Complete price breakdown for 7 personal loan services in Makati. Budget, mid-range, and premium options with verified averages and insider tips.
₱1,000
Most Affordable
Online Lending App (small)
₱131,143
Average Price
across all services
₱5,000,000
Premium Range
Business Loan (SME)
7
Services Tracked
in Makati
Bank Personal Loan (employee)
Monthly interest: 1.2-2% | Processing: 1-2 weeks
Online Lending App (small)
Monthly interest: 2.5-5% | Approval: same day
Credit Card Cash Advance
Daily interest: 0.08% | Instant but expensive
SSS Salary Loan (member)
Monthly interest: 1% | Processing: 1-3 days
Pag-IBIG Multi-Purpose Loan
Monthly interest: 0.83% | Best government rate
OFW Loan (for OCW)
Monthly interest: 1-1.5% | Requires OFW documentation
Business Loan (SME)
Monthly interest: 1-1.8% | Requires business documents
SSS and Pag-IBIG loans offer the lowest rates (0.83-1%/month) but require membership and contribution history
For amounts under ₱25,000 quickly, online apps are fastest but most expensive — calculate total cost before applying
BDO, BPI, and Metrobank have the highest approval rates for salaried employees in Makati
Most Philippine banks do not lend to non-resident foreigners. Citibank and HSBC are notable exceptions
SEC-registered lenders are listed at sec.gov.ph — always verify before applying to any non-bank lender
Monthly interest rate × 12 ≠ annual rate accurately — use compound interest calculation for fair comparison