Reviews
Personal Loans Updated: 14. 04. 2026

CIMB Personal Loan – review 2026

4,3 / 5

CIMB Bank Philippines operates as a fully digital bank licensed by the BSP, offering personal loans from PHP 30,000 to PHP 1,000,000 applied for entirely through the CIMB Bank PH mobile app. Monthly add-on rates start at 1.12%, and the bank's automated credit assessment can deliver conditional approval within minutes for qualified applicants. Repayment terms extend up to 60 months, providing lower monthly obligations compared to most competitors.

Pros

  • Fully digital application via mobile app
  • Competitive rates from 1.12% monthly
  • Loan terms up to 60 months
  • Rapid conditional approval for qualified applicants
  • No branch visit required

Cons

  • No physical branches for in-person assistance
  • Rate can reach 1.95% depending on risk assessment
  • Requires stable internet connectivity and smartphone
  • Minimum loan PHP 30,000
  • Limited to BSP-accredited digital bank ecosystem

Requirements

  • Filipino citizen aged 21-65
  • Active employment with minimum gross monthly income PHP 15,000
  • Valid government-issued ID
  • Active mobile number registered in own name
  • Latest payslip or Certificate of Employment

Company information

Name
CIMB Bank Philippines, Inc.
Address
10th Floor, Ayala North Exchange, Ayala Avenue, Makati City, 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.