• Interest rate (p.a.)

    42.00% - 42.00%

  • Loan Tenure

    0.5 - 1 years

  • Approval Duration

    3-5 working days

  • Min. monthly income


Loan calculator
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What's so great about RFSC Personal Loan?
  • No collateral required
  • Up to ₱50,000 loan approval
  • Apply for a loan with a monthly income of as low as ₱7,000 (provincial) or ₱10,000 (Metro Manila)

Product Features

Min. financing amount₱5,000.00
Max.financing amount ₱50,000.00
Min. loan tenure3 months
Max. loan tenure12 months
Interest rate3.5% per month
Approval duration3-5 working days
Debt consolidationNo

Fees & Charges

One time set up
Processing fee6% of approved loan amount
Stamp duty12 months = (PNV / 200) x 1.5; < 12 months = ((PNV /200) x 1.5) x (term / 12)
Disbursement & misc. fee₱200 notarial fee
Early settlementN/A
Late payment charges5% of amount due


Age requirementAge 21 - 64
Employment eligibilityAt least 6 months employed (permanent status) or at least 1 year employed for BPO / Contractual / Under agency
Min. salary requirement₱15,000 gross per month
Guarantor / Collateral requirementNo Collateral requirement / No Co-maker or Guarantor requirement (although there are some instances where co-maker may be required)

Other Requirements

Need to open linked banked account?No
Other detailsThird Party Payment Channels ECPay (available in 7/11 stores), Bayad Center, Metrobank, Eastwest Bank, UCPB, RCBC and BDO

Product Review byiMoney

RFSC is a fully Filipino owned company that has been offering loan solutions to the public for the past 50 years. With products that specifically cater to the usual financial needs of the common Filipino, they provide a variety of financing options that ranges from car, appliance, education, OFW, and salary loans, to business loans that covers financing for machineries and heavy equipment, medical apparatus, and even SME working capital or store inventory loans. For their personal loan, you can borrow from as low as ₱5,000 to as much as ₱50,000 at a minimum 3.5% add-on-rate per month. Loan tenure ranges from 3 months to 1 year and applicants must have a monthly income of ₱15,000 aged 21 to 64 years.

Advantages Of Applying With RFC:

  • No collateral required.
  • Low monthly income requirement.
  • 3.5% add-on interest rate per month.
  • Flexible loan tenure of 3, 6, 9, up to 12 months.

You can check below details for more information.

RFSC Personal Loan FAQ

How much can I borrow?

With RFC Personal Loan, borrow from as low as ₱5,000 to as much as ₱50,000 subject to approval.

What are the RFSC Personal Loan Requirements?

An applicant must fulfill RFSC's eligibility criteria for a loan:

  • For employed, at least 6 months employed or permanent status or at least 1 year employed for BPO / Contractual / under agency.
  • For self-employed, business must at least be 1 year operational & duly registered.
  • For OFW's or allottees, must be working or receiving remittance for at least 1 year already.
  • Borrower must be at least 21-64 years old.
  • Must be Filipino citizen and with permanent residence.

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

Employed applicants need:

  • 1 valid government-issued ID + valid Company ID
  • Latest COE (validity is 1 month from issuance date), or Philhealth/SSS Contribution (past 6 mos, with employer's name & total number of contributions)
  • Latest 2 months payslip
  • Latest Proof of Billing
  • 4 character references (2 relatives + 2 co-workers)

Self–Employed applicants need:

  • 2 valid government-issued IDs
  • Proof of Business (Valid DTI Reg & Business/Brgy Permit)
  • Picture of business
  • Proof of income from business
  • Latest Proof of Billing
  • 4 character references (2 relatives + 2 trade references)

Overseas Filipino Workers (OFWs) / Allottees will need:

  • 2 valid government-issued IDs
  • Latest 3 months Proof of Remittance
  • Latest valid Employment Contract + Plane Ticket (if any)
  • Latest Proof of Billing
  • 4 character references

*Additional documents may be required during credit evaluation.

How does the RFSC Personal Loan Calculator work?

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

Is RFSC Personal Loan the right one for me?

With a variety of loan options in the market, it will be the borrower’s responsibility to look into the details of each and every loan and check whether it is viable based on their needs. Another factor to consider is the reliability and reputation of the lender. With more than 50 years of experience, Radiowealth Finance Corporation has been providing financial services to various market segments. So if you are in the market for a non-bank loan provider offering small-scale loan amounts with low monthly income requirements, then RFC Personal Loan could be the right choice for you.

If you want to browse for more options, you can check out the following products listed below and research their features to see if it matches your needs:

FundKo Personal Loan

If you are looking for funds to finance your new business quickly, or if you need to immediately settle an outstanding debt, you can apply for a FundKo personal loan and get approved in as fast as 3 - 5 days. With this multi-purpose loan, you can borrow from as low as ₱15,000 up to ₱250,000 with an interest of 18% per annum. You can settle this loan with flexible payment terms ranging from 3, 6, 9, up to 12 months. What’s also great is that you can apply even if you don’t have any credit card or collateral. You can be eligible for this loan if you have minimum monthly salary of ₱20,000 and between 20 - 65 years of age.

Cashwagon Cash Loan

With payday still a few days away and you are already running low on funds, a good solution is to take a short-term loan just to get you through until you receive your next salary. You can then pay it off immediately to avoid paying additional fees and charges. A good option currently in the market is the Cashwagon Cash Loan. Apply without any required collateral and with a low minimum monthly income of just ₱6,000. You can borrow from a minimum of ₱2,000 up to ₱20,000 and get it straight to your bank account in as quick as 1-2 days upon approval. Interest charge will be up to 40% of the approved amount with a loan tenure of 30 days. You need to be 20 to 60 years old to apply.

Asteria Personal Loan

Whatever your need is, you can trust Asteria Lending to provide the additional funds that you require. For immediate cash, you can apply for an Asteria Personal Loan to help you resolve any urgent financial issue. Get approved in as fast as 48 hours, and get the money straight to you account. You can loan from ₱2,000 up to ₱20,000 with interest charge of 0.8% per day. There are no required collateral and you need to have a minimum monthly income of only ₱10,000. Applicants must be 21 - 60 years of age and the loan must be settle from 10 weeks up to 3 months maximum.

If you are more inclined in taking a loan from major banks in the industry, then you can always consider getting one from the top personal loan providers in the country. It may take more time and required documents to prepare before you get approved but you can easily compare and review application details on our site before you proceed with the whole process.