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BDO Personal Loans

Access BDO Personal Loans via a straightforward online process. Ideal for immediate needs, offering rapid approval and flexible terms to fit your situation. Apply online now and receive quick assistance without delays.
Offers: 1
BDO Personal Loan
Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
₱1 000 000

Effective interest rate on the product

25.98% - 26.76% per year

Loan term for the financial product

6 - 36 months
Get the money you need online
Get the money you need online

Use our quick loan matching system with a free credit check!

BDO Loans Calculator of February 2024

Your ideal online loan with a free credit check in the Philippines, just a few clicks away.

Calculate the loan at BDO
Loan amount

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10000 ₱
1000000 ₱
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Annual Effective Interest

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25.98 %
26.76 %
Type of payments

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Interest rates on loans in Philippines

According to the guidelines for Bangko Sentral ng Pilipinas Circular No. 1133, Series of 2021, on the ceiling/s of interest rates and other fees charged by lending companies, financing companies, and their online lending platforms, the maximum nominal interest rate for unsecured loans is 6% per month (0,2% per day), and the maximum effective interest rate is 15% per month (0,5% per day). The caps apply to unsecured loans of no more than ₱10000 and payable within four months.

Today 22.02.2024 Online Loan Application
Loan amount

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1000 ₱
50000 ₱
Loan term

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60 days

You are able to pick a loan for free. You can receive money in: 15m

Today 22.02.2024 Online Loan ApplicationToday 22.02.2024 Online Loan ApplicationToday 22.02.2024 Online Loan ApplicationToday 22.02.2024 Online Loan ApplicationToday 22.02.2024 Online Loan Application
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Loan commission

Here is the average overpayment on a loan based on data from lenders in the Philippines.


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very fast
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Warning: This lender is predatory and extremely dangerous. Do not use this app for loans as they will trap you with impossible and maliciously high interest rates...
I was charged an excessive amount by KVIKU. My last loan was approved on November 25th, 2022 for 5000 pesos...
High Interest Rate. They approved my auto loan without discussing repayment options in full. Instead, they sent me a contract with scheduled payments, which is nowhere near the advertised 0...
BDO Personal Loans

What are BDO Loans?

BDO Loans in the Philippines refer to the various financial products and services offered by Banco de Oro (BDO), one of the country's leading banks. These loans cater to a diverse range of financial needs for both individuals and businesses. BDO provides an extensive array of loan options, including personal loans, home loans, and business loans.


  1. Online Application. BDO loans offer the convenience of an online application process, allowing applicants to apply for loans from the comfort of their homes or offices. The easy-to-use online platform streamlines the application process, providing a user-friendly experience.

  2. Loan Calculator. The loan calculator is a handy tool available on the BDO website. It enables borrowers to estimate their monthly amortization based on the loan amount, interest rates, and chosen loan term. This empowers applicants to make informed decisions about their loan options and repayment plans.

  3. Loan Amount Up to PHP 2 Million. BDO Loans provide borrowers with the flexibility to borrow amounts of up to PHP 2 million. This substantial loan limit allows individuals to address various financial needs, whether it's for personal expenses, home-related matters, or other significant financial goals.

  4. Flexible Loan Terms. BDO offers flexibility in choosing the loan term, providing options for 6, 12, 18, 24, and 36-month terms. This variety of terms allows borrowers to tailor the loan duration according to their repayment capacity and financial goals. Whether you prefer a shorter repayment period for quicker settlement or a longer term for more manageable monthly payments, BDO accommodates different preferences.

Pros and Cons


Flexible Loan Amounts. BDO personal loans offer flexibility in loan amounts, allowing borrowers to select the sum that best suits their financial needs. This versatility ensures that individuals can borrow an amount that precisely matches their requirements.

Easy Payment Terms. BDO provides easy payment terms for their personal loans. Borrowers can choose from various repayment periods, ranging from 6 to 36 months. This flexibility enables individuals to tailor their loan repayment schedule according to their financial capacity.

