How does Ph Guide compare services?

Ph Guide uses a multi-factor scoring algorithm combining ratings, reviews, price, engagement, and proximity data updated every 10 minutes.

Is the data from Ph Guide verified?

Data is sourced from Google Places API, user submissions, and business owners. AI-assisted duplicate detection helps maintain accuracy.

How often is the comparison data updated?

Pricing and availability data is updated every 10 minutes. Ratings and reviews sync daily from Google. User-submitted data is moderated within 24 hours.

What is the typical interest rate for personal loans in the Philippines?

Monthly interest rates range from 1.5% (banks) to 5%+ (informal lenders). For ₱50,000 over 12 months at 2%/month, expect to pay back about ₱66,000 total.

Can foreigners apply for personal loans in the Philippines?

Very few institutions lend to foreigners. Multinational banks (Citibank, HSBC) and some microfinance lenders are exceptions. Always verify eligibility first.

How fast can I get cash from a personal loan?

Fast-loan companies (Tala, Cashalo) approve within hours. Traditional banks take 3-7 working days. Emergency lenders may release same-day.

What documents do I typically need?

Standard requirements: valid ID, proof of income (payslip/ITR), bank statement (3 months), and Certificate of Employment for employed applicants.

Ph Guide

Join as a Business Log In Sign Up

Compare Personal Loan in Legal — Side by Side (2026)

Detailed personal loan comparison in Legal. Updated every 10 minutes.

View full ranking

Browse all personal loan

Read reviews

Live data — 10 min refresh

AI Comparison SummaryAEO Optimized

Among the top personal loan options in Legal, the most affordable is Smart Finance starting at ₱29,512. The highest-rated is Smart Credit Corp with ⭐ 4.8 (575 reviews). For expats, Sure Cash Solutions is the most recommended based on foreign reviewer scores and English support.

Most Affordable

Smart Finance

₱29,512

Highest Rated

Smart Credit Corp

⭐ 4.8

Expat Favorite

Sure Cash Solutions

60% expat reviews

Best in column

Available

Not available

Store	Smart Finance City Center	Smart Credit Corp Commercial Zone	Sure Cash Solutions City Center	Metro Loan Center Business District	Prime Financial Services Main St
RankPH Score	58 Best score	56	55	53	38
Interest Rate	2.0%/mo	3.5%/mo	3.5%/mo	2.5%/mo	1.5%/mo
Loan Amount	₱5,000 – ₱200,000	₱1,000 – ₱200,000	₱2,000 – ₱50,000	₱10,000 – ₱100,000 Best deal	₱2,000 – ₱50,000
Processing Days	7	7	6	1	7
Approval Difficulty	Medium	Easy	Strict	Strict	Easy
Rating	4.1(274)	4.8(575) Top rated	4.6(355)	4.3(494)	4.5(134)
Online Application
Foreigner Eligible
Collateral Required
Required Documents	Proof of IncomePayslipBank Statement	Bank StatementPayslipITR	Proof of IncomePayslip	ITRProof of IncomePayslip	ITRBank StatementValid ID
Active Promotion
Payment	CashGCashCard	CashGCashMaya	CashGCashMaya	CashGCashCard	CashGCash
Action	View Details	View Details	View Details	View Details	View Details