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May 23, 2026: SB Finance vs CTBC Bank: Which Personal Loan Fits Your Needs?

Deciding between SB Finance and CTBC Bank for your personal loan? We break down the key differences in rates, fees, and eligibility to help you make the best choice.

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BDO Personal Loan
Personal

APR
25.98–26.76%

Amount
₱10k–₱2M

Term
6–36mo
- Minimum gross monthly income ₱15,000
- At least 2 years with current employer
- Valid government-issued ID
5-7 banking days
Check rates →
Tonik Quick Loan - Fast Digital Personal Loans
Personal

APR
—

Amount
₱5k–₱50k

Term
6–12mo
- Filipino citizen 21-55 years old
- Tonik bank account holder
- Minimum credit score
Instant in-app
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CTBC Bank Salary Stretch Personal Loan
Personal

APR
—

Amount
₱20k–₱2M

Term
6–36mo
- Salaried employee
- Minimum gross monthly income ₱15,000
- At least 1 year with current employer
within 5 banking days
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SB Finance Personal Loan
Personal

APR
39.43%

Amount
₱30k–₱3M

Term
12–36mo
- Minimum gross monthly income ₱12,000 (₱15,000 Metro Manila)
- Filipino citizen 21-60 years old
- Employed or self-employed
1-3 business days
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RCBC Pasado Loan
Personal

APR
19.0–34.0%

Amount
₱20k–₱5M

Term
3–60mo
- Minimum gross monthly income ₱15,000
- Employed or self-employed
- At least 2 years work experience
fast processing
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Metrobank Personal Loan
Personal

APR
25.98–36.74%

Amount
₱20k–₱2M

Term
12–36mo
- Minimum gross monthly income ₱15,000
- At least 2 years with current employer
- Valid government-issued ID
7 banking days
Check rates →