Guide on the BDO Cash Loan Interest Rate 2026 Based on Term
BDO CASH LOAN INTEREST RATE 2026 – You can check here the interest rates implemented by BDO Unibank under its personal loan offer.
The BDO Unibank is not only one of the most popular banks in the country but as well as one of the most trusted. It has a wide range of offers that has already helped countless Filipinos in different situations — achieving goals, meeting medical emergencies, expanding a business, etc.
In fact, countless Filipinos are avid clients of BDO Unibank. Its services are well sought not only the Filipinos in the country but as well as abroad. Aside from the BDO Kabayan Loan offer which was designed for the overseas Filipino workers (OFWs), the bank also has the Personal Loan offer that is open for locally-employed and self-employed individuals. It comes with low BDO cash loan interest rates which you can check below.
The BDO cash loan interest rates depend on your chosen loan term. You may repay the loan from six (6) months up to 36 months or three (3) years. Here is a guide on the interest rate implemented by the banking giant 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% |
The important information that every aspiring loan applicant should know does not only include the BDO cash loan interest rate but as well as the fees and charges under the Personal Loan offer. The following may be applied on your loan:
- 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
You may apply for the BDO Personal Loan at any branch of the bank nearest to you. To ensure a smooth application process, prepare the requirements before heading to a BDO branch for the application. The documents required by the bank vary among the locally-employed and self-employed applicants and here’s a guide: