• Interest rate (p.a.)

    16.80% - 18.00%

  • 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 Sterling Bank of Asia Personal Loan?
  • Enjoy terms of up to 36 months.
  • Use the loan for whatever you need.
  • Borrow any amount from ₱50,000 to ₱1,000,000.

Product Features

Min. financing amount₱50,000.00
Max.financing amount Up to ₱1,000,000.00
Min. loan tenure1 year
Max. loan tenure3 years
Interest rateFixed rate of 17.40% per annum, 1.45% per month add-on
Approval durationUp to 5-7 banking days
Debt consolidationNo

Fees & Charges

One time set up
Processing fee₱2,000.00 (employed) / ₱2,500 (self-employed)
Stamp duty₱1.00 for every ₱200.00 in excess of ₱250,000.00 of the loan amount
Disbursement & misc. feeN/A
Early settlementNone if you have informed the bank one month ahead.
Late payment charges₱300.00 or 5% p.a. on any balance outstanding, whichever is higher


Age requirementAge 21 - 60
Employment eligibilityAt least ₱30,000.00 monthly income
Min. salary requirement₱30,000 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

Sterling Bank of Asia Personal Loan FAQ

How much can I borrow?

With a Sterling Bank of Asia Personal Loan, borrow as much as P1,000,000, subject to approval.

What are the Sterling Bank of Asia’s Personal Loan Requirements?

An applicant must fulfill Sterling Bank of Asia’s eligibility criteria for a loan:

  • Filipino Citizen
  • 21 - 60 years old
  • Minimum gross salary of P30,000 per month
  • With home and office landline
  • No adverse credit findings
  • At least 1 year residency, if renting
  • For employed:
    • Employment tenure of at least 2 years with present employer except for BPO/Call Center Back Room and Manufacturing Companies which is at least 3 years
  • For self-employed:
    • Business in operation for at least 3 years and profitable for the past 2 years

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

Fully Employed applicants need:

  • Copy of 1 month latest pay slip
  • Latest BIR Form 2316 with complete signature 
  • Photocopy of Company ID
  • Photocopy of 1 Government ID
  • Latest 2 months credit card statements (if any)
  • Certificate of Employment (for selected companies)

Self–Employed applicants need:

  • Business Permit
  • DTI or SEC Registration w/ Gen. Information Sheet
  • 6 months Bank Statements
  • 2 years ITR with Audited Financial Statement
  • Trade references (3 customers and 3 suppliers with contact details)

*Additional documents may be required during credit evaluation.

How does the Sterling Bank of Asia Personal Loan Calculator work?

The Sterling Bank of Asia 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 would like to consider personal loans from various banks in the Philippines, you can start with a few below:

HSBC Personal Loan
  • Being one of the biggest international banks, HSBC Personal Loan offers flexible payment terms of 6 months to 3 years where you can borrow from as little as ₱30,000 to ₱500,000. Interest rate is also competitive at 1.21% add-on rate per month. To apply, you must be at least 21 but below 60 years old upon loan maturity and have a minimum gross monthly income of just ₱14,000.

  • Eastwest Bank Personal Loan with Credit Card Bundle
  • Available only to EastWest Bank credit card holders, you can quickly receive additional cash for your fund requirements. Borrow amounts ranging from ₱25,000 to ₱2,000,000 at only 18% interest rate per year, payable in 1-3 years. You have to be 21-65 (upon loan maturity) years of age with a minimum monthly income of ₱15,000 in order to apply.

  • Standard Chartered EZ Personal Loan
  • As one of the most well known banks in the world, Standard Chartered EZ Personal Loan offers a zero collateral, multi-purpose loan with highly competitive rates. For as low as 1.1% monthly add-on interest, you can borrow from ₱20,000 up to a maximum of ₱2,000,000. Loan tenure minimum of 1 up to 4 years. To be eligible, you need to have minimum ₱24,167 monthly income and at least 21 but not more than 65 years of age upon loan maturity.

  • If you haven't found the right option for you, we suggest that you visit our complete list of Personal Loan Lenders available on our website and find out which one matches your requirement.