Compare Personal Loan in Cagayan de Oro — Side by Side (2026)
Detailed personal loan comparison in Cagayan de Oro. Updated every 10 minutes.
Among the top personal loan options in Cagayan de Oro, the most affordable is Prime Finance starting at ₱21,208. The highest-rated is Smart Lending with ⭐ 4.8 (191 reviews). For expats, Metro Cash Solutions is the most recommended based on foreign reviewer scores and English support.
Prime Finance
₱21,208
Smart Lending
⭐ 4.8
Metro Cash Solutions
70% expat reviews
| Store |  Sure Credit Corp City Center |  Metro Cash Solutions City Center |  Prime Finance Business District |  Metro Financial Services City Center |  Smart Lending City Center |
| RankPH Score | 73 | 70 | 58 | 52 | 41 |
| Interest Rate | 5.0%/mo | 2.5%/mo | 1.5%/mo | 2.0%/mo | 2.5%/mo |
| Loan Amount | ₱10,000 – ₱500,000 Best deal | ₱2,000 – ₱500,000 | ₱2,000 – ₱200,000 | ₱2,000 – ₱100,000 | ₱10,000 – ₱100,000 Best deal |
| Processing Days | 7 | 5 | 4 | 5 | 2 |
| Approval Difficulty | Medium | Easy | Medium | Medium | Medium |
| Rating | 4.7(551) | 3.8(411) | 4.5(330) | 4.3(110) | 4.8(191) Top rated |
| Online Application | |||||
| Foreigner Eligible | |||||
| Collateral Required | |||||
| Required Documents | Valid IDITRBank Statement | Certificate of EmploymentITR | Valid IDBank Statement | Bank StatementITRValid ID | Certificate of EmploymentValid IDITR |
| Active Promotion | -25% | -30% | -15% | ||
| Payment | CashGCashMaya | Cash | CashGCashCard | CashGCashCard | CashGCashCard |
| Action | View Details | View Details | View Details | View Details | View Details |
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How to Choose the Best Personal Loan in Cagayan de Oro
Compare Interest Rates First
Even 0.5% difference in monthly interest compounds significantly over the loan period.
Processing Speed Matters
If you need cash urgently, prioritize lenders with 1-3 day processing times.
Check Required Documents
Some lenders require fewer docs — ideal if you can't produce a full COE or ITR.
Foreigner Eligibility
Most banks don't lend to foreigners. Check the column to find expat-friendly options.