Metrobank Personal Loan – review 2026
Pros
- Loan amounts up to PHP 2,000,000 for qualified applicants
- Wide nationwide branch and ATM network supports in-person service
- No collateral required for the standard unsecured personal loan
- Established, BSP-supervised commercial bank with a long operating history
Cons
- Monthly add-on rate can run higher than some competing banks depending on borrower profile
- Strong preference given to applicants with an established credit history
- Processing can take several banking days rather than minutes
Metropolitan Bank and Trust Company offers unsecured personal loans of up to PHP 2,000,000, with monthly add-on rates starting at 1.50% for borrowers with strong credit profiles. Metrobank operates one of the largest branch and ATM networks in the country, giving applicants the choice of a fully online application or in-person support at a nearby branch.
Who it suits
The product targets salaried employees and self-employed professionals who can show an established credit history and stable income, since Metrobank's underwriting weighs credit record more heavily than some newer digital entrants. Borrowers who value a nationwide branch network for in-person servicing tend to prefer this over app-only lenders.
Applying and repayment
Applicants provide proof of income, valid ID and address verification either online or at a branch counter. Once approved, loan proceeds are credited to a Metrobank account or released via manager's check, with repayment due in equal monthly installments over the agreed term.
Requirements
- Filipino citizen or qualified resident, generally 21 to 65 years old
- Valid government ID and proof of billing
- Certificate of Employment with recent payslips for employed applicants, or business documents and ITR for self-employed applicants
- Minimum length of employment or business operation as set by Metrobank
- Satisfactory credit history with no major derogatory records
Provider contacts
- Name
- Metropolitan Bank and Trust Company
- Address
- Metrobank Plaza, Sen. Gil Puyat Avenue, Urdaneta Village, Makati City, Philippines
- Reg. number
- BSP Commercial Bank License
- Website
- https://www.metrobank.com.ph
- 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.