Editor shortlists
Low-friction personal loans
Compare lenders that keep eligibility checks light and turnaround times quick.
- Signal
- High
- Review
- Clear
- Speed
- Fast
Scout Picks
Compare personal loans
We highlight the strongest rates, requirements, and timelines up front so you can compare faster.
- Fast scan
- Top options summarized in one view
- Clear terms
- Rates, fees, or fit signals are easy to spot
- No fluff
- Straight to the shortlist before deeper research
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Flexible mid-range options
02Useful when you want stronger detail and a bit more room to compare tradeoffs.
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Recently added
- Rate
- —
- Amount
- ₱5k–₱50k
- Timing
- Instant in-app
Philippines' first digital-only bank offering fast, app-based personal loans.
- Filipino citizen 21-55 years old
- Tonik bank account holder
- Minimum credit score
- Rate
- —
- Amount
- ₱20k–₱2M
- Timing
- within 5 banking days
CTBC Bank's personal loan designed for salaried employees with clear eligibility guides.
- Salaried employee
- Minimum gross monthly income ₱15,000
- At least 1 year with current employer
- Rate
- 25.03–28.67%
- Amount
- ₱20k–₱3M
- Timing
- 2-3 banking days
One of the Philippines' largest banks offering personal loans up to ₱3 million with competitive rates.
- Minimum gross monthly income ₱15,000
- At least 1 year with current employer
- Valid government-issued ID
- Rate
- 19.0–34.0%
- Amount
- ₱20k–₱5M
- Timing
- fast processing
RCBC's collateral-free personal loan available 24/7 via Pasado Portal.
- Minimum gross monthly income ₱15,000
- Employed or self-employed
- At least 2 years work experience
- Rate
- 25.98–26.76%
- Amount
- ₱10k–₱2M
- Timing
- 5-7 banking days
BDO personal loan with published tenor table, loan amount range, and annual effective-rate examples.
- Minimum gross monthly income ₱15,000
- At least 2 years with current employer
- Valid government-issued ID
- Rate
- 39.43%
- Amount
- ₱30k–₱3M
- Timing
- 1-3 business days
Security Bank subsidiary offering personal loans up to ₱3 million with online application.
- Minimum gross monthly income ₱12,000 (₱15,000 Metro Manila)
- Filipino citizen 21-60 years old
- Employed or self-employed
- Rate
- 25.0–36.0%
- Amount
- ₱20k–₱2M
- Timing
- 3-5 banking days
UnionBank personal loan with competitive 1.26% monthly add-on rate, up to ₱2 million with no collateral required. Offers 12 to 60 month terms with fully digital application.
- Minimum gross monthly income ₱15,000
- Employed or self-employed
- Filipino citizen 21-65 years old
- Rate
- 25.98–36.74%
- Amount
- ₱20k–₱2M
- Timing
- 7 banking days
Major Philippine bank with transparent pricing and clear ACR disclosures.
- Minimum gross monthly income ₱15,000
- At least 2 years with current employer
- Valid government-issued ID