Financial product reviews

A total of 36 independent reviews.

The Development Bank of the Philippines offers an OFW-specific loan program from PHP 10,000 to PHP 300,000 at annual rates of 10% to 12%, targeted at productive and emergency purposes including busine…

  • Annual rate of 10% to 12%, below typical commercial lending rates
  • Open to both emergency and productive-purpose financing, including business and education costs
4.2
Read review

PSBank, a subsidiary of Metrobank Group, offers OFW personal loans from PHP 20,000 to PHP 500,000 at monthly add-on rates from 1.39%, accepting POEA-processed contracts and remittance records as incom…

  • Backed by the Metrobank Group, one of the Philippines' largest banking groups
  • Accepts POEA contracts and remittance records in place of local payslips
4.0
Read review

The Social Security System (SSS) Salary Loan is the most widely accessed government credit facility for private-sector employees in the Philippines, offering lump-sum loans at an annual interest rate …

  • Annual interest rate of 10%, well below most commercial personal loan rates
  • Automatic repayment through payroll deduction reduces default risk for the borrower
4.6
Read review

The Pag-IBIG Fund Multi-Purpose Loan (MPL) allows active Pag-IBIG Fund members to borrow up to 80% of their total accumulated value (TAV), which is equivalent to up to PHP 80,000 for many members, at …

  • Loan is secured against the member's own Pag-IBIG savings, which simplifies approval
  • Most applications can be completed online via the Virtual Pag-IBIG portal with no branch visit
4.5
Read review

The Government Service Insurance System (GSIS) Policy Loan is available exclusively to active government employees who are GSIS members, providing loans at an annual interest rate of 8%, the lowest of…

  • Annual interest rate of 8%, the lowest among the major government salary loan programs
  • Multiple application channels including online e-Services and self-service kiosks
4.4
Read review

Land Bank of the Philippines offers salary loans to employees of government agencies and accredited private corporations, with loan amounts from PHP 10,000 to PHP 500,000 at annual interest rates of 1…

  • Annual rate of 10% to 12%, well below typical unsecured commercial personal loan pricing
  • Automatic payroll deduction reduces the risk of missed payments
4.2
Read review

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 300,00…

  • Annual rate of 10% to 12%, below typical unsecured commercial loan rates
  • Payroll-deduction repayment reduces risk of missed installments
4.1
Read review

BDO Unibank's SME loan program is among the most accessible commercial business financing options in the Philippines, offering amounts from PHP 100,000 to PHP 20,000,000 with annual interest rates fro…

  • Wide amount range from PHP 100,000 to PHP 20,000,000 fits micro to large SMEs
  • Annual rate starting from a competitive 7.50%
4.3
Read review

Bank of the Philippine Islands offers SME financing from PHP 300,000 to PHP 20,000,000 through its BPI Bizloan and credit line products, with annual interest rates starting at 7.50% for secured term l…

  • Online pre-qualification screening available before a branch visit
  • Annual rate starting at 7.50% for secured term loans
4.3
Read review

Ranggo Financing Corporation (RFC) is a SEC-registered lending company focused on SME and micro-enterprise financing, offering business loans from PHP 50,000 to PHP 5,000,000 with monthly rates of 2.5…

  • Faster approval timelines than most commercial banks
  • Accepts alternative documentation such as bank statements and inventory records
4.0
Read review

CIMB Bank Philippines extends its fully digital model to SME business lending, offering loans from PHP 100,000 to PHP 2,000,000 at monthly add-on rates of 1.50% to 2.50% processed through the CIMB Ban…

  • Fully digital application with no branch visit required
  • Conditional approval possible within one to five banking days
4.1
Read review

SB Finance Company, Inc. is a BSP-supervised finance company that is a subsidiary of Security Bank Corporation, offering business loans from PHP 50,000 to PHP 2,000,000 at monthly rates of 1.79% to 3.…

  • More flexible income documentation than a typical commercial bank SME loan
  • Terms from 6 to 48 months suit both short-cycle and longer financing needs
4.0
Read review

Vamo is an SEC-registered online lending platform providing emergency cash loans from PHP 1,000 to PHP 10,000 with same-day disbursement to a GCash wallet or bank account, catering specifically to bor…

  • Same-day disbursement for approved emergency loan applications
  • Listed on the SEC's roster of registered online lending platforms
4.1
Read review

Crezu Philippines operates as an online loan comparison and referral platform connecting borrowers with SEC-registered lenders, presenting loan offers from multiple partner institutions simultaneously…

  • Allows comparison of multiple lender offers from a single application
  • Useful for identifying which registered lenders are likely to approve a given profile
4.0
Read review

PesoRedee is an SEC-registered digital lender offering emergency cash loans from PHP 1,000 to PHP 20,000 with a monthly interest rate of 9.90% to 11.90%, targeted at borrowers facing urgent liquidity …

  • Same-day or next-day disbursement for approved applications
  • Fully automated verification removes the need for manual underwriting delays
3.9
Read review

Asteria Lending is a SEC-registered quick-cash lender in the Philippines offering emergency loans from PHP 2,000 to PHP 20,000 at monthly rates of 9.00% to 11.90%, with same-day disbursement via GCash…

  • Same-day disbursement via GCash or direct bank transfer
  • On-time repayment can unlock increased credit limits over time
4.0
Read review