BDO Personal Loan in the Philippines: Requirements and Benefits


When it comes to personal financing solutions in the Philippines, BDO offers a range of options to meet your financial needs. This article provides an overview of the requirements for a BDO Personal Loan, along with the benefits that come with it. Whether you’re a Filipino citizen or a foreign resident, BDO aims to make the loan application process convenient and hassle-free.

Requirements for a BDO Personal Loan:

  1. Citizenship: To be eligible for a BDO Personal Loan, you must be a Filipino citizen or a foreigner who is a resident of the Philippines. BDO extends its services to both local and international applicants.
  2. Age: Applicants must be at least 21 years old at the time of application, with a maximum age of 60 years old upon loan maturity. BDO ensures that the loan tenure aligns with the borrower’s financial circumstances.
  3. Minimum Gross Fixed Monthly Income: BDO sets income thresholds based on different employment categories. The minimum gross fixed monthly income requirements are as follows:
  • Salaried Employees: P120,000
  • Self-Employed: P150,000
  • Professionals: P180,000
  1. Proof of Income: To support your loan application, BDO requires specific documents to verify your income based on your employment type:
  • Salaried Employees: You need to provide your latest 3 months payslip, Company ID, and the latest 12 months Tax Form 2316.
  • Self-Employed: Prepare your latest 12 months Income Tax Return, Business Permit, and the latest 3 months bank statements.
  • Professionals: Provide your latest 12 months Income Tax Return, PRC ID, and the latest 3 months bank statements.
  1. Proof of Identity: To establish your identity, BDO accepts valid government-issued IDs such as a passport, driver’s license, or voter’s ID. Make sure your identification documents are up to date and meet the required criteria.
  2. Proof of Residence: BDO requires documentation to confirm your residential address. You must submit the following:
  • Latest 2 months utility bill, such as electric bill, water bill, or cable bill.
  • Latest 2 months rent receipt if you’re a tenant.

Please note that these requirements serve as a general guideline, and the actual documents needed may vary based on your individual circumstances. For more precise information, it is advisable to visit your nearest BDO branch or contact BDO Customer Service at (+632) 8631-8000.

Benefits of a BDO Personal Loan:

  1. Convenient and Easy Application Process: BDO understands the importance of a smooth application process. With user-friendly procedures and knowledgeable staff, obtaining a BDO Personal Loan is a hassle-free experience.
  2. Competitive Interest Rates: BDO offers competitive interest rates, ensuring that borrowers receive favorable loan terms. By comparing different loan options, you can select the loan with the most favorable interest rate and repayment plan.
  3. Flexible Repayment Terms: Recognizing that individuals have diverse financial situations, BDO provides flexible repayment terms. This allows borrowers to choose a repayment plan that aligns with their budget and financial goals.
  4. Convenient Loan Proceeds Disbursement: Once your loan application is approved, BDO ensures convenient and swift loan proceeds disbursement. This allows you to access the funds you need promptly, enabling you to address your financial requirements without delay.


If you are considering a personal loan in the Philippines, BDO Personal Loan is a viable option to explore. By understanding the requirements and benefits associated with BDO’s offering, you can make an informed decision that best suits your financial needs.

Remember to compare different loan options and select the one that provides the most favorable terms and conditions for you. To get started, visit your nearest BDO branch or contact BDO Customer Service at (+632) 8631-8000.

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CashLoanPH Changed status to publish 24/05/2023