BPI Personal Loan

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 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 (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 (not applicable 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

Disclaimer

The Annual Contractual Rate (ACR) is up to 31.76% with flexible loan term options from 12 to 36 months. A one-time processing fee of Php 1,500 will be deducted from the loan proceeds. 

For loans exceeding Php 250,000, a Documentary Stamp Tax equivalent to 75% of 1% of the loan amount applies. To know more, click here.

Sample computation: A loan amount of Php 20,000 payable over 12 months will have a total repayment amount of Php 23,600, inclusive of interest. The estimated monthly amortization is Php 1,966.67. The Annual Contractual Rate (ACR): 31.72%

For inquiries and comments, please 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 (https://www.bsp.gov.ph).