• Interest rate (p.a.)

    16.68% - 20.28%

  • Loan Tenure

    1 - 3 years

  • Approval Duration

    Up to 3-5 banking days

  • Min. monthly income


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What's so great about SB Finance Personal Loan?
  • Loan tenors from 12 to 36 months.
  • Flexible loan amounts, from ₱30,000 to ₱2,000,000.
  • Monthly add-on rate from 1.39% per month.

Product Features

Min. financing amount₱30,000.00
Max.financing amount Up to ₱2,000,000.00
Min. loan tenure1 year
Max. loan tenure3 years
Interest rateAs low as a 1.39% monthly add-on interest rate
Approval durationUp to 3-5 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

As one of the leading universal banks in the Philippines, Security Bank prides itself on being the first private and Filipino-owned bank after the second world war. Applying a customer-centric approach to their business, their priority is providing personalized solutions that will fit the specific needs of their clientele. Engrained with a customer-first mindset, they offer a wide range of products and services that includes financing and leasing, investment banking, foreign exchange, and stock brokerage, as well as asset management via their subsidiaries. With a desire to assist in their customer’s financial growth, Security Bank Personal Loan is positioned as a multi-purpose, low-interest loan option that can cater to the financial requirements a customer may have. You can borrow from as low as ₱30,000 up to ₱2,000,000 with flexible payment terms starting from 12 months up to 3 years. Loan approval is relatively quick and usually takes place within 5 days. The Annual Percentage Rate starts at 29.48% with a low monthly add-on rate of just 1.89%. To be eligible, you need to have a minimum gross monthly income of ₱15,000 for Metro Manila residents and ₱12,000 for those living outside of Metro Manila.

Advantages Of Applying With Security Bank Personal Loan

  • Flexible payment starting from 12 up to 36 months payment terms.
  • Borrow up to ₱2,000,000.
  • Low monthly income requirement of ₱12,000 for residents outside of Metro Manila.
  • No guarantor or collateral required.

You can go through the product information and eligibility criteria to help you decide if this product fits your requirements.

Security Bank Personal Loan FAQ

How much can I borrow?

With a Security Bank Personal Loan, borrow as much as ₱2,000,000, subject to approval.

How much is the interest rate, fees, and other charges of the SB Finance Personal Loan?

It will be 1.39% monthly add-on interest rate, ₱2,000 to be deducted from the loan amount upon loan booking, ₱1.00 for every ₱200.00 in excess of ₱250,000.00 of the loan amount, and Notarial fee from ₱125.00 to ₱400.00 depending on the loan amount.

How does the Security Bank Personal Loan Calculator work?

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

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 (for corporations)

How will I know if my application is approved?

An SBC representative contact you via phone call on the result of your application. Alternatively, you can contact SBC's customer service at 02-88879188 to check your application status.

How will I receive my SB Finance Personal Loan?

You will be required to open a Security Bank account upon approval of your loan, and the funds will be disbursed there.

What are the payment methods for this loan?

You pay for the loan through your online account with Security Bank. It will automatically be debited on your due date, so it's highly advised that you deposit enough funds into that account before the due date.

Is Security Bank Personal Loan the right one for me?

With a mantra that places its customers as their top priority, you can be confident that the financial inquiries and assistance you need will be addressed with utmost concern and dedication. Borrow the right amount you need for whatever purpose without any collateral or guarantor needed. Having competitive rates and a quick application process, rest assured that you will receive the necessary funds when you need it most. Repayment is not to worry about, with flexible payment terms to select from that will fit your budgeting schedule. If these are the qualities that you are looking for in a personal loan product, then Security Bank Personal Loan should be the right fit for your needs.

You can still browse for other options as you consider the products listed below, available from other banks in the market:

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 a minimum of 21-60 years of age.

Citibank Ready Credit Personal Loan

Being one of the biggest international banks in the country, you can rely on Citi Personal Loan for your immediate money concerns. With a competitive interest rate of 25.2% per annum, you can get a loan from ₱20,000 up to a maximum of ₱2,000,000 payable in flexible terms from 12 months up to 5 years, one of the longest in the industry. To apply, you just need a minimum monthly gross income of ₱21,000 and at least 21 years of age but not more than 65 years old upon loan maturity.

EastWest Bank Personal Loan

Ideal for whatever use, EastWest Bank's Personal Loan allows you to borrow additional funds with a low minimum income of only ₱15,000 per month. Whether you need it for emergency, travel, business, or other personal reasons, you can get approved in as fast as 5-7 banking days. Borrow any amount from ₱20,000 up to ₱2,000,000 at an add-on interest rate starting from 1.49% per month with flexible payment terms of 1 - 3 years.

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