Reviews
Personal Loans Updated: 14. 04. 2026

BDO Personal Loan – review 2026

4,4 / 5

BDO Unibank offers one of the most widely accessible personal loan products in the Philippines, with loan amounts from PHP 10,000 to PHP 2,000,000 and a fixed monthly add-on rate of 1.30%. Applications can be submitted online or at any of the bank's over 1,500 branches nationwide. Approval typically takes five to seven banking days, with funds disbursed directly to a BDO account or via check.

Pros

  • Loan amounts up to PHP 2,000,000
  • Fixed 1.30% monthly add-on rate for predictable repayments
  • Over 1,500 branches for in-person assistance
  • Online application available
  • Flexible repayment terms of 12, 18, 24 or 36 months

Cons

  • Processing takes 5-7 banking days, not instant
  • Requires minimum gross monthly income of PHP 15,000
  • Employed applicants need at least 2 years tenure with current employer
  • No guarantor option for borderline applicants
  • Early termination fee may apply

Requirements

  • Filipino citizen or resident alien aged 21-60
  • Minimum gross monthly income PHP 15,000 (employed) or PHP 20,000 (self-employed)
  • At least 2 years with current employer or 2 years in business
  • Valid government-issued ID
  • Latest payslip or ITR

Company information

Name
BDO Unibank, Inc.
Address
BDO Corporate Center, 7899 Makati Avenue, Makati City 0726, Philippines
Web

Information in this review is based on publicly available sources and is for informational purposes only. Finatino.com is not a financial product broker. Before signing any contract, we recommend reading the provider's terms and conditions.