Consider our Personal Loan as your safety net for your financial needs, whether it’s for education, business, travel, or 
debt consolidation.

Loan Amount (PhP30,000 to PhP2 Million)PhP 100,000 (sample amount)
Minimum Repayment Term12 months
Maximum Repayment Term48 months
Monthly Add-On Rate*2%
Monthly AmmortizationPhP 10,333.33
Nominal rate (monthly)3.48%
Effective Rate4.41%
Processing FeePhP 5,000
Notarial FeePhP 300
Effective Interest Rate67.8875%

*Estimated APR at 36 months is 39.43%
*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 Customer Service hotline at (+632) 8887-9188 or email us at [email protected].

“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 the cash you need without any


No credit card needed!

We don’t require credit card details so
you can get your loan approved.


Easy application process

Application is purely digital.

Documentary Requirements

  • Prior application via the zukì mobile app, prepare
    the scanned copies of the following documents
  •  Files can be in jpeg, pdf, or png format. Size of the
    digital images and files should not exceed 5mb

Income documents, any of the following:

  • Latest one (1) month payslip
  • Certificate of Employment and Compensation –
    issued within the last six (6) months
  • Latest ITR
  • Credit Card
    • Credit Card must be active for at least 12 months
    • Credit Limit should be at least PhP 45,000 for those residing in Metro Manila and PhP 36,000 for those residing outside Metro Manila


  • Latest one (1) year Audited Financial Statement
    (AFS) with at least the previous year’s comparative financials
  • SEC/DTI Certificate of Registration
  • Business permit/Mayor’s permit
  • Latest three (3) months bank statements
  • List of three (3) trade references with contact details
    • At least one (1) supplier and one (1) customer
  • Latest GIS (if corporation)

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 should have been operating profitably for at least 2 years with at least 1 trade reference.
  • Minimum gross monthly income of PhP60,000

Choosing where to pay?

Security Bank ChannelsOperating HoursMin/Max Amount Accepted
Security Bank Branches
(Over-the-Counter or ATMs)
Bank hoursNo Limitation
Security Bank
Automatic Debit Arrangement
9AM – 9PMNo Limitation
Security Bank Online
via this link (via enrollment)
24/7No Limitation
Security Bank Mobile Banker
(via enrollment)
24/7No Limitation
Over-the-Counter Partner Channels
CVM Pawnshop8AM – 5PM
Monday – Sunday
≤ P50,000 per transaction
Gaisano MallsMall Hours≤ P50,000 per transaction
7 Eleven24/7P10,000.00 Kiosk Machine
P50,000.00 using the CliQQ mobile app

*All borrowers can do multiple transactions if transaction limit exceeds to P50,000

Ready to apply for a Personal Loan?


Download our app now


Our application is convenient, digital, and seamless.
No application fees and we’ll be with you every step of the way.
Dito, pwede!


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