• Interest rate (p.a.)

    14.40% - 14.40%

  • Loan Tenure

    1 - 3 years

  • Approval Duration

    Within 8-13 banking days

  • Min. monthly income


Loan calculator
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What's so great about BPI Personal Loan?
  • Approved loan amount of ₱20,000.00 up to ₱1,000,000.00.
  • Fixed add-on interest rate of 1.20% per month.
  • Payments are automatically debited from your BPI account

Product Features

Min. financing amount₱20,000.00
Max.financing amount Up to ₱1,000,000.00
Min. loan tenure1 year
Max. loan tenure3 years
Interest rate1.20% per month add-on
Approval durationWithin 8-13 banking days

Fees & Charges

One time set up
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 charges5.00% per month on any balance outstanding


Age requirementAge 21 - 60
Employment eligibilityAt least ₱25,000.00 monthly income for employed, ₱30,000.00 for Overseas Filipino Workers and ₱50,000.00 for self-employed
Min. salary requirement₱25,000 gross per month
Guarantor / Collateral requirementNo

Other Requirements

Need to open linked banked account?Yes
Other detailsMethod of Payment - Monthly payments are automatically debited from the nominated BPI account

Product Review byiMoney

BPI Personal Loan FAQ

How much can I borrow?

With a BPI Personal Loan, borrow as much as 3 times of your gross monthly income, with amounts ranging from P20,000 up to P1,000,000, subject to approval.

What are the BPI Personal Loan Requirements?

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

  • Must be at least 21 at the time of loan application and not older than 60 years old upon loan maturity.
  • A Filipino citizen living or working within a BPI - approved geographical lending area.
  • At least a permanent resident employed for two years with a gross salary of P25,000.00 per month
  • An Overseas Filipino Worker with a minimum gross salary of P30,000.00 per month and employed for two years.
  • Self-employed applicants need to have an operational business for at least three years and a P50,000.00 minimum monthly income.

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

Fully Employed applicants need:

  • Government-issued photo-bearing ID (Passport, Driver's License, SSS, PRC, etc.)
  • 3 months original pay slip and/or Latest Income Tax Return with BIR or Bank stamp (BIR Form 2316)

Self–Employed applicants need:

  • Business must be operational for at least 3 years
  • Government-issued photo-bearing ID (Passport, Driver's License, SSS, PRC, etc.)
  • Audited Financial Statements for the last 3 years
  • Latest Income Tax Return (BIR Form 1700 /1701)
  • Business Permit from DTI or SEC

Overseas Filipino Workers (OFWs) will need:

  • Government-issued photo-bearing ID (Passport, Driver's License, SSS, PRC, etc.)
  • Agency based: POEA contract or Employment contract with boarding date Direct hire: Proof of remittance, POEA OFW Information Sheet or POEA Overseas Employment Certificate and Work Contract

For Filipino workers based overseas who are interested in getting a BPI Personal Loan, BPI offers two options that are specific to both sea and land-based OFWs. Get more info about BPI Land-based OFW Personal Loan and BPI Seafarer Personal Loan, its requirements, terms and conditions, and apply for the one best suited to your needs.

*Additional documents may be required during Credit evaluation.

How does the BPI Personal Loan Calculator work?

The BPI 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.

If you are considering personal loans from other banks in the Philippines, we also recommend:

BDO Personal Loan

  • Get easy financing options with BDO Personal Loan as you enjoy low rates and flexible payment terms. Loan a minimum amount of ₱10,000 to as high as ₱3,000,000 with just ₱10,000 minimum monthly income requirement. You can pay the loan as early as 3 months and up to a maximum tenure of 3 years. You also enjoy minimum interest rate of 15% per annum.

  • Maybank Enable Personal Loan
  • Maybank Enable Personal Loan offers one of the more enticing packages in the market today. You can borrow any amount from ₱50,000 to ₱1,000,000 at a low interest rate of 13.2% per annum for a maximum tenure of 3 years. Minimum income requirement is also set at just ₱18,000 per month.

  • Citi Personal Loan
  • With one of the most well renowned banks in the world, getting a Citi Personal Loan has never been as quick and easy as before. Get approved in as fast as 24 hours with a long loan tenure of up to 5 years. Borrow any amount from ₱20,000 up to ₱2,000,000 with interest rate as low as 15.16% per annum. You also enjoy low income requirement of just ₱21,000 a month.
  • If you still haven't found what you're looking for, you can check out the other Personal Loans present on our website and review which one matches your requirements.