BDO Kabayan Loan

Bring your plans to life with BDO Kabayan Loan.


BDO Kabayan Personal Loan Program

Enjoy low interest rates and easy payment terms on your financing needs such as:     

  • Home Renovation / Upgrades
  • Tuition / Education
  • Furniture
  • Appliances / Electronic Gadgets
  • Vacation / Travel
  • Balance Transfer / Debt Consolidation
  • Special Events
  • Health and Wellness
  • Medical Emergencies

BDO Kabayan Personal Loan - Unsecured

A multi - purpose and non collateral Personal Loan for OFWs with fixed income.


BDO Kabayan Personal Loan - Secured

The Personal Loan for OFWs is offered against hold-out on Joint or Individual account deposits maintained with BDO as security.

1. The following are the type of deposits allowed for this facility:

  • Peso or Dollar Savings Account
  • Peso or Dollar Time Deposit – at least co-terminous with the loan tenor

2. The minimum deposit requirement is P15,000 or its dollar equivalent.
    Though, the loan proceeds will be in Pesos.

3. Applicant should be the OFW only. However, if the deposit collateral is a
     joint account, beneficiary may apply as a principal borrower of the loan

4. The following cannot be allowed to be held as collateral

  • “In Trust For” accounts
  • Accounts with existing/ongoing hold-out arrangements


Flexible loan amounts

  • Minimum of P10,000

For BDO Kabayan Personal Loan Secured

  • For Peso account, maximum of 90% of the deposit account balance

  • For Dollar account , maximum of 80% of the deposit account balance; the prevailing buying rate shall be used to determine peso equivalent.

Fixed monthly payments – pay the same amount every month with any of the following flexible payment terms:

  • 3 months (for Unsecured)
  • 6 months
  • 12 months
  • 18 months
  • 24 months
  • 36 months

Loan proceeds will be credited to BDO account


Top Up Loan Feature (Secured and Unsecured Loan)

  • Existing Kabayan Loan with good standing may qualify for re-availment or top-up plan.

Apply Now

Download form and submit to branch

For Inquiries

Call BDO Customer Center at 631-8000 Text BDOLOANS to 2256

  • Minimum Loan
  • Tenor (Months)
    6, 12, 18, 24, 36
  • Pay the same amount every month