Metrobank Personal Loan

Major Philippine bank with transparent pricing and clear ACR disclosures.

Last checked on May 16, 2026. We may earn a commission when you click through.

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Metrobank offers a straightforward personal loan with fixed rates and a clear application process.

✓ Quick approval and funding within 7 banking days ✓ Flexible payment terms of up to 36 months ✓ No prepayment penalties
Personal Metrobank

Metrobank Personal Loan

Updated 2 days ago

At a Glance

Representative APR

25.98–36.74%

Loan Amount

₱20,000–₱2,000,000

Term

12–36 mo

Decision

7 banking days

No impact on your credit score Check eligibility →

You'll be redirected to metrobank.com.ph

Eligibility Requirements

Filipino citizen or resident
employed with minimum gross monthly income
valid government-issued ID
income documents

About this loan

Metrobank offers a reliable personal loan option with transparent pricing and flexible terms, making it suitable for various personal goals.

Our Verdict

Metrobank offers a straightforward personal loan with fixed rates and a clear application process.

Best For

This loan is ideal for borrowers with good credit looking for flexible terms and transparent pricing.

Watch Out

Watch for the origination fee of PHP 1,500 and the relatively high APR range of 25.98% to 36.74%.

What Customers Say

Borrowers generally appreciate the transparency and speed of the Metrobank personal loan application process.

Expert Analysis

If you need a personal loan with a quick turnaround, Metrobank's offer stands out with a funding speed of just 7 banking days. The loan amount ranges from PHP 20,000 to PHP 2,000,000, making it suitable for various financial needs.

The fixed APR can be as low as 25.98%, but it can reach up to 36.74%, which is on the higher side compared to other lenders. This could impact your total repayment significantly if you borrow larger amounts.

While applying is easy and can be done online, borrowers should be aware of the PHP 1,500 origination fee. Additionally, there are no prepayment penalties, which allows you to pay off your loan sooner without extra costs.

Metrobank's customer service generally receives positive feedback, but responsiveness can vary. This loan is not recommended for those with lower credit scores, as it primarily targets borrowers with good to high credit ratings seeking competitive terms.

Check eligibility →

You'll be redirected to metrobank.com.ph

Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.

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