SB Finance Personal Loan
Security Bank subsidiary offering personal loans up to ₱3 million with online application.
Last checked on May 16, 2026. We may earn a commission when you click through.
SB Finance offers personal loans with flexible terms and a straightforward online application process, making it accessible for many borrowers.
SB Finance Personal Loan
Updated 22 hours agoAt a Glance
Representative APR
39.43%
Loan Amount
₱30,000–₱3,000,000
Term
12–36 mo
Decision
1-3 business days
Eligibility Requirements
About this loan
SB Finance Personal Loan offers a convenient way to access funds online, but potential borrowers should be mindful of the eligibility criteria.
Our Verdict
SB Finance offers personal loans with flexible terms and a straightforward online application process, making it accessible for many borrowers.
Best For
This loan is best for Filipinos looking for quick cash without extensive requirements, especially those with a monthly income of at least ₱12,000.
Watch Out
Be mindful of the high APR of 39.43%, which may not be ideal for long-term borrowing.
What Customers Say
Borrowers report a generally positive experience, especially regarding the application speed, but some have noted high interest rates.
Expert Analysis
This personal loan option provides up to ₱3 million, with a minimum amount of ₱30,000. The fixed APR of 39.43% can make repayments quite steep over time, especially for larger loans.
Approval is swift, taking 1-3 business days, which is favorable compared to some competitors. However, the requirement for a minimum monthly income of ₱15,000 in Metro Manila or ₱12,000 outside might exclude lower-income applicants, limiting access to many.
While the online application process is user-friendly, hidden fees or penalties for late payments should be considered. Customer service reviews indicate a satisfactory experience, but some users reported slow response times during peak periods.
In comparison to other options like RCBC or BPI, SB Finance's APR is significantly higher, making it crucial to evaluate total repayment costs carefully. For those with existing debts or looking for consolidation, this may not be the best choice due to the high interest rates.
You'll be redirected to sbfinance.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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