Security Bank Personal Loan – review 2026
Pros
- Paperless application available for employees of Security Bank-accredited employers
- Loan amounts scale up to PHP 2,000,000
- Rate varies by tenor, so shorter terms can secure a lower add-on rate
- Publicly listed, BSP-supervised bank with established governance
Cons
- Rate range of 1.39% to 1.89% means less-qualified borrowers pay noticeably more
- Paperless fast-track is limited to accredited employers, not all applicants
- Minimum loan size of PHP 30,000 may not suit very small borrowing needs
Security Bank Corporation provides personal loans from PHP 30,000 to PHP 2,000,000, with a monthly add-on rate that ranges from 1.39% to 1.89% depending on the chosen tenor and the applicant's risk profile. The bank, which is listed on the Philippine Stock Exchange and supervised by the BSP, offers a paperless digital application for salaried employees of companies it has accredited.
Who it suits
Employees of Security Bank-accredited companies generally get the fastest, fully paperless experience, while other salaried and self-employed applicants can still apply through the standard branch or online channel with full documentation. The tiered rate structure rewards borrowers who choose shorter repayment terms.
Applying and repayment
Applicants submit income verification, valid ID and billing proof online or at a Security Bank branch. After approval, funds are disbursed to a nominated bank account, and repayment is collected in fixed monthly installments for the full loan term.
Requirements
- Filipino citizen, typically 21 to 65 years old at loan maturity
- Valid government-issued ID and proof of billing
- Certificate of Employment and recent payslips, or financial documents for self-employed applicants
- Minimum gross monthly income as required by Security Bank for the requested loan amount
- Bank account for proceeds disbursement and auto-debit repayment
Provider contacts
- Name
- Security Bank Corporation
- Address
- 6776 Ayala Avenue, Makati City 1226, Philippines
- Reg. number
- BSP Commercial Bank License
- Website
- https://www.securitybank.com
- 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.