Details about the BPI Cash Loan Interest Rate 2026 & Other Important Factors
BPI CASH LOAN INTEREST RATE 2026 – Here are the important details like the loanable amounts and how much the loan may grow during repayment.
In the Philippines, a lot of Filipinos are turning to reputable banks in times of cash needs. One of these trusted entities is the Bank of the Philippine Islands, more popularly called BPI, which has already helped countless people in many different ways.
The Bank of the Philippine Islands has several loan offers. Aside from the BPI Solar Mortgage offer, it also has a Personal Loan offer or also called the BPI cash loan. It is the loan offer with the most flexibility in terms of the purpose for application.
You may apply for the BPI cash loan offer to travel, to get your car repaired, to pay for the utility bills, to make a personal purchase, etc. The loan offer is open not only for the salaried but as well as non-salaried individuals. Even overseas Filipino workers (OFWs) may apply for the loan offer.
However, just like in other loans, before applying, it would be best to check on the BPI cash loan interest rate as well as the other important details like the loanable amounts under the offer. Here are the minimum and maximum borrowing amounts under the loan offer:
- Minimum Loanable Amount — Php 20,000
- Maximum Loanable Amount — P 3 million
According to the Bank of the Philippine Islands, a qualified individual may borrow up to thrice of his/her gross monthly income. Thus, if you are earning P20,000 as a gross monthly income, the BPI may lend you up to P60,000.00 under its loan offer.
The Bank of the Philippine Islands stated that under the Personal Loan offer, the borrower may be allowed to borrow up to as much as thrice of your gross monthly income. Thus, if you earn P20,000.00 as gross income per month, you may borrow up to Php 60,000.00.
With regards to the BPI cash loan interest rate, the maximum annual contractual rate or ACR is 25.60%. The bank implements a one-time processing fee of P1,500.00 on approved loan applications. According to the loan provider, the processing charge will be deducted from the loan proceeds. The loan is payable from 12 months up to 36 months.
Are you planning to apply for the loan offer? BPI has set varying requirements depending if you are locally-employed, self-employed, or an OFW. Here’s a guide: