Low Rate Personal Loan Apps

Need a fast loan with low interest? Explore legit loan apps in the Philippines that offer competitive rates and quick processing. Get approved fast and enjoy low-interest loans that fit your budget!

JuanHand - online cash loan App

With JuanHand, get approved quickly and receive your funds instantly, making borrowing easy and fast.

Amount Range₱2,000-₱50,000
Interest Rate0.5% per day
Loan Term91 days - 180 days
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MabilisCash - Online Easy Loan

Apply for fast online loans up to PHP 60,000 with MabilisCash, making it easy to access funds quickly.

Amount Range₱2,000-₱40,000
Interest Rate0.5% per day
Loan Term91 days - 180 days
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Fast Cash VIP-Online Safe Loan

Repayment in installments, providing replacement services

Amount Range₱2,000-₱32,500
Interest Rate0.5%/day
Loan Term 91-180 days
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Mocasa: Pay Later & Quick Loan

Pay Later & Quick Loan

Amount Range ₱3,000- ₱25,000
Interest RateMaximum APR: 30%
Loan Term91 days - 180 days
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High Approval Personal Loan Apps

Need a loan but worried about approval? Check out this list of high approval personal loan apps that make it easier to get the cash you need. We’ve done the research to give you only legit loan apps.

MocaMoca - Safe and fast loan

A personal cash loan platform which aims to help people with problems

Amount Range₱2,000-₱2,5000
Interest Rate0.5% per day
Loan Term90-180 days
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EasyPeso - Fast Online Cash Loan

Need cash fast? EasyPeso provides secure online loans to get you the money you need, quickly.

Amount Range₱2,000-₱30,000
Interest Rate0.5% per day
Loan Term90 days - 180 days
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MayPera - Online Peso Cash Loan

With MayPera, you can apply for a PSEC licensed online cash loan quickly and securely.

Amount Range₱1,000-₱50,000
Interest Rate0.5% per day
Loan Term91 days - 180 days
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Vplus - Pera agad cash loan

Vplus enables access to pera cash loans and peso credits for Filipinos.

Amount Range₱2,000-₱30,000
Interest Rate0.5% per day
Loan Term90days - 180days
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FAQ

PersonalLoan.ph is a completely free online loan navigation platform that helps you find the best legal and reliable loan apps in the Philippines. We do not lend money ourselves but provide you with a curated list of SEC-licensed lending platforms. Our goal is to connect you with trusted lenders who offer safe, low-interest, and high-limit loans.
No! PersonalLoan.ph is completely free to use. We do not charge any fees for accessing our loan recommendations or browsing through the list of loan apps.
We do not provide loans directly. Instead, we serve as a guide, offering you a list of verified, SEC-registered loan apps with low interest rates, high loan amounts, and ethical lending practices. Once you find a loan app that suits your needs, you can apply for the loan directly through the app.
Yes, all the loan apps listed on PersonalLoan.ph are fully licensed and registered with the Securities and Exchange Commission (SEC) in the Philippines. We ensure that only reputable and trustworthy lending platforms are featured, so you can borrow with confidence and peace of mind.
No, PersonalLoan.ph does not handle loan applications. Our platform serves as a directory to guide you to the best loan apps in the Philippines. Once you choose a loan app, you will need to visit the apps platform to apply for the loan and handle the repayment process.
On PersonalLoan.ph, you can find various types of loans, including personal loans, cash loans, payday loans, and more. We recommend apps that offer loans with low interest rates, high amounts, and flexible repayment terms, so you can choose the best option that suits your needs.
Since PersonalLoan.ph does not handle loans directly, we recommend contacting the loan app’s customer service team for any issues with your loan application, repayment, or account management. Each lending platform has its own support system, and they will assist you with any concerns.

Personal Loan Options from Leading Philippine Banks

Several leading banks in the Philippines offer personal loan products tailored to meet diverse financial needs. Below is a summary of the personal loan offerings from these institutions:

Bank of the Philippine Islands (BPI) Personal Loan

BPI provides personal loans with loanable amounts up to ₱3 million, suitable for various purposes such as home renovation, education, business, and travel. The loan is collateral-free, with flexible installment terms of 12, 18, 24, 30, or 36 months. Interest rates are competitive, and repayments can be made conveniently through the Automatic Debit facility. Eligibility requires being an employed individual with a minimum monthly income of ₱15,000. Applications can be submitted online or at any BPI branch.bpi.com.ph

Loan AmountTermsInterest RateCollateralEligibilityApplication Process
Up to ₱3 million12, 18, 24, 30, or 36 monthsCompetitive rates with automatic debit facility for paymentsNoneEmployed individuals with a minimum monthly income of ₱15,000Apply online or visit a BPI branch

