The Benefits

Time to reach for your goals. Apply for a personal loan.

Plan your future with ease. Get a Metrobank Personal Loan designed to cater to your milestones.

Flexible Payment Terms

Get a personal loan with flexible payment terms. Enjoy rates as low as 1.25% monthly add-on with payment terms of up to 36 months.


Ease of Application

Apply online in just a few minutes. Just fill out the online application form and wait for a call regarding your loan application.

Fast Personal Loan Approval

Easy-approved personal loan lets you receive the cash you need as quickly as possible. Loans are processed in as fast as 7 business days.

Sizeable Loan Amount

Enjoy one of the largest Personal Loan amounts in the Philippines. Borrow up to a maximum loan amount of Php 2M*

*subject to credit evaluation

Minimal Requirements

Personal loan application is made easy with these simple requirements:

  1. Signed Promissory Note and Disclosure Statement (PNDS)
  2. Valid Philippine government ID


There’s no limit to the use of online personal loans. Use your loan for a variety of purposes such as for travel, purchases of big ticket items, weddings, or unexpected expenses.

Personal Loan Calculator

Use the personal loan calculator to compute for the monthly amortization based on your preferred loan amount and loan tenor.

Customize your terms:

A minimum of 20,000 is required. (maximum of 2,000,000)






Disclaimer: Results are indicative only and are subject to change.
For further inquiries, call (02) 88-700-700

Need to know more about personal loans?

Browse Metrobank’s articles offering tips and guides so you can learn everything you need before submitting your personal loan application.

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Things to Know

Take the time to review the following information about Metrobank Personal Loan

Personal Loan Tenor, Interest Rates, and Fees

TenorMonthly Add-on RateAnnual Contractual Rate
12 months1.75%36.742%
18 months1.75%36.676%
24 months1.50%31.459%
36 months1.25%25.976%

Rates and applicable fees will depend on your loan amount and loan tenor. Applicable fees and charges:

  • Disbursement Fee - Php 1,500
  • Documentary Stamp Tax - Php 1.50 for every Php 200 of the loan amount (for loans above Php 250,000)
  • Late Payment Fee - Php 850 per incidence of late payment or non-payment
  • Pre-termination Fee - 5% of Outstanding Balance or Php 550, whichever is higher

Example: For a Php 300,000 loan with a 1.25% monthly add-on interest and repayment period of 36 months, the estimated monthly amortization is Php 12,083.33. A minimal one-time disbursement fee of Php 1,500 and documentary stamp tax (DST) of Php 2,250 will also be deducted from your loan proceeds. The ACR (Annual Contractual Rate) is 25.976% and APR (Annual Percentage Rate or Effective Interest Rate) is 30.516%.*

*Minimum APR is 30.516% and maximum APR is 33.317%.
**Minimum repayment period is 12 months and maximum repayment period is 36 months.
***Rates and fees are subject to change.


How to Apply?

Terms and Conditions

Frequently Asked Questions