Consider our Personal Loan as your safety net for your financial needs, whether it’s for education, business, travel, or debt consolidation.
Sample Computation Below
| Loan Amount (PhP30,000 to PhP2 Million) | PhP 100,000 (sample amount) |
| Minimum Repayment Term | 12 months |
| Maximum Repayment Term | 48 months |
| Monthly Add-On Rate* | 2% |
| Monthly Ammortization | PhP 10,333.33 |
| Nominal rate (monthly) | 3.48% |
| APR | 41.7031% |
| Effective Rate | 4.41% |
| Processing Fee | PhP 5,000 |
| Notarial Fee | PhP 300 |
| Effective Interest Rate | 67.8875% |
*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
worries.
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
below. - Files can be in jpeg, pdf, or png format. Size of the
digital images and files should not exceed 5mb
Employed
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
Self-Employed/Professionals
- 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.
Eligibility
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 Channels | Operating Hours | Min/Max Amount Accepted | |
|---|---|---|---|
 | Security Bank Branches (Over-the-Counter or ATMs) | Bank hours | No Limitation |
| | Security Bank Automatic Debit Arrangement | 9AM – 9PM | No Limitation |
| | Security Bank Online via this link (via enrollment) | 24/7 | No Limitation |
| | Security Bank Mobile Banker (via enrollment) | 24/7 | No Limitation |
| eWallet | |||
 | GCash | 24/7 | The GCash transfer/payment limit varies based on your account verification status. |
| Over-the-Counter Partner Channels | |||
 | CVM Pawnshop | 8AM – 5PM Monday – Sunday | ≤ P50,000 per transaction |
 | Gaisano Malls | Mall Hours | ≤ P50,000 per transaction |
 | 7 Eleven | 24/7 | P10,000.00 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!