Reviews
Government Salary Loans Updated: 14. 04. 2026

DBP Salary Loan – review 2026

4,1 / 5

The Development Bank of the Philippines provides salary loans to regular employees of government agencies, GOCCs and DBP-accredited private institutions, offering amounts from PHP 10,000 to PHP 300,000 at annual rates of 10% to 12% with terms up to 48 months. DBP's salary loan program is managed at the institutional level, with employers signing a Memorandum of Agreement to facilitate payroll deduction repayment. The bank prioritizes borrowers from sectors aligned with its development mandate including agriculture, infrastructure and industry.

Pros

  • Government development bank with mandated social mission
  • Annual rates 10%-12% below commercial banks
  • Repayment by automatic salary deduction
  • Open to GOCC and accredited private sector employees
  • Terms up to 48 months

Cons

  • Maximum loan PHP 300,000 lower than Land Bank program
  • Employer must have active MOA with DBP
  • Limited branch network vs private commercial banks
  • Processing takes 7-10 banking days
  • Not accessible to non-accredited employers

Requirements

  • Regular employee of DBP-accredited government agency or company
  • Aged 21-60 at time of application
  • Minimum gross monthly income PHP 15,000
  • Valid government-issued ID
  • COE and latest payslip

Company information

Name
Development Bank of the Philippines
Address
DBP Building, Gil Puyat 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.