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CIMB Bank Personal Loans

For those seeking personal finance in the Philippines, CIMB Bank offers a streamlined online service for loans. Benefit from fast processing and a range of options to suit your needs, all available online with CIMB Bank.
Offers: 3
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™
₱30,000 - ₱1,000,000

Effective interest rate on the product

24% - 36% per year

Loan term for the financial product

12 - 60 months
Get the money you need online
Get the money you need online

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

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™
up to ₱250,000

Effective interest rate on the product

1% - 5% per month
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™
up to ₱30,000

Effective interest rate on the product

3% - 5% per month
CIMB Bank Personal Loans Calculator of February 2024

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

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No comment yet coz im not yet approved in my application
very fast
Please address my concerns regarding my loan application and its processing...
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...
CIMB Bank Personal Loans

What are CIMB Loans?

CIMB Loans in the Philippines encompass various financial products, with a primary focus on personal loans. A CIMB personal loan is an unsecured financial offering that allows individuals to borrow a specified loan amount for various purposes such as emergencies, education, or home improvements. With the CIMB Bank PH app, customers can conveniently apply for a personal loan through an all-digital loan application process.


  1. Unsecured Personal Loan. CIMB Bank offers unsecured personal loans, meaning borrowers can access funds without the need for collateral. This makes the loan application process more straightforward and convenient.

  2. All-Digital Loan Application. One of the standout features of CIMB Bank loans is the fully digital application process. Applicants can conveniently apply for a personal loan through the CIMB Bank PH app, eliminating the need for physical paperwork and streamlining the entire application experience.

  3. Flexible Loan Tenure. Borrowers have the flexibility to choose their preferred loan tenure based on their financial circumstances. This allows individuals to tailor the repayment period according to their needs and capacity.

  4. Competitive Interest Rates. CIMB Bank aims to provide competitive interest rates, making their loans an attractive option for those seeking affordable credit solutions. Transparent information about interest rates is provided during the application process.

  5. Quick Disbursement of Loan Proceeds. Upon approval, CIMB Bank ensures the swift disbursal of loan proceeds. Borrowers can expect to receive the approved loan amount directly to their Philippine mobile number or mailing address, ensuring quick access to funds.

Pros and Cons


All-Digital Online Application. CIMB Loans offer the convenience of a fully digital online application process. This allows applicants to apply for a personal loan from the comfort of their homes, eliminating the need for physical paperwork and saving time.

Instant Disbursement. Upon loan approval, CIMB ensures the quick disbursement of loan proceeds. This feature is advantageous for borrowers in urgent need of funds, providing swift access to the approved loan amount.

Tenure Range of 12 to 60 Months. CIMB Loans provide flexibility in choosing the loan tenure, ranging from 12 to 60 months. This allows borrowers to tailor the repayment period according to their financial capacity, making it easier to manage monthly payments.


Strict Documentation Requirements. While the all-digital application process is a pro, some borrowers may find the documentation requirements stringent. This is especially relevant for self-employed individuals who may need to provide extensive income documents to meet the eligibility criteria.

Limited Loan Types. CIMB Loans primarily focus on personal loans, and the range of loan types may be limited. Customers seeking specialized loans for specific purposes, such as home or car loans, might need to explore alternative financial institutions offering a broader array of loan products.

Income Criteria. The income criteria for CIMB Loans may pose challenges for individuals with lower incomes. Meeting the required income threshold is crucial for loan approval, potentially excluding those with more modest financial means.

How to Get a CIMB Loan?

Apply for a loan

  1. Download the CIMB Bank PH App. Begin by downloading the CIMB Bank PH app from the official app store on your mobile device.

  2. Choose a Personal Loan. Open the app and navigate to the personal loans section. Select the type of personal loan that suits your needs.

  3. Input Desired Loan Amount. Enter the desired loan amount that you wish to borrow. Ensure that it falls within the allowable range offered by CIMB.

  4. Enter Your Phone Number and Email. Provide your Philippine mobile number and email address. This information is crucial for communication and updates regarding your loan application.

