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
-
01
-
Flexible mid-range options
02Useful when you want stronger detail and a bit more room to compare tradeoffs.
Explore this group → -
Need a wider view?
03Open the full results page to compare more providers, filters, and editorial notes.
View all results
Recently added
- Rate
- 39.82–47.03%
- Amount
- ₱25k–₱3M
- Timing
- 5-7 banking days
EastWest Bank unsecured personal loan from ₱25,000 up to ₱3 million at a 1.79% monthly add-on rate (EIR 39.82%–47.03% p.a.), with 12 to 60 month terms and no collateral or co-maker.
- Filipino citizen or permanent-resident foreigner
- At least 21 years old at application and not older than 65 at loan maturity
- Minimum gross monthly income ₱25,000
- 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
- 30.52–33.32%
- 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
- Rate
- 31.22–31.98%
- Amount
- ₱20k–₱2M
- Timing
- 3-5 banking days
UnionBank personal loan up to ₱2 million with no collateral required, at an average annual contractual rate of 26.9% (effective interest rate about 31.2–32.0% on the bank's sample loans).
- Minimum gross monthly income ₱15,000
- Employed or self-employed
- Filipino citizen 21-65 years old
- Rate
- 28.67–31.72%
- 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
- 41.29–42.88%
- Amount
- ₱20k–₱250k
- Timing
- 5-9 working days
PSBank Flexi Personal Loan from ₱20,000 to ₱250,000 at a 1.75% monthly add-on rate (EIR 41.29%–42.88% p.a.) over 24 or 36 months, with Prime Rebate on advance payments.
- Age 22 to 54 at time of application
- Employed: at least 2 years permanent status with 1 year at current employer
- Self-employed: business operating profitably for the last 3 years
- 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
- 18.0%
- Amount
- ₱30k–₱1M
- Timing
- Varies (app-based credit assessment)
CIMB Bank Philippines app-based personal loan from ₱30,000 to ₱1 million, with annual contractual rates from 18% (0.83% monthly add-on) subject to risk assessment, and 12 to 60 month terms.
- Filipino citizen and non-US person
- 21 years old up to 65 at loan maturity
- Minimum gross monthly income ₱15,000