₱1,000,000, subject to approval.

What are the Security Bank Personal Loan Requirements?

An applicant must fulfill Security Bank’s eligibility criteria for a loan:

If employed:

  • Regular and permanent with current employer and with total employment of at least one (1) year
  • For call centers, minimum employment tenure is 3 years.
  • Minimum gross monthly income of ₱15,000.00 (for Metro Manila) or ₱12,000.00 (outside Metro Manila)

If self-employed:

  • With at least two (2) continuous years of profitable operations in the same line of business
  • Minimum gross monthly income of ₱30,000.00 (for Metro Manila) or ₱25,000.00 (outside Metro Manila)

Fully Employed applicants need:

  • Photocopy of company ID with clear photo and signature
  • Photocopy of one (1) valid government-issued photo ID with three (3) specimen signatures
  • Latest one (1) month payslip
  • Latest BIR Form 2316 or latest certificate of employment

Self-Employed applicants need:

  • Two (2) valid government-issued IDs
  • Latest ITR with BIR stamp
  • Latest 2 years Audited Financial Statements
  • SEC Registration/DTI
  • Business Permit/Mayor’s Permit
  • Latest six (6) months bank statements
  • List of 3 suppliers and 3 customers with contact details
  • Latest GIS (if corporation)

How does the Security Bank Personal Loan Calculator work?

The Security Bank Personal Loan calculator computes the estimated cost of borrowing and amount of payment per instalment. Input the desired loan amount to automatically get the estimated monthly amortization for different tenors.

Listed below are personal loan options also available from other banks in the Philippines:

BPI Personal Loan
  • As one of the most reliable banks in the country, BPI Personal Loan can provide the additional funds that you urgently need. You can borrow as little as ₱20,000 up to ₱1,000,000 at a very reasonable monthly add-on interest rate of 1.2%. Having flexible payment terms, you can conveniently settle the loan in 1-3 years. To be eligible, you need at least ₱25,000 gross income per month and minimum 21-60 years of age.

  • BDO Personal Loan
  • Being one of the country's biggest banks, you can rely on BDO Personal Loan for your immediate money concerns. With competitive interest rate of 15% per annum, you can get a loan from ₱10,000 up to a maximum of ₱3,000,000 payable in flexible terms from 3 months to 3 years. To apply, you just need a minimum monthly income of ₱10,000 and at least 21 years of age but not more than 70 years old upon loan maturity.

  • PSBank Flexi Personal Loan
  • PSBank Flexi Personal Loan with Prime rebate presents a one-of-a-kind option available in the market. It has the flexibility of having a revolving credit line and a fixed term loan that lets you borrow any amount starting from ₱20,000 up to ₱250,000. With competitive monthly interest rate of 2.5% for revolving loan or 1.75% add-on rate for term loan which you can pay in 2 or 3 years. To be eligible, you need a minimum gross monthly income of ₱15,000 and should be at least 22-54 years old upon application.

  • To assist you in choosing the right loan, our team also recommends that you take a look at our featured list of Salary Loan present on our website that matches your requirement.