  5. Create a Username and Password. Create a unique username and a secure password to set up your account within the CIMB Bank PH app.

  6. Get Your Valid ID and Pass Selfie Check. Have a valid identification document ready. During the application process, you may need to pass a selfie check to verify your identity.

  7. Provide Address. Input your current mailing address. This is essential for correspondence and for the disbursement of the loan proceeds.

  8. Input Employment Information. Enter details about your employment, including your current job position, length of continuous employment, and other relevant information.

  9. Review Application Details. Review all the information you've entered to ensure accuracy. Correct any errors before proceeding.

  10. Upload at Least One Acceptable Income Document. CIMB may require you to submit income documents for verification. Upload at least one acceptable income document, such as payslips or proof of income.

  11. Select Disbursement Option. Choose your preferred disbursement option. This could include receiving the loan proceeds through your CIMB bank account or other banks.

  12. Confirm. Before finalizing your application, carefully review all the details. Once you are satisfied with the information provided, confirm your application.

Requirements and Conditions


  1. Individuals Only. CIMB Loans are available for individual applicants. Business entities are not eligible for these personal loans.

  2. Age Criteria. The applicant must be at least 21 years old at the time of application. The applicant must not be older than 65 years upon the loan's maturity.

  3. Citizenship and Residency. The applicant must be a Philippine citizen. The applicant must be a non-US person.

  4. Contact Information. The applicant must have a valid Philippine mailing address. The applicant must possess an active Philippine mobile number for communication purposes.

  5. Minimum Monthly Income. The applicant must have a minimum gross monthly income of PHP 15,000.

  6. Employment Criteria. If employed, the applicant must be tenured for at least 6 months or have 1 year of continuous employment. For applicants employed in the top 15,000 corporations, specific employment criteria may apply.

  7. Self-Employed Requirements. If self-employed, the applicant's business must be operating for at least 1 year.


  1. Loan Amount. Acquire a loan starting from PHP 30,000 to a maximum of PHP 1,000,000.

  2. Tenure Options. Enjoy flexible tenure options ranging from 12 to 60 months.

  3. Disbursement Options. Get instant disbursement to your CIMB Bank Savings account/s. Disbursement to other bank accounts may take 1-2 banking days.

  4. Disbursement Fees. PHP 0 if disbursed via a CIMB account and 1% of the Principal Amount or PHP 500 (whichever is higher) if disbursed via other banks.

  5. Documentary Stamp Tax (for loan disbursement) is PHP 1.50 per PHP 200 loan (fraction of).

  6. Charging of Early Settlement. 3% of the unbilled amount or a minimum of PH 300, whichever is higher.

  7. Late Payment Fee. 5% of the unpaid installment due or PHP 300 (whichever is higher). This fee is computed from the payment due date until the full payment of the obligation.


  • REVI Credit provides customers with access to a credit line of up to PHP 250,000. This flexible credit facility allows borrowers to access funds as needed, up to their approved credit limit.

  • GCredit is another credit offering from CIMB, providing customers with a credit line of up to PHP 50,000. This product is designed to offer short-term financial assistance, allowing users to access funds quickly and conveniently through their mobile devices.

  • Personal Loans. CIMB also offers personal loans to individuals seeking larger sums of money for specific purposes. Personal loans provide borrowers with a lump sum amount that can be used for various purposes, such as home renovations, education expenses, or debt consolidation.

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

You will receive money from CIMB through instant disbursement to your CIMB Bank Savings account/s. Alternatively, if the disbursement is to other bank accounts, you can expect to receive the funds within 1-2 banking days.

Things to Pay Attention To

  1. Loan Amount and Tenure. Take note of the available loan amounts and tenure options offered by CIMB. Understand the range of loan amounts you can borrow and the flexibility in choosing a repayment tenure that suits your financial capacity.

  2. Interest Rates and Fees. Pay close attention to the interest rates associated with CIMB personal loans. Additionally, be aware of any processing fees or charges that may apply. A clear understanding of these rates and fees will help you assess the overall cost of the loan.

