Reviews
Personal Loans Updated: 07. 10. 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

  • Minimum add-on rate starting at 1.30%, competitive among commercial banks
  • Over 500 branches and ATMs for in-person servicing
  • Loan amounts up to PHP 1,000,000
  • Publicly listed and BSP-supervised commercial bank

Cons

  • Minimum loan amount of PHP 50,000 excludes smaller borrowing needs
  • Rate can rise above 1.30% depending on credit assessment
  • Standard banking-day processing is slower than instant-approval apps

Rizal Commercial Banking Corporation offers unsecured personal loans from PHP 50,000 to PHP 1,000,000, with monthly add-on rates starting at 1.30%. Operating over 500 branches and ATMs nationwide, RCBC gives applicants a choice between initiating an application on its website or completing the process at a branch.

Who it suits

Salaried employees and self-employed individuals who meet RCBC's income and credit standards and prefer the backing of a publicly listed, BSP-supervised commercial bank are well suited to this product. It is a middle-ground option between the lowest-rate major banks and faster but pricier digital lenders.

Applying and repayment

Applicants submit income and identity documents online or in-branch, and RCBC's credit team assesses the file against its standard underwriting criteria. Approved funds are released to a bank account, with repayment collected in equal monthly installments.

Requirements

  • Filipino citizen, typically 21 to 65 years old
  • Valid government ID and proof of billing with current address
  • Certificate of Employment with payslips, or business/ITR documents for self-employed applicants
  • Minimum gross income threshold per RCBC's loan amount tiers
  • Acceptable credit history with no significant derogatory records

Provider contacts

Name
Rizal Commercial Banking Corporation
Address
Yuchengco Tower, RCBC Plaza, 6819 Ayala Avenue, Makati City, Philippines
Reg. number
BSP Commercial Bank License
Website
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.