List of BPI Personal Loan Requirements 2026 for Application
BPI PERSONAL LOAN REQUIREMENTS 2026 – If you are locally-employed, here are the documents you will need in applying for the offer of the Bank of the Philippine Islands.
Many Filipinos are locally-employed. Truth be told that in most cases in the Philippines, the salary is low. Thus, countless individuals are faced with a constant challenge to make ends meet with the little that they earn. Unfortunately, in this case, an unexpected financial need such as for medical emergencies may not be part of the budget.
Meanwhile, there are entities that are ready to financial multiple financial needs — one of them is the Bank of the Philippine Islands. More popularly called as BPI, it got the Personal Loan offer aside from the BPI Housing Loan. It is open for both salaried and non-salaried individuals and you can check the requirements below.
You may apply for the BPI Personal Loan to meet a medical emergency, get your car repaired, pay for your kids’ tuition, etc. You may also apply for it for leisure such as financing your travel, boosting your business, making a huge purchase, etc.
Before checking on the BPI Personal Loan requirements you will need, it is best to check first the eligibility criteria set under the offer. Here are the qualifications:
- a Filipino citizen
- 21 years old and above upon the loan application filing
- 60 years and below upon the date of the loan maturity
- proof of income:
- the loan applicant must have a minimum gross income of P20,000 per month.
To ensure that your loan application is hassle-free, it’s essential to prepare all the BPI Personal Loan requirements in advance. For applicants who are locally employed, the following are the documents that you need to submit:
- duly-accomplished and signed BPI Personal Loan Application Form
- one (1) government-issued ID bearing photo of borrower
- three (3) months worth of pay slips in original copies
- latest Income Tax Return (BIR Form 2316)
Part of the BPI Personal Loan requirements set by the Bank of the Philippine Islands (BPI) is a proof of identity. Make sure that you present a valid I.D. Here are 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)
It is important to take note of the following charges set under the Personal Loan offer:
- 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
You might also like to check the details of the bank’s BPI Car Loan offer.