BPI Personal Loan

Have the benefit of getting an extra cash that fits to all your needs!

BPI Personal loan is a multi-purpose cash loan with no collateral requirement! You can get up to three times your monthly gross income with affordable payment terms and low interest rates.

eCompareMo lets you find the best personal loan rates available on the market and will guide you through your loan application process. Give us a call or chat with us today.

You can also check out other BPI Loan products here.

BPI Personal Loan

BPI Personal Loan. Get cash loan with minimum requirements at low interest rates and easy payment terms. Apply online today for free!


Product Name:
BPI Personal Loan
Get up to 3 times of your gross monthly income
Minimum Amount of Loan:
Maximum Amount of Loan:
Minimum Loan Tenure:
12 months
Maximum Loan Tenure:
36 months
Early Repayment:
Payment Options:
Pay your monthly amortization via Automatic Debit from your BPI deposit account

Eligibility and Requirements

Age Range of Borrower:
21-60 years old
Minimum Annual Income:
Income Requirement Remarks:
Apply for as low as PHP20,000.00 gross monthly income
Employment / Work Status:
Permanent Employee for 1 year / 2 years Business Operations for Self-employed / 2 years of Practice for Professionals / Government Employee for 1 year
Borrower has to have Credit Card:
Guarantor Required:
No Co-Maker required
Collateral Required:
No Collateral Required
Other Requirements:
No special requirement needed
Need to Open Linked Bank Account:

Application and Approval

Application Channel:
Approval Duration:
5 to 7 days
Approval Duration Remarks:
Be approved in as early as 1 week

Fees and Charges/Penalties

Loan Processing and Dispersal Fees:
PHP1,500.00 processing fee
Early Repayment Penalty:
Free early pay-off
Late Payment Penalty:
5% per month on any outstanding balance

Interest Rates Offered

Product Name: Interest Rate Effective Interest Rate Interest Type
BPI Personal Loan - 12 months 1.20% 25.60% p.a Monthly Rate
BPI Personal Loan - 18 months 1.20% 25.74% p.a Monthly Rate
BPI Personal Loan - 24 months 1.20% 25.59% p.a Monthly Rate
BPI Personal Loan - 30 months 1.20% 25.33% p.a Monthly Rate
BPI Personal Loan - 36 months 1.20% 25.03% p.a Monthly Rate


What are the required documents to apply for a BPI personal loan?

  • Filled out application form, proof of income and valid identification cards are required for all applicants.

For Employees/Professionals:

  • Photocopy of one (1) government-issued valid ID (Passport, Driver's License, SSS, PRC, etc.) with photo
  • Latest Income Tax Return with BIR or Bank Stamp (BIR Form 2316) and 3 months original pay slip

For Self-employed individuals:

  • Copy of Government-issued valid ID (Passport, Driver's License, SSS, PRC, etc.)
  • Copy of Audited Financial Statements for the last three (3) years
  • Copy of Latest Income Tax Return (BIR Form 1700 / 1701)
  • DTI Business Permit or SEC Registration

For Overseas Filipino Workers:

  • Government-issued photo-bearing ID (Passport, Driver's License, SSS, PRC, etc.)
  • If Agency based: POEA contract or Employment contract with boarding date
  • If Direct Hire: Proof of remittance, POEA OFW Information Sheet or POEA Overseas, and Employment Certificate and Work Contract

Note: Bring original copy of documents upon submission.

What are the modes of payment?

  • Pay your monthly amortization via auto- debit from your BPI deposit account.

What are the eligibility requirements for BPI personal loan application?

  • Applicant must be a Filipino citizen. Employees must be working for at least two years with their current company. He/she must be free from unsettled credit and/or debt obligations.

How do I claim my BPI personal loan proceeds?

  • Your loan proceeds will be credited to your BPI deposit account.

Apply for this loan, or compare with others.

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