  3. Eligibility Criteria. Familiarize yourself with the eligibility criteria for CIMB personal loans. Ensure that you meet the age requirements, citizenship status, income criteria, and any other conditions specified by CIMB for loan approval.

  4. Disbursement Process. Understand the disbursement process for the loan. Know how and when you will receive the loan proceeds. Whether it's instant disbursement to a CIMB Bank Savings account or a timeframe for disbursement to other bank accounts, being aware of the process is crucial.

  5. Repayment Terms and Penalties. Thoroughly review the repayment terms, including the installment amounts and due dates. Additionally, take note of any penalties for late payments or early settlement. Being informed about the repayment structure will help you plan your finances and avoid unnecessary fees.

How to Repay a CIMB Loan?

You can repay a CIMB loan conveniently through two main methods. Firstly, you can choose to repay loans online using your CIMB Bank account. This method offers flexibility and ease as you can make payments from the comfort of your own home or anywhere with internet access. Alternatively, you have the option to repay loans over the counter. This involves visiting a CIMB Bank branch and making your loan repayments in person. Both methods provide you with choices to suit your preferences and ensure timely repayment of your loan obligations.

Reasons for Getting Rejected for a CIMB Loan

  1. Insufficient Income. If your monthly income does not meet the minimum requirements set by CIMB, your loan application may be rejected.

  2. Age Requirements. If you do not meet the specified age criteria (at least 21 years old and not older than 65 upon loan maturity), your loan application may be declined.

  3. Low Credit Score. A low credit score indicates a higher credit risk to lenders. If your credit history reflects late payments, defaults, or other negative factors, CIMB may reject your loan application.

  4. Inaccurate or Incomplete Information. Providing incorrect or incomplete details on your loan application can lead to rejection.

  5. Employment or Business Operation Criteria. For employed individuals, not meeting the required tenure or continuous employment criteria may result in a loan rejection.


  • BPI offers various personal loan products with competitive interest rates and flexible repayment terms. Borrowers can choose from a range of loan amounts to meet their financial needs.

  • BDO provides personal loans with customizable terms, allowing borrowers to select the loan amount and tenure that best suits their requirements. BDO's personal loans cater to various purposes, such as home improvement, education, or debt consolidation.

  • Metrobank offers personal loans with fixed monthly installments and competitive interest rates. Borrowers can access funds for different purposes, including travel, medical expenses, or other financial needs.

  • SB Finance, a subsidiary of Security Bank, provides personal loans with flexible repayment terms and competitive interest rates. Borrowers can choose from various loan amounts to address their specific financial goals.

Editorial Opinion

CIMB personal loans in the Philippines present a notable option for individuals seeking financial assistance. The all-digital application process is a standout feature, providing convenience and efficiency to applicants. The flexibility in loan amounts and tenure allows borrowers to tailor their financial arrangements according to their needs. Additionally, the instant disbursement feature to CIMB Bank Savings accounts is a commendable aspect, ensuring quick access to approved funds. However, potential borrowers should carefully review the interest rates and fees associated with CIMB personal loans, as transparency in this regard could enhance the overall borrower experience. Ultimately, CIMB's offering stands out for its digital approach and flexibility, but individuals are encouraged to thoroughly assess terms and conditions before making financial decisions.


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.


How do I qualify for a CIMB loan?

To qualify for a CIMB personal loan, you need to meet certain criteria, including being a Philippine citizen or non-US person, having a valid Philippine mailing address and active mobile number, being at least 21 years old, and meeting minimum income requirements. Employment tenure or business operation duration may also apply, depending on your employment status.

How long does a CIMB personal loan take?

The processing time for a CIMB personal loan can vary, but the fully digital application process aims to provide quick approvals. Once approved, loan proceeds can be disbursed instantly to CIMB Bank Savings accounts or within 1-2 banking days if disbursed to other bank accounts.

Can I fully pay my CIMB personal loan?

Yes, you can fully pay your CIMB personal loan before the loan maturity date. However, take note of any early settlement charges, which may apply. These charges are typically a percentage of the unbilled amount or a minimum specified amount, whichever is higher. It's advisable to check the specific terms and conditions associated with early loan settlement.