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

Provider contacts

Name
BDO Unibank, Inc.
Address
BDO Corporate Center, 7899 Makati Avenue, Makati City 0726, Philippines
Reg. number
BSP Thrift Bank License No. 1
Website
Online application
Apply now →
Regulator
Bangko Sentral ng Pilipinas (BSP)

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.