Reviews
Personal Loans Updated: 14. 04. 2026

RCBC Personal Loan – review 2026

4,0 / 5

Rizal Commercial Banking Corporation offers personal loans from PHP 50,000 to PHP 1,000,000 with monthly add-on rates from 1.30%, available to salaried employees and self-employed individuals who meet RCBC's income and credit standards. The bank operates over 500 branches and ATMs nationwide, and personal loan applications can be initiated through the RCBC website or at a branch. RCBC is a BSP-supervised commercial bank listed on the Philippine Stock Exchange.

Pros

  • Established BSP-regulated commercial bank
  • Rates from 1.30% monthly
  • Over 500 branches nationwide
  • Online application available
  • Accepts both employed and self-employed applicants

Cons

  • Minimum loan PHP 50,000
  • Approval takes 7-10 banking days
  • Higher income requirement than some competitors
  • Processing fee charged on approval
  • Stricter documentation for self-employed

Requirements

  • Filipino citizen aged 21-65
  • Minimum gross monthly income PHP 25,000
  • At least 2 years with current employer
  • Valid government-issued ID
  • Latest payslip or ITR and proof of billing address

Company information

Name
Rizal Commercial Banking Corporation
Address
Yuchengco Tower, RCBC Plaza, 6819 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.