SEABorrow

Lender page

BPI · Personal Loan

A shareable lender landing page for Philippines borrowers. Use it to inspect the published rate, fee notes, income bar and a representative repayment example before you open the lender site.

Open official source
✓ Verified on lender pageLast checked May 31, 2026Official bank page ↗
Representative monthly payment₱7,051.17₱200,000 over 36 months
Effective rateACR up to 28.67% p.a.From 16.20% p.a. flat (≈ 1.35% / month add-on)
Upfront fees₱1,500.00One-time processing fee PHP 1,500 deducted from proceeds; DST 0.75% applies to loans above PHP 250,000.
Income barCheck sourceFlexible prepayment noted

What this page is good for

  • Sharing one lender result directly in WhatsApp, Reddit or social posts.
  • Showing a repayment example without making the borrower re-enter filters first.
  • Keeping the source URL and lender-specific caveats next to the numbers.

Published terms at a glance

Amount range
₱20,000 – ₱3,000,000
Tenor
12–36 months
Funding
≈ 5 days
Badge
Large amount

Editorial note

BPI publishes a flat monthly add-on rate; personalised rate depends on BPI credit assessment.

Rates, fees and eligibility shown are taken from BPI’s public product and FAQ pages. BPI quotes a flat monthly add-on rate and a maximum ACR; personalised rate and approval are determined by BPI — confirm before applying.

Read more about how SEABorrow classifies verified vs partial / indicative rows on the Methodology page.

Methodology page

SEABorrow is independent and not affiliated with any listed bank. Loan terms change frequently — confirm on the lender's official page before applying. Read our full Disclaimer.

Repayment example

BPI planner loaded below

The planner starts with Philippines defaults and preselects this lender so the shared URL opens to the same offer.

Compare & filter

Find the right Southeast Asia loan shortlist

Start with one market, then adjust amount, tenure and income to surface the most realistic offers.

Popular amounts:
Market focusPhilippinesMonthly-rate loans are common, so repayment visibility matters more than headline promos.
Best headline rate16.20%BPI · Personal Loan
Lowest monthly cost₱7,051.17BPI · Personal Loan
Fastest payout≈ 4 daysSecurity Bank · Personal Loan

Offer shortlist

2 matching bank loans

Verified offers were manually checked on the lender’s public product page; confirm current terms before applying.

Philippines · Large amount

BPI

Personal Loan

Fit 52
✓ Verified on lender pageLast checked May 31, 2026Official bank page ↗
Large limitTrusted brandUp to PHP 3.0M
Advertised rateFrom 16.20% p.a. flat (≈ 1.35% / month add-on)
Effective rateACR up to 28.67% p.a.
Monthly₱7,051.17
Total cost₱255,342.14
Upfront fee
₱1,500.00
Funding
≈ 5 days
Max amount
₱3,000,000
Min income
—
One-time processing fee PHP 1,500 deducted from proceeds; DST 0.75% applies to loans above PHP 250,000.
BPI publishes a flat monthly add-on rate; personalised rate depends on BPI credit assessment.
Rates, fees and eligibility shown are taken from BPI’s public product and FAQ pages. BPI quotes a flat monthly add-on rate and a maximum ACR; personalised rate and approval are determined by BPI — confirm before applying.
Open lender pageOpen lender site
Philippines · Clear pricing

Security Bank

Personal Loan

Fit 30
✓ Verified on lender pageLast checked May 31, 2026Official bank page ↗
Cleaner pricingStable underwritingAPR from 37.53%
Advertised rate16.68%–22.68% p.a. flat (add-on band)
Effective rateAPR 37.53%–39.43% @ 36mo
Monthly₱7,098.73
Total cost₱261,554.44
Upfront fee
₱6,000.00
Funding
≈ 4 days
Max amount
₱2,000,000
Min income
₱15,000/mo
3% processing fee of the loanable amount; PHP 2,500 pre-termination fee.
Security Bank publishes both a headline and an FAQ band for monthly add-on; income floor PHP 15k/mo in Metro Manila.
Rates, fees and eligibility shown are taken from Security Bank’s public product page. Rates are quoted as flat monthly add-on; the APR figures shown are Security Bank’s own estimates at a 36-month tenor. Personalised rate and approval are determined by Security Bank — confirm before applying.
Open lender pageOpen lender site

Repayment planner

BPI · Personal Loan

A single place to inspect monthly repayment, interest burden and fee impact before you build more landing pages around this market.

