Personal Loan for as low as 0.98%

Get a BDO Personal Loan for as low as 0.98% monthly add-on rate!


Promo Period
February 1 to June 30, 2023


Loan Amount
Minimum of P500,000.00 up to P2,000,000.00, subject to bank approval.


Loan Term
Flexible payment terms! Choose from 6, 12,18, 24 & 36 months. 


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Sample Computation:

Loan Amount: P500,000.00
Term: 36 months
Factor Rate: 0.037582712


Loan Amount x Factor Rate = Monthly Amortization
P500,000.00 x 0.037582712 = P18,791.36


Above computations are for illustration purposes only. These do not constitute an approval nor an offer by BDO.


Promo Mechanics

  1. The BDO Personal Loan Low Rate Promo (“Promo”) that will run from February 1 to June 30, 2023 (“Promo Period”) is open to customers whose Personal Loan application was made via the BDO branch and selected customers who receive an offer from BDO’s Telemarketing. The loan application must be submitted within the Promo Period and subsequently approved.

  2. The Promo is applicable to Personal Loan applications under 12, 18, 24 or 36-month term and a minimum loan amount of P500,000.

  3. To qualify, customers with an approved BDO Personal Loan must be able to sign loan documents for the release of proceeds in a BDO branch within 60 calendar days from the loan approval date.

  4. BDO Personal Loan applications submitted to the branch after June 30, 2023 will no longer be qualified under this Promo.

  5. Approved BDO Personal Loan under the Promo which were not availed by the client within 60 calendar days from loan approval date shall automatically be canceled. Customer may re-apply within the Promo Period.

  6. BDO Secured Personal Loan (loan with deposit hold-out) and BDO Kabayan Personal Loan Program (Secured and Unsecured) applications are not qualified under the Promo.

  7. The following promotion rates shall apply:


  8. The following Regular Rates will apply for BDO Personal Loan applications not qualified under the Promo:


  9. All BDO Personal Loan application submitted as well as requests for loan release are subject to the final approval of BDO (“Bank”). The terms of the signed Application Form with Undertaking, Promissory Note and Disclosure Statement shall be binding to the customer.

  10. An Availment Processing Fee of P1,300.00 will be deducted from the cash loan proceeds to be credited to the customer’s nominated account. The Availment Processing Fee is non-refundable and will be deducted even if customer decides to pay the entire remaining balance before the end of the payment term.

  11. Documentary Stamp Tax (DST) is applicable for approved loan amounts greater than P250,000 or for business purpose (regardless of the amount). The DST that will deducted from the cash loan proceeds is P1.50 for every P200 approved loan amount or fraction thereof, whichever is higher.

  12. In case of late payment, a Late Payment Fee of 5% of the amount due or P300, whichever is higher, will apply.

  13. Should the customer request for the acceleration of the charging of the full amount of the remaining monthly amortization/s, an Installment Processing Fee of 5% of the remaining balance or P300.00 whichever is higher, will be charged to the customer’s account. The total accelerated amount and the corresponding fee shall form part of the outstanding amount due for the pertinent monthly amortization schedule and must be paid in full.

  14. Promo is not valid in conjunction with other promotions, unless otherwise stated.

  15. The decisions of the Bank on all matters relating to the Promo shall be final and binding with the concurrence of Department of Trade and Industry (“DTI”).


BDO Personal Loan fees & charges will apply.


Per DTI Fair Trade Permit No. FTEB-159961, Series of 2023.