BPI Personal Loan
Get extra cash for your different needs with low interest and no collateral required. No need to submit income documents for principal credit cardholders.
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High loanable amount up to PHP 2Mn

Get loan amount from Php 20,000 to Php 2 million

Flexible terms of 12 to 36 months

Flexible terms of 12, 18, 24, 30 or 36 monthly installments

No collateral or guarantor needed

Take advantage of our collateral free loan.

Low monthly add-on rate of 1.2%

Avail of our low monthly add-on rate of 1.2%.

No income documents required for credit cardholders

For principal credit cardholders for at least 18 months with good payment standing, there's no need to submit income documents.

Hassle-free repayment

Pay your monthly installment conveniently through  our automatic debit facility.

Quick guide

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. Submit your income documents to plviaonlinemailbox1@bpi.com.ph. You may find the list of required documents here.
4. Wait for the SMS notification regarding the status of your loan application.

How to compute for my monthly amortization

Multiply the loan amount with the factor rate indicated in the table below. The factor rate varies depending on the term you will choose.

Sample Computation:

Loan amount x Factor Rate = Monthly Amortization
Example: Php 100,000 x 0.0953333 (factor rate for 12 months) = Php 9,533.33

*Rates shown are indicative only and may change upon approval.

Personal Loan Application
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Frequently asked questions

What are the documentary requirements?

You only need to submit the following:

1. One (1) valid Philippine government-issued ID with photo and signature

2. Income Documents
a. Employed/ Professionals
- Payslips for the last 3 months or latest ITR (BIR 2316)
b. Self Employed
- Latest Audited Financial Statements or ITR
- DTI/SEC Business Registration Certificate

*Customers who are principal credit cardholders from another bank for at least 18 months with good payment standing may not be required to submit income documents.

Are there other fees and charges?

Once you book the loan, a minimal one-time processing fee of Php 1,500 will be deducted from your loan proceeds. For loans above Php 250,000 or for business purposes, government requires Documentary Stamps Tax equivalent to Php 1.50 for every Php 200 of the loan amount.

Who are eligible to apply?

a. At least 21 years old at the time of application but not more than 60 years old upon loan maturity
b. Must be a Filipino Citizen
c. Must have an office or residence landline.
d. If Employed, minimum gross monthly income of Php 20,000
e. If Self-employed:borrower must be the owner or a majority owner with at least 40% stake and the business has been operating profitably for at least 2 years with at least 1 trade reference. Minimum gross monthly income: Php 50,000

Who can I contact if I have questions regarding BPI Personal Loan?

For inquiries and comments, send us a message or call our 24-hour BPI Contact Center at ‎(+632) 889-10000.

Related information

FAQs of Existing Loan Account Holders

Read the frequently asked questions for existing loan account holders.

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FAQs of New Loan Applicants

Read the frequently asked questions of those who are interested to apply for a personal loan.

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Personal Loan Application Requirements

Check out the list of requirements needed when applying for a personal loan.

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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.