Loan
Reviews and step-by-step guides for the personal loans, salary loans and regulated loan apps available in the Philippines: amounts, terms, monthly add-on rate, annual contractual rate, fees, requirements (valid ID, proof of income) and the link to the official website of each BSP-supervised bank or SEC-licensed lender.
Loan
Featured
BPI Personal Loan: up to ₱3 million with fixed monthly payments!
BPI Personal Loan: how to apply
CIMB Personal Loan: up to ₱1 million, fully in the app!
CIMB Personal Loan: how to apply
Tala loan app: up to ₱25,000 with one valid ID, no payslip!
Tala loan app: how to apply
Online lending apps: how do you check if a lender is legal before you borrow?
Salary loan or personal loan: which one fits your situation?
Frequently asked questions
Need help? See some questions we get asked frequently.
Does Kredua grant loans?
No. We are an independent informational portal. We explain the conditions that lenders publish and take you to their official website; the application, the evaluation and the approval are always the lender's.
How do I compare two loans?
By the annual contractual rate, which the Truth in Lending Act requires lenders to disclose, and by the total amount to repay for the same amount and term, including processing fees and documentary stamp tax. The monthly add-on rate alone is not enough: two loans with the same rate can cost very differently.
Can I get a loan with a bad record at the CIC?
Banks usually require a clean record. Some SEC-licensed apps accept borrowers without history or with past delays, but with much higher fees and small amounts. The most effective step is to settle the account that caused the delay; be suspicious of anyone who promises guaranteed approval or asks for a fee before release.
Still no answer?
Contact us! Our team of specialists will be happy to help.