List of BPI Cash Loan Requirements 2026 for Application
BPI CASH LOAN REQUIREMENTS 2026 – Self-employed individuals who want to apply for the Bank of the Philippine Islands loan offer should submit the following.
Are you a self-employed individuals who is in need of an access to cash? You don’t have to worry over the thought that most loans may only qualify the salaried individuals. There are excellent offers out there which are open for self-employed individuals. Among these offers are the loans provided by the Bank of the Philippine Islands (BPI).
BPI is one of the longest-serving banks in the country. Through the years, it has earned the trust of millions of Filipinos not only in the country but worldwide. It has several offers from savings and checking accounts to loans to credit cards to investment products and a lot more.
One of the loans offered by BPI is the Personal Loan or also called the cash loan offer. Among the loan offers of the bank, it is the one that is most flexible with regards to the purposes it may cater for application.
You may apply for the loan to travel, to host an event, to make a personal purchase, etc. The loan offer is not only open for the employed individuals but as well as the self-employed ones. There are varying BPI cash loan requirements for application.
Before checking on the BPI cash loan requirements for application, it is important to ensure that you are qualified to apply for the loan offer. To be eligible to apply for the loan offer, the client should meet the following qualifying criteria for application:
- a Filipino citizen
- 21 years old and above upon the loan application filing
- 60 years and below upon the date of the loan maturity
- the borrower must be the owner or the majority stockholder with at leat 40% stake in the business and earning a gross monthly income of at least P50,000 per month. Furthermore, the business must be in a profitable operation for at least two (2) years already with one (1) trade reference.
The Bank of the Philippine Islands has set a unique list of BPI cash loan requirements for the self-employed individuals who want to apply for the loan offer. You need to prepare and submit the following to the bank:
- duly-accomplished and signed BPI Personal Loan Application Form
- one (1) government-issued ID bearing photo of borrower
- latest audited financial statements
- Department of Trade and Industry (DTI) Business Registration or
- Securities Exchange Commission (SEC) Registration Certificate
You need to present a valid ID as part of the BPI cash loan requirements in applying for the loan offer. Here is a guide on the documents that you may choose from:
- Passport
- Professional Regulatory Commission (PRC) ID
- Driver’s License
- Postal ID
- Voter’s ID
- Government Service Insurance Sysytem (GSIS) e-Card
- Taxpayer Identification Number (TIN)
- Social Security System (SSS) card
- Overseas Workers Welfare Administration (OWWA) ID
- Senior Citizen card
- Government office and Government-owned and Controlled
- Overseas Filipino Worker (OFW) ID
- ID issued by the National Council on Disability Affairs
- Corporation (GOCC) ID (e.g., Armed Forces of the Philippines (AFP), Home Development Mutual Fund (HDMF) IDs)
- Integrated Bar of the Philippines (IBP) ID
- PhilHealth Health Insurance Card ng Bayan
- Company IDs issued by private entities or institutions registered with or supervised or regulated either by the Banko Sentral ng Pilipinas (BSP), Securities and Exchange Commission (SEC) or Insurance Commission (IC)
- National Bureau of Investigation (NBI) Clearance
- Barangay Certification
- Police Clearance
- Alien Certificate of Registration / Immigrant Certificate of Registration (notapplicable for Housing Loan)
- PhilSys Digital ID
- Department of Social Welfare and Development (DSWD) Certification
- Seaman’s Book
- Printed ePhilID
- Professional ID cards issued by Maritime Industry Authority (MARINA)
The Bank of the Philippine Islands implements a few charges which apply on a case-to-case basis. Kindly take note of the following:
- one-time processing fee — Php 1,500 (to be deducted from the loan proceeds)
- Documentary Stamps Tax — Php 1.50 for every Php 200.00 for loans above Php 250,000 or loans for business purposes
The bank also has the BPI Auto Loan offer.