• Interest rate (p.a.)

    15.00% - 15.60%

  • Loan Tenure

    0.5 - 3 years

  • Approval Duration

    Within 1-2 working weeks

  • Min. monthly income


Loan calculator
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What's so great about BDO Personal Loan?
  • Loan tenors from 6 to 36 months.
  • Flexible loan amounts, from P10,000 to P1,000,000.
  • Monthly add-on rate from 1.25% per month.

Product Features

Min. financing amount₱10,000
Max.financing amount Up to ₱1,000,000
Min. loan tenure6 months
Max. loan tenure3 years
Interest rateFixed rate of 17.07% per annum, 1.25% per month add-on, 1.30% per month for 6 month tenure
Approval durationWithin 1-2 working weeks
Debt consolidationNo

Fees & Charges

One time set up
Processing fee₱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 & misc. feeN/A
Early settlementN/A
Late payment charges5% of the outstanding balance or ₱300.00, whichever is higher


Age requirementAge 21 - 70
Employment eligibilityAt least ₱10,000.00 monthly salary for employed applicants, and ₱33,334.00 for self-employed & professionals
Min. salary requirement₱10,000 gross per month
Guarantor / Collateral requirementNo

Other Requirements

Need to open linked banked account?Yes
Other detailsMethod of Payment - Auto Debit Facility

Product Review byiMoney

BDO Personal Loan FAQ

How much can I borrow?

With a BDO Personal Loan, borrow as much as P1,000,000, subject to approval. You can even borrow as little as P10,000, for those short-term emergencies.

What are the BDO Personal Loan Requirements?

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

  • Filipino citizen or foreigner residing in the Philippines for more than two (2) years
  • Must be 21 years old at time of application but no more than 70 years old upon maturity
  • Minimum Gross Annual income​:
    • P120,000 for Salaried Employees
    • P400,000 for Self-Employed / Professionals​
  • Must have at least one (1) landline at either residence or office
  • Residence or office must be within BDO serviceable area
  • Additional application requirement for Salaried Employees:
    • Must be at least one (1) year tenure with the company
  • Additional application requirement for Self-Employed:
    • Must be a sole proprietor or majority part-owner of a company operating for at least two (2) years.
  • Additional application requirement for Professionals:
    • Must be in private practice for at least one (1) year

Consequently, after filling out an application form, the following documents are necessary:

Fully Employed applicants need:

  • Photocopy of the latest BIR Form 2316 or W2 signed by employer's authorized representative (MANDATORY) and submit any of the following:
    • Original Certificate of Employment and Income (COEI) issued in the last three (3) months indicating status, length of service and breakdown of compensation
    • Photocopy of last full month pay slip

Self–Employed and/or Overseas Filipino Worker (OFW) applicants will 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 and Exchange 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 such as:
    • Passport
    • Driver's License
    • Overseas Workers Welfare Administration (OWWA) ID
    • OFW ID
    • Seaman's Book
    • Other government-issued IDs
    • Company ID's issued by private entities or institutions registered or supervised either by BSP, SEC or IC.
  • If you are more interested with personal loan options for OFWs, BDO offers two types of OFW personal loans at the moment. The primary difference between the two is the collateral requirement. To learn more, you can check out both BDO Kabayan Secured Personal Loan and BDO Kabayan Unsecured Personal Loan so you can get a better understanding of the requirements and benefits of both and apply for the one that best suits your need.

Resident foreigners need:

  • Copy of Employment Contract or Certificate of Employment
  • Letter from the Embassy (if Embassy Official)
  • Submit photocopy of any of the following:
    • Valid Passport with Resident Visa; OR
    • Work Permit and valid Visa; OR
    • Special Investor's Resident Visa and Visas Philippine Economic Authority or Visa with EO226; OR
    • ACR or ICR or ACR1

*Additional documents may be required during credit evaluation.

How does the BDO Personal Loan Calculator work?

The BDO 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.

Searching for alternatives? You can also view personal loans from other banks in the Philippines listed below:

BPI Personal Loan
  • Keep a close eye on your loan payments and outstanding balance online, anytime and anywhere with BPI Personal Loan. Take a loan amount for as low as ₱20,000 and up to ₱1,000,000 at only 14.4% interest rate per annum. With flexible loan payment of 1-3 years, you can surely plan your finances ahead of time. You may apply if you are 21 years old and above, with minimum income of ₱25,000 a month.

  • Security Bank Personal Loan
  • Security Bank Personal Loan offers highly competitive rates and flexible payment plan for those with immediate cash needs. With a low monthly income requirement of just ₱15,000, you can borrow any amount starting from ₱30,000 to ₱1,000,000 at an interest rate of 16.7% per year. Loan tenure is 1-3 years. You also have to be at least 21 years of age to apply.

  • EastWest Bank Personal Loan
  • For whatever use you may have, EastWest Bank Personal Loan offers a quick and easy solution for your cash needs. With an add-on interest rate of 1.49% per month, you can borrow any amount that ranges from ₱25,000 to ₱2,000,000, payable in 1-3 years. To be eligible, you need a low minimum income of ₱15,000 per month and at least 21 years of age.

  • If you still want to look at other options, you can browse through our list of Personal Loans available on our website and compare which plan matches your need.