BPI Personal Loan

One of the Philippines' largest banks offering personal loans up to ₱3 million with competitive rates.

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

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The BPI Personal Loan offers substantial amounts and competitive rates for eligible borrowers, making it a solid choice for personal financing needs.

✓ Large loan amounts up to ₱3 million ✓ Fixed interest rates ✓ Quick approval for qualified borrowers
Personal BPI

BPI Personal Loan

Updated 1 day ago

At a Glance

Representative APR

25.03–28.67%

Loan Amount

₱20,000–₱3,000,000

Term

12–36 mo

Decision

2-3 banking days callback

No impact on your credit score Check eligibility →

You'll be redirected to bpi.com.ph

Eligibility Requirements

Filipino citizen
employed or self-employed
minimum gross monthly income ₱15,000
credit card holder for at least 12 months (optional fast track)

About this loan

BPI offers competitive personal loan rates, making it a solid choice for those needing significant funding. However, the application process may be stricter due to its high credit tier requirements.

Our Verdict

The BPI Personal Loan offers substantial amounts and competitive rates for eligible borrowers, making it a solid choice for personal financing needs.

Best For

This loan is ideal for individuals seeking large amounts, up to ₱3 million, with fixed rates ranging from 25.03% to 28.67%.

Watch Out

Approval times may take 2-3 banking days, and the minimum income requirement is ₱15,000, which could exclude some applicants.

What Customers Say

Customer feedback varies, with some praising loan amounts, while others cite slow service as a drawback.

Expert Analysis

With loan amounts reaching up to ₱3 million, BPI Personal Loans cater to those needing significant cash infusion. The fixed APR of 25.03% to 28.67% is relatively competitive, particularly for high credit tier borrowers. If you have a minimum gross monthly income of ₱15,000, you can apply for a loan term ranging from 12 to 36 months.

Approval processes might take between 2 to 3 banking days, which is fairly standard, but could feel slow if you need cash quickly. Note that having a credit card for at least 12 months can expedite your application, although it is optional. This could be a hurdle for first-time borrowers who do not yet have a credit card.

While BPI is one of the largest banks in the Philippines, customer service can vary. Some users report delays in responses, so be prepared for potential follow-ups. Overall, if you meet the qualifications, this loan can serve as a good solution for larger financial needs. For comparison, other banks like Metrobank and RCBC offer similar loan products, but BPI's maximum amount is notably higher.

Check eligibility →

You'll be redirected to bpi.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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