Personal Loans
A multi-purpose cash loan with affordable payment terms and no required collateral.
What type of loan do you need?
BPI Personal Loan
BPI Personal Loans helps you get extra cash for your different needs—home renovation, education, business, travel, or anything else you need.
  • Get a collateral-free loan.
  • Loan any amount ranging from Php 20,000 to Php 2,000,000.
  • Get your cash quickly and safely through your BPI account.
  • Pay your monthly installment through our automatic debit facility.
  • Pay in 12, 18, 24, 30, or 36 monthly installments.
Seafarer Loan
Fast cash loan para sa mga seafarer. Maaaring gamitin para sa home renovation, edukasyon ng anak, negosyo, o ano mang pangangailangan.
  • Mabilis ang application process. Minimal requirements lang ang kailangan.
  • Maaaring i-set up ang Auto Debit Arrangement (ADA) sa iyong BPI account para sa monthly payments.
  • Ang kabuuang monthly installment ay mas maikli ng isang buwan kaysa sa job contract sa barko.
Salary Loan
Partner with us and let BPI facilitate the extra cash needs of your employees, from loan processing to managing monthly payments.
  • Preferential monthly interest rate for the company’s employees
  • Nominate your BPI payroll account for your monthly payments
  • Hassle-free monthly loan repayment via Auto Debit Arrangement (ADA)
  • Fast application process with minimal requirements needed
Personal Loan Calculator
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Related information


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.