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Get A Personal Loan From The Bank For Education, Travel Or Other Expenses

Apply for a loan and we will provide you with the push you need to achieve your goals.

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    Competitive Interest Rate

    Enjoy lower costs with RCBC's attractive loan rates.

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    Flexible Payment Terms

    Choose a repayment period that suits your financial situation.

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    High Loan Amounts

    Access substantial funding from the bank to cover various personal loan needs.

Terms and Conditions

Terms and Conditions

Empower Your Financial Goals

RCBC Personal Loans offer the flexibility to fulfill a multitude of financial aspirations.

Whether you're consolidating debt, funding a major purchase, covering educational expenses, or planning a dream vacation, our personal loans in the Philippines provide the financial support you need to make it happen.

With tailored solutions, we're here to help you achieve your personal and financial milestones.

Who are eligible to apply?

  • At least 21 years old upon application and at most 70 years old upon loan maturity
  • With Permanent employment status
  • With a gross monthly income salary of at least P15,000 (with credit history) ; P25,000 for applicants who have none
  • At least 21 years old upon application and at most 70 years old upon loan maturity
  • Business profitably operating for at least 2 years
  • Should be carded or/ with credit history
  • Proof of income (3 months Bank statements) RCBC and/or with other banks

What you’re in for:

Maximum Loan Amount

PHP 5,000,000

Minimum Loan Amount

PHP 20,000

Payment Terms

Flexible payment terms from 6 - 36 months

Calculate your loan

Loan Amount (PHP)
Loan Period

Total Loan Amount

PHP 50,000

Interest Rate

1.3%

Monthly Payment

PHP 8,983.33

You only need to prepare:

1. Signed application form with complete mandatory information

2. A copy of one (1) valid government issued ID (ie. UMID, Passport, Driver’s License) View valid IDs

3. A copy of any proof of income

For Locally Employed applicants:

Latest Income Tax Return (ITR) with BIR stamp/Form 2316, Certificate of Employment and Income, or Latest 1-Month Payslip

For Self-Employed applicants:

Latest Income Tax Return (ITR) with BIR stamp/Form 2316, Certificate of Employment and Income, or Latest 1-Month Payslip

Additional Requirements:

• For Sole Proprietorship: Mayor’s Permit or DTI registration

• For Partnership: Articles of Partnership, Certificate of SEC Registration and General Information Sheet (GIS), if applicable

• For Corporation: Articles of Corporation and By-Laws, Certificate of SEC Registration and General Information Sheet (GIS) Other Bank Statement of Account

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Ready to kickstart your goals?

Apply via any RCBC Branch near you!

Branch Finder

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