Competitive Interest Rates. BDO personal loans often come with competitive interest rates, enhancing the affordability of borrowing. Lower interest rates contribute to more manageable monthly payments and overall cost savings for borrowers.


Strict Eligibility Criteria. BDO may have relatively strict eligibility criteria, including minimum gross income requirements and employment stability. This might limit access to personal loans for individuals who do not meet these criteria.

Potential for Fees. While BDO strives to provide transparent information, there may be associated fees with personal loans, such as processing fees or charges for late payments. Borrowers should carefully review the terms and conditions to be aware of any additional costs.

Stringent Credit History Checks. BDO typically conducts thorough credit history checks during the loan application process. This means that individuals with a less-than-perfect credit history may face challenges in securing a personal loan or might receive higher interest rates.

How to Get a BDO Loan?

Apply for a loan

  1. Check Qualifying Requirements. Before applying for a BDO loan, it's crucial to check the qualifying requirements. These may include age, citizenship, and income eligibility criteria. Ensure that you meet these requirements before proceeding with the application.

  2. Prepare the Required Documents. Gather all the necessary documents needed for the loan application. This typically includes proof of identity, proof of income, and any other documents specified by BDO. Common documents may include government-issued IDs, payslips, or audited financial statements for self-employed individuals.

  3. Fill Out the Application Form. Obtain the official BDO loan application form either from the nearest branch or through the online platform. Complete the form accurately, providing all the required information. Be sure to double-check and verify the accuracy of the details provided.

  4. Prepare Required IDs and Proof of Income. Along with the application form, prepare the required identification documents and proof of income. This may include a valid government-issued ID (such as a passport or driver's license) and documents that verify your income, such as recent payslips or audited financial statements.

  5. Submit the Application Form. Once the application form is fully accomplished, and all required documents are complete, visit the nearest BDO branch to submit your loan application. Present your application form, identification, and proof of income to the bank's representative.

Requirements and Conditions


  1. Age Criteria. Applicants must be at least 21 years old at the time of application but not more than 60 years old upon loan maturity.

  2. Citizenship and Residency. The applicant must be a Filipino citizen or a foreigner who is a resident of the Philippines.

  3. Minimum Gross Fixed Monthly Income. For salaried employees, the minimum income required is PHP 15,000, and for self-employed or professionals - PHP 35,000.

  4. Employment or Business Stability. Regular employees or self-employed individuals with businesses operating for at least two (2) years are eligible to apply for a BDO loan.

  5. Contact Information. Applicants must provide at least one (1) landline number in either their residence or place of work, or a mobile number (postpaid or prepaid).

  6. Residence or Office Location. The residence or office address of the applicant must be within an area where a BDO branch is located.


  1. Processing Fee. This fee is deducted from the loan proceeds, meaning it is subtracted from the total loan amount before it is disbursed.

  2. Documentary Stamp Tax Fee. This fee is calculated based on the approved loan amount or fraction thereof, with PHP 1.50 charged for every PHP 200. It is applicable for approved loan amounts greater than PHP 250,000 or for business purposes, regardless of the amount.

  3. Penalty Fee. A penalty fee of 5% per month is applied to the unpaid amount due, encouraging borrowers to make timely payments.

  4. Late Payment Fee. In case of late payments, a fee of 5% per month is charged on the unpaid principal amount.

  5. Installment Processing Fee. This fee is applied for the processing of a full payment of the outstanding balance before the end of the payment term. The fee is either 5% of the outstanding principal balance or PHP 300, whichever is higher.

  6. Certification Request Fee. A fee of PHP 100 is charged per request for certification related to the loan.

  7. Loan Terms. Borrowers have the flexibility to choose the loan term, with options available for 6, 12, 18, 24, or 36-month terms.

  8. Loan Amount Range. The minimum amount that can be borrowed is PHP 10,000, and the maximum is PHP 2 Million.

  9. Maximum Effective Rate. The maximum effective interest rate is capped at 41.71% per annum. This rate represents the total cost of borrowing, including fees and charges.


  1. Personal Loans. BDO provides personal loans catering to different requirements. This encompasses the BDO Kabayan Personal Loan, available in both unsecured and secured options, offering flexibility for borrowers.