Security Bank Personal Loan

Security Bank offers personal loans with loan amounts starting from ₱30,000 up to ₱2 million, with repayment terms ranging from 12 to 36 months. The approval time is within 5 banking days, and no collateral is required. Interest rates are competitive, and eligibility requires being a Filipino citizen aged 21 to 65 years upon loan maturity, with a minimum monthly income of ₱30,000. Applications can be submitted online or at any Security Bank branch.securitybank.com

Loan AmountTermsInterest RateCollateralEligibilityApplication Process
₱30,000 to ₱2 million12 to 36 monthsCompetitive rates with quick approvalNoneFilipino citizens aged 21 to 65 years upon loan maturity, with a minimum monthly income of ₱30,000Apply online or visit a Security Bank branch

EastWest Bank Personal Loan

EastWest Bank offers personal loans with loan amounts ranging from ₱25,000 to ₱3 million, suitable for various financing needs. Repayment terms are flexible, ranging from 12 to 60 months, and no collateral is required. Interest rates are competitive, and eligibility requires being a Filipino citizen aged 21 to 65 years upon loan maturity, with a minimum monthly income of ₱30,000. Applications can be submitted online or at any EastWest Bank branch. eastwestbanker.com

Loan AmountTermsInterest RateCollateralEligibilityApplication Process
₱25,000 to ₱3 million12 to 60 monthsCompetitive rates with flexible termsNoneFilipino citizens aged 21 to 65 years upon loan maturity, with a minimum monthly income of ₱30,000Apply online or visit an EastWest Bank branch

BDO Unibank Personal Loan

BDO Unibank offers personal loans with loan amounts up to ₱1 million, suitable for various financing needs such as home improvements, education, appliances, and medical emergencies. The loan is collateral-free, with flexible repayment terms of 12, 18, 24, or 36 months. Interest rates are competitive, and repayments can be made conveniently through the Automatic Debit facility. Eligibility requires being an employed individual with a minimum monthly income of ₱15,000. Applications can be submitted online or at any BDO Unibank branch.bdo.com.ph

Loan AmountTermsInterest RateCollateralEligibilityApplication Process
Up to ₱1 million12, 18, 24, or 36 monthsCompetitive rates with automatic debit facility for paymentsNoneEmployed individuals with a minimum monthly income of ₱15,000Apply online or visit a BDO Unibank branch

UnionBank Personal Loan

UnionBank offers personal loans up to ₱2,000,000 with repayment terms of 12 to 60 months. The loan is unsecured, with competitive interest rates and quick approval process. Eligibility requires Filipino citizenship, ages 21 to 65 upon loan maturity, and a minimum monthly income of ₱30,000. Applications can be submitted online or at any UnionBank branch. unionbankph.com

Loan AmountTermsInterest RateCollateralEligibilityApplication Process
Up to ₱2 million12 to 60 monthsCompetitive rates with quick approvalNoneFilipino citizens aged 21 to 65 years upon loan maturity, with a minimum monthly income of ₱30,000Apply online or visit a UnionBank branch

Maya Personal Loan

Maya provides personal loans with amounts ranging from ₱15,000 to ₱250,000 and repayment terms of 6 to 24 months. The loan is unsecured, with no documents needed for salaried individuals. Eligibility requires being a salaried individual with proof of income or self-employed with business registration. Applications can be completed through the Maya app. mayabank.ph

Bank NameLoan AmountRepayment TermsInterest RateCollateralEligibilityApplication Process
Maya₱15,000 - ₱250,000Up to 24 monthsAs low as 0.77% monthly add-on rateUnsecuredSalaried individuals with proof of income or self-employed with business registrationApply via the Maya app

RCBC Personal Loan

RCBC offers personal loans with amounts up to ₱2,000,000 and repayment terms of 12 to 36 months. The loan is unsecured, with quick approval and no collateral required. Eligibility requires Filipino citizenship, ages 21 to 65 upon loan maturity, and a minimum monthly income of ₱30,000. Applications can be submitted online or at any RCBC branch. rcbc.com

Bank NameLoan AmountRepayment TermsInterest RateCollateralEligibilityApplication Process
RCBCUp to ₱1,000,000Up to 36 monthsAs low as 0.90% monthly add-on rateUnsecuredFilipino citizens, ages 21 to 65 upon loan maturity, with a minimum monthly income of ₱30,000Apply online or at any RCBC branch

PNB Personal Loan

PNB offers flexible personal loan options suitable for various needs, including medical expenses, education, home renovations, and more. Loan amounts can go up to ₱2 million, subject to approval, with repayment terms ranging from 3 to 60 months. No collateral is required, and the interest rates are competitive. Eligibility criteria include being a Filipino citizen aged 21 to 65 years upon loan maturity, with a minimum annual gross income of ₱120,000. Applications can be submitted online or at any PNB branch.pnb.com.ph

Loan AmountTermsInterest RateCollateralEligibilityApplication Process
Up to ₱2 million3 to 60 monthsLow monthly add-on rateNoneFilipino citizens aged 21 to 65 years upon loan maturity, with a minimum annual gross income of ₱120,000Apply online or visit a PNB branch

HSBC Personal Loan

HSBC provides personal loans up to ₱2 million with repayment terms of 12, 24, 36, 48, or 60 months. The loan is unsecured, with interest rates starting as low as 0.65% add-on rate per month. Eligibility requires Filipino citizenship, ages 21 to 65 upon loan maturity, and a minimum monthly income of ₱30,000. Applications can be submitted online or at any HSBC branch. hsbc.com.ph

Bank NameLoan AmountRepayment TermsInterest RateCollateralEligibilityApplication Process
HSBCUp to ₱500,00012, 24, 36, 48, or 60 monthsAs low as 0.65% add-on rate per monthUnsecuredFilipino citizens, ages 21 to 65 upon loan maturity, with a minimum monthly income of ₱30,000Apply online or at any HSBC branch

Overview of Pag-IBIG Fund and SSS Loan Products

Explore the loan offerings from Pag-IBIG Fund and the Social Security System (SSS) to find the best fit for your financial needs.  

Pag-IBIG Fund Multi-Purpose Loan (MPL)

The Multi-Purpose Loan (MPL) is designed to provide financial assistance to Pag-IBIG Fund members for various purposes, including home improvement, education, medical expenses, and other personal needs.

Loan Details:

  • Loan Amount: Up to 80% of the member's Total Accumulated Value (TAV), which includes personal contributions, employer contributions, and dividends.
  • Interest Rate: 10.5% per annum.
  • Repayment Term: Up to 24 months.

Eligibility Requirements:

  • Active membership with at least 24 months of membership savings.
  • No existing Pag-IBIG housing loan, MPL, or calamity loan in default.
  • Sufficient and valid proof of income.

Application Process:

  • Online Application: Through the Virtual Pag-IBIG platform.
  • In-Branch Application: Visit any Pag-IBIG Fund branch.

For more information, visit the Pag-IBIG Fund website.

Pag-IBIG Fund Housing Loan

The Housing Loan program aims to provide affordable financing for members to purchase a lot and construct or improve a residential unit.

Loan Details:

  • Loan Amount: Up to ₱6,000,000.
  • Interest Rate: 4.5% per annum.
  • Repayment Term: Up to 30 years.

Eligibility Requirements:

  • Active membership with at least 24 months of membership savings.
  • No existing Pag-IBIG housing loan, MPL, or calamity loan in default.
  • Sufficient and valid proof of income.

Application Process:

  • Online Application: Through the Virtual Pag-IBIG platform.
  • In-Branch Application: Visit any Pag-IBIG Fund branch.

For more information, visit the Pag-IBIG Fund Housing Loan page.

SSS Salary Loan

The SSS Salary Loan is a short-term loan facility designed to provide financial assistance to qualified members for their immediate credit needs.

Loan Details:

  • Loan Amount: Equivalent to one or two months' salary, based on the member's average monthly salary credit.
  • Interest Rate: 10% per annum.
  • Repayment Term: Up to 24 months.

Eligibility Requirements:

  • At least 36 posted monthly contributions for a one-month loan; at least 72 for a two-month loan.
  • Six of the last 12 monthly contributions must be posted within the 12 months prior to the application.
  • Not a recipient of any final benefit (e.g., retirement, permanent disability, or death benefits).
  • Not more than 65 years old at the time of application.

Application Process:

  • Online Application: Through the My.SSS portal.
  • In-Branch Application: Visit any SSS branch.

For more information, visit the SSS Salary Loan page.

Comparison Table: Pag-IBIG Fund vs. SSS Loan Products

FeaturePag-IBIG Fund Multi-Purpose Loan (MPL)SSS Salary Loan
Loan AmountUp to 80% of Total Accumulated Value (TAV)Equivalent to one or two months' salary
Interest Rate10.5% per annum10% per annum
Repayment TermUp to 24 monthsUp to 24 months
EligibilityActive membership with at least 24 months of savings; no existing loans in default; valid proof of incomeAt least 36 posted monthly contributions; not a recipient of final benefits; not more than 65 years old
Application ProcessOnline via Virtual Pag-IBIG or in-branchOnline via My.SSS portal or in-branch

Please note that loan terms, interest rates, and eligibility criteria are subject to change. It is advisable to visit each institution's official website or contact their customer service for the most current information.

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