Estimated monthly payment₱7,051.1736 monthly installments
Total repayment₱253,842.14Principal + interest
Total interest₱53,842.14Cost of borrowing
Upfront fees₱1,500.00Processing + fixed charges
All-in cash cost₱255,342.14Repayment plus fees
Income bar—Prepayment flexibility supported

Amortization snapshot

Month-by-month repayment schedule

MonthPaymentPrincipalInterestBalance
1₱7,051.17₱4,351.17₱2,700.00₱195,648.83
2₱7,051.17₱4,409.91₱2,641.26₱191,238.92
3₱7,051.17₱4,469.45₱2,581.73₱186,769.47
4₱7,051.17₱4,529.78₱2,521.39₱182,239.69
5₱7,051.17₱4,590.93₱2,460.24₱177,648.76
6₱7,051.17₱4,652.91₱2,398.26₱172,995.84
7₱7,051.17₱4,715.73₱2,335.44₱168,280.12
8₱7,051.17₱4,779.39₱2,271.78₱163,500.73
9₱7,051.17₱4,843.91₱2,207.26₱158,656.82
10₱7,051.17₱4,909.30₱2,141.87₱153,747.51
11₱7,051.17₱4,975.58₱2,075.59₱148,771.93
12₱7,051.17₱5,042.75₱2,008.42₱143,729.18

Scenario lab

Run affordability, DSR and early-payoff checks without leaving the comparison flow

These tools stay tied to the selected lender and borrower inputs, so every output remains connected to the exact scenario on screen.

Affordability radar

How much monthly budget feels realistic?

Use simple income bands to see how aggressive this scenario is and what principal each band could support at the selected lender rate.

15% of income₱5,250.00/mo budget
₱148,911.44
20% of income₱7,000.00/mo budget
₱198,548.59
25% of income₱8,750.00/mo budget
₱248,185.74
30% of income₱10,500.00/mo budget
₱297,822.89

Payment pressure

Debt-service view for the selected offer

A quick screen for monthly pressure against the current income input and lender income bar.

Installment / income20.1%
Lender income barCheck source
Eligibility signalPublic income bar not disclosed

This installment is meaningful but still within a moderate planning range for many borrowers.

Tenure sandbox

Slide the term and watch cost rebalance

36 months₱200,000.00 principal
Monthly₱7,051.17
Total interest₱53,842.14
All-in cost₱255,342.14

This matches the currently selected term. Drag the slider to see how cash-flow and total cost rebalance.

Early-settlement preview

What if you clear the loan early?

Month 12
Remaining balance₱143,729.18
Interest paid so far₱28,343.23
Interest avoided₱25,498.91

This is a planning view of balance and interest saved before lender-specific settlement fees or lock-in penalties.

Why this experience is stronger

Designed as a borrower toolkit, not a thin rate table

  • Country-aware comparison, lender pages, shareable scenarios and repayment schedules in one product.
  • Affordability, DSR and early-payoff checks tied directly to the selected lender row.
  • Guides, methodology and policy pages embedded in the same information architecture.

Expansion path

High-related next tools for this vertical

  • Philippines affordability calculator by salary band
  • Philippines DSR / DTI checker with lender-income fit
  • Philippines early-settlement and prepayment-fee explainer

All offers below are derived from publicly visible bank product pages (snapshot per row). Where a lender does not publish a figure, we show “Check source” rather than guess. Rates, fees and approval terms change frequently — confirm on the lender’s own site before applying.