Features
High loanable amount
Up to Php 3Mn (or up to 6X your monthly income).
Easy to avail
No collateral required, minimal documents needed.
Light, flexible payment terms
Equal monthly installments of up to 36 months.
Sample monthly installment
Loan Amount | 36 mos | 24 mos | 12 mos |
|---|---|---|---|
Php 50,000 | Php 1,989.00 | Php 2,683.00 | Php 4,767.00 |
Php 100,000 | Php 3,978.00 | Php 5,367.00 | Php 9,533.00 |
Php 500,000 | Php 19,889.00 | Php 26,833.00 | Php 47,667.00 |
Php 1,000,000 | Php 39,778.00 | Php 53,667.00 | Php 95,333.00 |
Php 3,000,000 | Php 119,333.00 | Php 161,000.00 | Php 286,000.00 |
Note: The table presents indicative monthly installments on sample loan amount. The final monthly installment will be based on the approved loan amount. It will be reflected in the loan documents to be signed by the customer to signify availment of the approved loan.
How do I apply for a BPI Personal Loan
Step 1: Check that you meet the following qualifications.
- Filipino citizen residing in the Philippines
- At least 21 years old, but not older than 60 years of age at the time of loan maturity
- If employed:
- A Gross income of at least Php 15,000/month or Php 195,000/year
- At least 2 years with the company and confirmed as a permanent employee
- If self-employed:
- A Gross income of at least Php 30,000/month or Php 360,000/year
- At least 2 years of profitable operations or practice
Step 2: Prepare your income document.
- If you have an existing Philippine-issued principal credit card for the last 12 months with a credit limit of at least Php 20,000, simply indicate your credit card number and other details in the application form.
- If you don’t have an existing credit card, then, simply submit any one of the following income documents.
- Employed
- Latest 3 months payslips OR
- Latest Income Tax Return (ITR) or BIR Form 2316 OR
- Certificate of Employment and Compensation
- Self-employed
- Audited Financial Statement (3 years) OR
- Latest Income Tax Return (ITR) or BIR Form 1700 or 1701 AND
- DTI / SEC Business Registration Certificate
- Employed
Step 3: Visit the nearest BPI branch to submit your income document, present your promo code, and accomplish the loan application form.
Step 4: You will receive an SMS notification from BPI once loan has been approved.
Step 5: Sign your loan documents through the Docusign link that will be sent to your email or by visiting the branch. Don’t forget to bring a valid government ID on your loan signing appointment.
Step 6: The funds will be credited to your nominated BPI deposit account.
Note: The complete list of branches can be found under the Locate us section of the Contact Us page.
Customer support
For inquiries and comments, send us a message or call our 24-hour BPI Contact Center at (+632) 889-10000.
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| BPI is regulated by the Bangko Sentral ng Pilipinas