Use our Personal Loan for anything you need. Dito, pwede!

You can use our multi-purpose Personal Loan to pay for essential expenses, education, business expenses, or any other cash expense. Consider our personal loan as a safety net in times when you need that financial boost.

Loanable Amount P30,000 to P2,000,000
Payment Terms 12 to 36 Months
Monthly Add-On Rate* 1.89%
Approval Time 5 banking days

*Estimated APR at 36 months is 37.53%
*Rates shown are indicative only and may change upon approval.
*SB Finance will never ask you to pay a facilitation fee for your application. If you receive a call, SMS, or email asking you to pay a facilitation fee, do not engage. Immediately report the incident to our 24-Hour Customer Service hotline at (+632) 8887-9188 or email us at

“SB Finance Personal Loans helped me financially this pandemic when all my collections were delayed. It covered all my expenses while I waited for payments.”

– Miguel Collado, Mig Aggregates and Concrete Products

Don’t put your plans on hold

Our Personal loan is specifically tailored to make your dreams come true

No collateral required

Get your desired cash without worries

Flexible loanable amount

Borrow anywhere from P30,000 to P2,000,000

Approval within 5 banking days

Application only takes 10 minutes and you can get approved in as fast as 5 days!

Ready to apply?

Our application is fast, online, and seamless. We’ll be with you every step of the way.

Documentary Requirements

A. Completely Filled out and signed application form. For online application, go here. If you’re applying at a branch, click here to download the form.

B. If Employed:

  • One (1) valid government-issued photo ID
  • Income Documents, any of the following:
    • Certificate of Employment and Compensation
      – issued within the last six (6) months
    • Latest ITR
    • Latest one (1) month payslip

C. If Self-Employed:

  • One (1) valid government-issued photo ID
  • Latest 1-year Audited Financial Statement (AFS) with at least the previous year’s comparative financials
  • SEC Registration / DTI Certificate
  • Business Permit / Mayor’s Permit
  • Latest three (3) months bank statements
  • Latest GIS (if corporation)
  • List of 3 trade references (at least 1 supplier and 1 customer) with contact details

Note: Additional documents may be required to process the loan.


  • At least 21 years old at the time of application but not more than 65 years old upon loan maturity
    • Must be a Filipino Citizen
    • Must have an office or residence landline.
  • If Employed
    • For Metro Manila: PHP15,000
    • For outside Metro Manila: PHP12,000
  • If Self-employed:
    • For Self-Employed or Self-Employed Professionals, borrower must be the owner or a majority owner with at least 40% stake AND the business has been operating profitably for at least 2 years with at least 1 trade reference.
    • Minimum gross monthly income of P100,000

How much is the amount I can loan?

Minimum amount that you can avail is Php 30,000.00 and maximum is Php 2,000,000.00. Loan amount will be based on credit evaluation and income documents submitted.

For how many months/terms I can pay the loan?

You have option to pay the loan amount for: 12, 18, 24 and 36 months.

Term Monthly Add-on Rate
12-36 months 1.89%

Estimated APR at 36 months is 37.53%

What are the fees and charges?

Processing Fee P2,000
Notarial Fee (For P100,000 loan and up) Php 100.00
Documentary Stamps (For Php 250,000 loan and up) Php1.50 for every Php 200.00
Late Payment Fee

3% of the amount due or Php500.00 whichever is higher

Effective September 19, 2021: 3% of unpaid amortization

Pre-termination Processing Fee P2,500


How will I know if my loan is approved?

A bank representative will notify you on the result of your application. You may also contact our Customer Service Hotline at 02-8887-9188 or you may send an email at

How will I get my loan proceeds?

Loan proceeds are released through Manager’s Check (MC) or Credit to Security Bank Account. Loan proceeds may be claimed at the Loan Releasing Area (No. 849-A GF Keyland Building Arnaiz Ave Makati City) or through branch where loan was applied. During loan availment, you must bring the following:

  • If employed, original company ID and one (1) valid government issued IDs
  • If self-employed, original two (2) valid government issued IDs
  • Other documents required for booking that will be relayed by the SBC representative that will call you regarding the loan approval.

Can I get a personal loan if I have a cancelled credit card?

If you have a cancelled credit card from any bank, please get the necessary clearance before applying for a personal loan to ensure the smooth processing of your application.

Can I pre-terminate my loan?

Yes, you can pre-terminate the loan but there will be a processing fee of Php 2,500 (based on PN) shall be applied to your account.

Can I re-avail of a loan?

You can re-avail your personal loan as long as you have already paid at least half of your original loan term, and there has been no record of missed payments. Example: Original loan term is for 12 months and you have already paid your amortizations for 6 months already, you can apply for re-availment. Upon booking, your previous loan balance will be deducted from the proceeds of your new loan.

Can I avail of two personal loans at the same time?

Borrower cannot avail two separate loans at the same time. At least half of the term for the existing loan must be paid off first before they can apply for another loan.