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Metrobank personal loans for may 2023

Get a personal loan at Metrobank. On 28.05.2023 there are 1 options available to you. Increase your chances of getting a loan — fill out an application with a free credit rating check.

Offers: 1

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™
up to ₱1,000,000

Effective interest rate on the product

30.124% - 51.178% per year

Loan term for the financial product

up to 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!

Calculate the loan payment

Calculate the loan at Metrobank
Loan amount

Specify the desired loan amount

20000 ₱
1000000 ₱
Loan term

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Annual Effective Interest Rate

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30.124 %
51.178 %
Type of payments

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Interest rates on loans in the 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 28.05.2023 Online Loan Application

Loan amount

Enter the desired loan amount

1000 ₱
50000 ₱
Loan term

Specify the loan term for the calculation

60 days

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

Today 28.05.2023 Online Loan ApplicationToday 28.05.2023 Online Loan ApplicationToday 28.05.2023 Online Loan ApplicationToday 28.05.2023 Online Loan ApplicationToday 28.05.2023 Online Loan Application
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Loan amount
0 ₱
Loan term
0 month
Loan commission

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


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Other types of loans

How to get a personal loan

Fill out your application
Fill out your application

On our website you can fill out a short application form for a quick loan.

Pass a credit check
Pass a credit check

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Send your application online to the suggested companies
Send your application online to the suggested companies

After checking your credit rate, you will be able to send your loan application to the appropriate companies.

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Wait for a response from the lender

If necessary, the lender will contact you to clarify the details.

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Margarita D
Margarita D
17.10.2022 at 12:26
The advantages of this app was good, they are very responsive and quickly answered you if you are able to get a loan or not.
Marygrace T
Marygrace T
18.04.2023 at 19:55
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...
Marites P
Marites P
11.04.2023 at 22:50
I was charged an excessive amount by KVIKU. My last loan was approved on November 25th, 2022 for 5000 pesos...
Ryan P
Ryan P
10.04.2023 at 20:05
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...
04.02.2023 at 11:20
Great Online Loan. Low interest. No hidden charge. Full amount receive. Mababait at magagalang mga staff.
Metrobank personal loans for may 2023

The personal loan from Metrobank is a multi-purpose lending instrument that may be utilized for any personal emergency. The smallest loanable amount is ₱20,000, while the highest loanable amount is ₱1,000,000. The loan period is one-year minimum and three years maximum. You can use the loan for any personal emergency, such as:

  • Health and safety. A personal loan from Metrobank can be a suitable alternative if you are in an unexpected scenario.
  • Home improvement. Homeowners can utilize a personal loan from Metrobank to improve their homes or make critical repairs such as replacing damaged plumbing or electrical wiring.
  • Consolidation of debts. Debt consolidation is one of the most typical reasons for obtaining a personal loan from Metrobank. When you apply for a personal loan, you consolidate your existing loans and credit card balances and use the proceeds to pay them off.
  • Education. Inflation is at an all-time high, affecting every expenditure imaginable, including your child's tuition. You can prepare for it right now with a Metrobank personal loan.
  • Fantasy vacation. With a Metrobank personal loan, you may finally take that dream holiday. Increase your trip fund and begin your jetsetter life.
  • Weddings. Have you always wanted a fantasy wedding? There is no need for a fairy godmother to emerge and fulfill your request. Apply for a Metrobank personal loan, and you'll be your fairy godmother and a princess bride-to-be.

How to apply for a Metrobank personal loan?

Applying for a personal loan from the bank is easy. You must follow the steps below:

  1. Visit the Metrobank website.
  2. Swipe your mouse to Upgrade, and under Loan, click on Personal loan.
  3. Click on Apply now, then fill out the online form that will be displayed.
  4. You will receive an email verifying your submission if it is successful.
  5. Customer service will call you regarding the loan.

Requirements for a Metrobank personal loan

Below are what will be needed before you can qualify for a personal loan from this bank:


  • Applicants must be Filipino nationals.
  • Applicants must be at least 21 years old at the time of loan application and 65 years old at the time of loan maturity.
  • Applicants must have a minimum yearly gross income of at least Php 350,000.
  • Applicants must have a credit card.
  • If employed, applicants must have been in regular status with a present job for at least one year.
  • If self-employed, applicants must have at least two years of experience in their present business.

Documentary requirements

  • An income document is something like a pay stub or an ITR.
  • A bank statement or utility bills might serve as proof of residency.
  • Two or three valid forms of identification.

You will also need the following:

For employed applicants

  • A photocopy of the most current Tax Return (ITR) or BIR Form, as well as the original payslip, is required (one month).
  • A photocopy of a legitimate photograph-bearing ID, passport, driver's license, and any government-issued ID, such as a PRC ID, SSS Card, etc.
  • Proof of home address.

For self-employed applicants

  • ITR and audited financial documents for the last three years are required (the two must be for the same business).
  • Registration certificate from the SEC/DTI.
  • Permit for Business or Mayor's Permit.
  • A valid ID photocopy.
  • Bank statement over the previous three months (of accounts at least one year active).
  • A photocopy of a valid picture ID (passport, driver's license, or PRC ID) accompanied by evidence of nationality and date of birth.
  • Evidence of residential address.

Pros and cons of Metrobank personal loan

Below are the pros and cons of Metrobank personal loans, which you must note before applying for a loan.


  • The bank offers loan amounts up to ₱1,000,000.
  • The loan can be processed in as little as seven days.
  • The loan is a multi-purpose loan.
  • The loan does not have too many requirements.
  • The loan application could be started and completed online.
  • The loan comes with an interest rate as low as 1.25%.
  • The loan also comes with a flexible payment term of up to three years.


  • The bank will run a check on your credit history before giving out a loan.
  • You will have to wait to receive a call from the bank before you progress with the application.

How to repay a Metrobank personal loan?

Loan payments are made via an auto-debit arrangement (ADA) through your Metrobank deposit account. If you do not already have a Metrobank deposit account, you will be asked to acquire one after your loan is authorized.


What are the fees and charges associated with a Metrobank personal loan?

The following are the standard personal loan fees and charges:

  • Documentary stamp tax of ₱1,000.

  • Disbursement fee of ₱250,000.

  • Late payment penalty of ₱850.

  • A pre-termination fee of 5% of the outstanding balance or ₱550, whichever is greater.

What is the Metrobank personal loanable amount?

The loanable amount can be as high as ₱1M. However, the authorized loan amount would vary based on the borrower's financial conditions and history at the time of application.

How can a Metrobank personal loan help me?

The loan can assist you in funding large-ticket transactions. You can use it for personal expenditures, house repairs, weddings, college fees, medical crises, or other unforeseen costs.