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FAQ

What are the different types of personal loans ?

There are two major types of personal loans in the Philippines: secured personal loans and unsecured personal loans. Secured personal loans require a collateral (property or vehicle, for example) while unsecured loans do not require any type of collateral from the borrower.

What personal loan fees should I know about ?

When taking out a loan, consider the following personal loan fees and charges that may add up to the cost of borrowing money: interest rate, late payment fee, early payment fee, returned check fee, and amendment fee. Know all about these loan fees here.

How do I know if I got a loan approval ?

The lender may call you, send you a text message, or e-mail you about your loan approval. Most banks, however, do not inform applicants if they got approved for a loan or not. If needed, you may call the bank and ask for an update regarding your loan application. To know the common reasons why a personal loan is rejected, click here. 

How do I get the money I want to loan ?

It depends on the lender you applied with. Some banks transfer the loan money to the borrower’s bank account while some may give it via check or cash.

I'm unemployed. Can I still get a loan ?

You can get an emergency loan but not a personal loan from a bank. An emergency loan, however, is an expensive way to borrow money with interest rates between 1% to 1.5% per day. It also comes with very short terms, usually 30 days, giving you limited time to pay the amount you borrowed.

What are the basic personal loan requirements ?

If you want to apply for a loan, you have to be at least 22 years old and have a permanent residence in the Philippines. You must also meet a minimum income requirement, which you can verify to the bank by presenting a proof of income. To know more about this, check out our guide on loans.