  2. SME Loans. Small and Medium Enterprises (SMEs) can benefit from BDO's specialized loans tailored to support business growth and financial needs.

  3. Auto Loans. BDO offers auto loans, providing individuals with the means to finance the purchase of a vehicle. This option allows borrowers to enjoy competitive rates and favorable terms.

  4. Home Loans. BDO's home loans facilitate the realization of homeownership dreams, offering financing solutions for the purchase, construction, or renovation of residential properties.

Best Places to Get a Loan Today


Apply for a loan

Digido is an online loan company in the Philippines, offering non-collateral cash loan services. They provide a fully automated online portal for a seamless loan application process. Key features include:

  • Automated application process.
  • Loans for various purposes, including emergency and OFW loans.
  • No collateral required.
  • Online loan calculator.
  • Transparent interest rates, with a commitment to fair lending practices.
  • Loan accessibility for unbanked individuals.
  • Secured operations, fully licensed and registered under the SEC.



Apply for a loan

MoneyCat is an online payday loan provider in the Philippines, offering efficient financial solutions with an easy-to-navigate online registration form. Their features include:

  • Swift approval process, usually within 24 hours.
  • Flexible loan amounts ranging from PHP 500 to PHP 20,000.
  • Convenient application methods via website or mobile app.
  • First loan free of charge for new users.
  • Licensed by the SEC, ensuring reliability and legitimacy.



Apply for a loan

Finbro is an online lending platform providing quick loans with durations of up to 12 months and amounts ranging from ₱1,000 to ₱50,000. Their service includes:

  • Online application process that can be completed in 15 minutes.
  • Transparent conditions with no extra costs.
  • 24/7 service availability.
  • Data protection for users.
  • Higher interest rates for repeat loans.
  • No mobile app for accessibility.



Apply for a loan

Kviku is an online lending institution known for providing short-term loans with a fully automated online service. Their main features are:

    • Simple and user-friendly loan procedures.
    • 24-hour approval process.
    • No hidden fees or charges.
    • 100% online lending experience.
    • Competitive interest rates at 0.16% daily.
    • Flexible repayment terms up to 180 days.
    • Registered and authorized by the SEC, ensuring reliability.


Ways to Receive the Money

BDO typically disburses the borrowed amount to borrowers through a credited deposit to the borrower's designated bank accounts. Once the loan application is approved and all necessary documentation is completed, the loan amount is electronically transferred or deposited directly into the borrower's specified account.

Things to Pay Attention To

  1. Minimum Gross Income. Ensure that your minimum gross income meets the specified requirements for the type of loan you are applying for, whether it's a personal loan or a home loan.

  2. Deposit Collateral. Understand the terms related to deposit collateral if applicable to the loan you are considering (for example, for BDO Kabayan Personal Loan Secured). This may impact the approval and terms of your loan.

  3. Loan Details and Final Credit Approval. Pay close attention to the loan details provided by BDO, including interest rates, repayment terms, and any associated fees. Final credit approval is a crucial step in the process.

  4. Credit History and Existing Loans. Your credit history plays a significant role in the loan approval process. Ensure you have a good credit history, and consider how existing loans may impact your eligibility and overall financial situation.

  5. Quick Inquiry and Application Process. Take advantage of the quick inquiry and application process provided by BDO. Use the online tools, such as the BDO website or mobile app, to efficiently submit your loan application.

How to Repay a BDO Loan?

To conveniently repay your BDO loan, you can set up an Auto-Debit Arrangement (ADA) with your BDO current or savings account. This automatic payment method ensures that your monthly amortization is deducted directly from your account, providing a hassle-free and efficient way to fulfill your repayment obligations. By opting for ADA, you can enjoy the convenience of automated payments, reducing the risk of missing due dates and helping you manage your loan obligations seamlessly.

Reasons for Getting Rejected for a BDO Loan

  1. Insufficient Fixed Income. If the applicant's fixed income does not meet the minimum requirements set by BDO, it can lead to rejection.

