2 Million icon

Up to Php 3 million loanable amount

Get up to thrice your monthly income.

Collateral-free icon

Collateral-free loan

Take advantage of a collateral-free loan.

Flexible terms icon

Flexible installment terms

Pay in 12, 18, 24, 30, or 36 monthly installments.

Automatic Debit icon

Pay through our Automatic Debit facility

Pay your monthly installment conveniently online through our automatic debit facility.

How to apply

How to apply for a Personal Loan online


1. Fill out the online application form.

2. Upon successful submission, you will receive an email that your application has been received. Check your spam folder in case the message is not in your inbox.

3. Wait for the SMS notification regarding the status of your loan application.

List of requirements

List of acceptable IDs

  • Passport
  • Driver's License
  • Professional Regulatory Commission (PRC) ID
  • Postal ID
  • Voter's ID
  • Taxpayer Identification Number (TIN)
  • Government Service Insurance Sysytem (GSIS) e-Card
  • Social Security System (SSS) card
  • Senior Citizen card
  • Overseas Workers Welfare Administration (OWWA) ID
  • Overseas Filipino Worker (OFW) ID
  • Government office and Government-owned and Controlled
  • Corporation (GOCC) ID (e.g., Armed Forces of the Philippines (AFP), Home Development Mutual Fund (HDMF) IDs)
  • ID issued by the National Council on Disability Affairs
  • Integrated Bar of the Philippines (IBP) ID
  • Company IDs issued by private entities or institutions registered with or supervised or regulated either by the Banko Sentral ng Pilipinas (BSP), Securities and Exchange Commission (SEC) or Insurance Commission (IC)
  • PhilHealth Health Insurance Card ng Bayan
  • National Bureau of Investigation (NBI) Clearance
  • Police Clearance
  • Barangay Certification
  • Seaman's Book
  • Alien Certificate of Registration / Immigrant Certificate of Registration (notapplicable for Housing Loan)
  • Department of Social Welfare and Development (DSWD) Certification
  • Professional ID cards issued by Maritime Industry Authority (MARINA)
  • PhilSys Digital ID
  • Printed ePhilID

Ready to apply?

Apply for a BPI Regular Personal Loan online.

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Salary Loan Application

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BPI Seafarer Loans

Fast cash loan para sa mga seafarer. Maaaring gamitin para sa home renovation, edukasyon ng an
The maximum annual contractual rate (ACR) is 25.60%. Flexible loan term options from 12 to 36 months. A minimal one-time processing fee of Php 1,500 will be deducted from the loan proceeds. Documentary Stamps Tax worth Php 1.50 for every Php 200 of loan amount will apply to loans above Php 250,000. To know more, click here.

Example: A loan amounting to Php 20,000 with a term of 12 months will pay Php 22,884, inclusive of interest. The estimated monthly amortization is Php 1,907 with ACR of 25.60%. Compute for your loan here.
For inquiries and comments, send us a message or call our 24-hour BPI Contact Center at (+632) 889-10000.
BPI is regulated by the Bangko Sentral ng Pilipinas (
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