Reviews
Personal Loans Updated: 14. 04. 2026

Metrobank Personal Loan – review 2026

4,2 / 5

Metropolitan Bank and Trust Company provides personal loans of up to PHP 2,000,000 with monthly add-on rates starting at 1.50%, targeting salaried employees and self-employed professionals with established credit histories. The bank maintains one of the largest branch networks in the Philippines, supporting both online and in-branch application channels. Loan proceeds are credited to the borrower's Metrobank account or issued by manager's check.

Pros

  • Large branch network for in-person support
  • Loans up to PHP 2,000,000
  • Open to self-employed professionals
  • Age eligibility extends to 65 years
  • Established and regulated commercial bank

Cons

  • Higher starting rate of 1.50% monthly vs some competitors
  • Approval takes 7-10 banking days
  • Stricter income documentation for self-employed
  • Minimum loan PHP 20,000
  • Processing fee applicable

Requirements

  • Filipino citizen aged 21-65
  • Minimum gross monthly income PHP 15,000 for employed
  • At least 2 years tenure with current employer
  • Self-employed with at least 3 years profitable operations
  • Valid ID, payslip or ITR, and proof of billing

Company information

Name
Metropolitan Bank and Trust Company
Address
Metrobank Plaza, Sen. Gil Puyat Avenue, Urdaneta Village, 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.