  2. Existing Loan Obligations. Having an existing loan may impact the borrower's debt-to-income ratio, affecting the approval decision.

  3. Credit Card Debt. High outstanding balances or credit card debt, especially on BDO credit cards, might raise concerns during the credit evaluation process.

  4. Inadequate Bank Statements. If the provided bank statements do not demonstrate financial stability or meet BDO's criteria, it may result in rejection.

  5. Unstable Employment History. A lack of stable employment history or frequent changes in the current company may be viewed negatively.


  1. BPI (Bank of the Philippine Islands) offers a range of loan products, including personal loans, home loans, auto loans, and credit card loans. Their loan terms and eligibility criteria may vary, providing options for different financial needs.

  2. Metrobank provides various loan options, such as personal loans, home loans, car loans, and credit card loans. Prospective borrowers can explore the terms and conditions offered by Metrobank to find a suitable financing solution.

  3. Maybank offers personal loans, home loans, and auto loans with different terms and features. Individuals seeking alternatives to BDO loans can consider Maybank's offerings and compare them based on their financial requirements.

  4. RCBC (Rizal Commercial Banking Corporation) provides a variety of loan products, including personal loans, housing loans, and auto loans. Borrowers can review RCBC's terms and conditions to assess the suitability of their loan options.

Editorial Opinion

BDO's personal loans, characterized by being both unsecured and secured, offer a viable financing option for various needs. The ease of access to funds, coupled with the straightforward application process, makes these loans suitable for individuals seeking quick financial solutions. However, prospective borrowers should be mindful of the importance of providing accurate statements for the last financial period, ensuring a transparent evaluation process. The unsecured nature of the loans provides flexibility but may come with higher interest rates. Overall, BDO's personal loans cater to a diverse range of financial needs, but borrowers should carefully consider the terms and their financial capacity before opting for this financing solution.


Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment.

How to Choose a Lender in the Philippines

  1. Ensure that the lender is registered with the Securities and Exchange Commission (SEC) of the Philippines.

  2. Investigate if the lender is a member of recognized industry associations in the Philippines, such as the Chamber of Thrift Banks or the Philippines Finance Association.

  3. Carefully examine all terms and conditions of your loan contract. This includes understanding the repayment schedule, fees, and any penalties for late or missed payments.

  4. Payday loans can have high-interest rates. Make sure the contract clearly outlines the interest rate and total cost of the loan, including any processing fees or additional charges.

  5. Familiarize yourself with your rights regarding cancellation. In the Philippines, consumers may have the right to rescind the loan within a specific period after signing the agreement.

  6. Research the lender's reputation through customer reviews, complaints, and feedback available online.


In Finanso, we've carried out a comprehensive analysis of over 50 lenders in the Philippines, assessing them based on 35 different parameters across six key categories: accessibility of loans, customer relations, quality of service, interest rates, and transparency of conditions.

In each category, we carefully considered the most critical factors in selecting a lender. These factors include the interest rates, available loan amounts, minimum credit score, minimum income, application fees, and the speed at which funds are transferred.

At Finanso, we highly value our users, which is why we also focus on the quality of customer service, user reviews, and additional features that can aid our users in making a well-informed decision.


Can I borrow money from BDO?

Yes, BDO offers cash loans to eligible borrowers, providing a convenient financial solution to address various needs. Whether you require funds for emergencies, home improvements, education expenses, or other purposes, BDO's personal loans offer flexibility and convenience.

How fast is BDO personal loan approval?

When it comes to the approval process, BDO strives to ensure a prompt and efficient experience for borrowers. Typically, the loan process takes 7 to 10 days to be finalized. During this time, BDO conducts thorough assessments to verify eligibility, review documentation, and determine the loan terms that best suit the borrower's financial situation.

How much can I borrow in BDO?

As for the loan amount, BDO offers a range of options to accommodate different borrowing needs. Borrowers can access funds starting from PHP 10,000 up to a maximum of PHP 2 Million. This wide range allows individuals to borrow according to their specific requirements, whether it's for small expenses or larger investments.