Personal Loan


BDO Personal Loan Frequently Asked Questions

  1. How much is the amount I can avail?
    Minimum amount that you can borrow is Php 10,000.00 and maximum is Php 1,000,000.00. Loan amount is subject to bank approval and will be based on the income documents submitted.

  2. For how long can I pay the loan?
    You may choose to pay the loan from 6, 12,18, 24, 36 months loan term.

  3. What are the fees and charges?

    Processing Fee P1,300 (Deducted from loan proceeds)
    Late Payment Fee 5% of the amount due or P300 whichever is higher
    Returned Check Fee P500 per returned check
    Certification Request Fee P100 per request
    Documentary Stamp Tax Fee P1.50 for every P200 approved loan amount or fraction thereof, whichever is higher

    Applicable for approved loan amounts greater than P250,000 or for business purpose (regardless of the amount)

    Installment Processing Fee* 5% of the total outstanding principal balance or P300 whichever is higher

    *For processing of full payment of outstanding balance before end of payment term

  4. Where do I apply for a BDO Personal Loan?
    Visit any BDO Branch near you.

  5. How do I pay the monthly installment?
    Payment can be done via Auto Debit Arrangement (ADA) or Over-the-Counter (OTC) at any BDO Branch nationwide.

  6. Can I pay the loan in advance?
    Yes, subject to fees and charges. See table of fees and charges above.

  7. Can I re-avail?
    Yes, as long as your existing Personal Loan has been paid for 6 months and is in good credit handling.



For Inquiries

Call BDO Customer Center at +63 2 8631-8000