Check here the Table of BDO Cash Loan Interest Rate Based on Term
BDO CASH LOAN INTEREST RATE 2025 – Here are the interest rates implemented by BDO Unibank under its personal loan offer based on the term.
You might have already heard about the Personal Loan offer of the BDO Unibank. It is cash loan offer that can attend to you in several needs. However, before applying for the loan, it is best to know all the features of the loan offer including the rates and fees under it.
The BDO cash loan interest rate is an important factor in the offer. In any loan, it is important to check the interest rates prior to the application. Below, you can check the interest rate under the offer as well as the loan fees you must be aware of.
The loan is payable from 6 months up to 36 months. Here is a guide on the BDO cash loan interest rate based on the loan term:
| Tenor | Factor Rate | Monthly Add-on Rate | Effective Rate/Annum |
|---|---|---|---|
| 6 | 0.179667192 | 1.30% | 26.27% |
| 12 | 0.095836960 | 1.25% | 26.63% |
| 18 | 0.068058532 | 1.25% | 26.76% |
| 24 | 0.054167533 | 1.25% | 26.58% |
| 36 | 0.040279967 | 1.25% | 25.98% |
Aside from the BDO Cash Loan interest rate, it is best to check the loan fees implemented by the bank as well. Here are the fees that people who wish to apply for the loan offer must be aware of:
- Processing Fee – ₱1,300 (Deducted from the loan proceeds)
- Penalty Fee – 5% per month of the unpaid amount due
- Documentary Stamp Tax Fee – ₱1.50 for every ₱200 approved loan amount or fraction thereof, whichever is higher. Applicable for approved loan amount greater than ₱250,000 or for business purpose (regardless of the amount)
- Certification Request Fee – ₱100 per request
- Installment Processing Fee – 5% of the outstanding principal balance, or ₱300, whichever is higher. For processing of full payment of outstanding balance before end of payment term.
- Late Payment Fee – A fee imposed on the unpaid principal using the contractual interest rate
The BDO Cash Loan is open for application at any branch of the bank. However, you must bring with you the documents required by the bank in applying for the loan offer. All loan applications are subject to the approval of the bank.
The loan offer is open for both employed and self-employed individuals. There are different lists of requirements for the salaried and non-salaried applicants of the loan offer. You can check the guide below: