Benefits
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Fixed monthly installments

Convert your new retail and online transactions in fixed monthly installments.

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Fast processing

Have your application processed in as fast as 5 banking days.

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Low add-on rate

Get as low as 0.99% monthly add-on rate for 36 months.

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Use 100% of your available limit

Avail up to 100% of your credit limit.

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Real 0% Special Installment Plan (SIP)

Get additional credit limit for your installment transactions with your BPI Credit Card.
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100% Bonus Madness Limit

Enjoy increased purchasing power with up to 100% of additional limit on your installment purch
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Real 0% S.I.P. at partner home improvement merchants

Enjoy a special installment plan of up to 24 months with our partner home improvement merchant
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Real 0% SIP at Partner Department Stores

Enjoy Real 0% installment of up to up to 12 months at our partner department stores
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Special Installment Plan at Partner Health and Wellness Merchants

Enjoy a special installment plan of up to 24 months with our health, wellness, hospitals, clin
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Rates

Term

Monthly add-on rate

Factor rate

EIR PA

3

1.00%

0.343333

17.91%

6

1.00%

0.176667

20.29%

9

1.00%

0.121111

21.11%

12

1.00%

0.093333

21.46%

18

1.00%

0.065556

21.64%

24

1.00%

0.051667

21.57%

36

0.99%

0.037678

21.01%

Notes:

  • Effective Interest Rate (P.A) of 21.01% on a 36-month term.
  • A service fee of Php 100 will be charged for each SIP Loan Availment. This fee will be reflected in the succeeding statement of account.
  • Effective October 11, 2021, the service fee will be adjusted to Php 300 for each availment. Rates are effective November 3, 2020 until further notice in compliance with BSP Circular 1098.
Sample interest computation for Balance Conversion

Loan amount: Php 20,000.00
Term: 12 months
Add-on rate (per month): 1.00%
Effective interest rate (per month): 1.79%
Factor rate: 0.037678
Monthly amortization: Php 1,866.67
Total interest: Php 2,400

 

MonthS.I.P. Loan Monthly amortization  Interest Principal paymentsOutstanding principal balance
020,000 0020,000.00
1 1,866.67357.621,509.0518,490.95
2 1,866.67330.641,536.0316,954.92
3 1,866.67303.171,563.5015,391.43
4 1,866.67275.211,591.4513,799.97
5 1,866.67246.761,619.9112,180.06
6 1,866.67217.791,648.8810,531.19
7 1,866.67188.311,678.368,852.83
8 1,866.67158.31,708.377,144.46
9 1,866.67127.751,738.925,405.55
10 1,866.6796.661,770.013,635.53
11 1,866.6765.011,801.661,833.88
12 1,866.6732.791,833.880.00

Avail Balance Conversion now

Simply visit any BPI branch near you.

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