BPI Cash Loans

BPI Cash Loan is a type of personal loan service that provides its borrowers access to a certain amount of cash so that they can pay for the purpose with which they need the cash in the first place. Applying for this kind of loan may be utilized for home renovation, travel to your dream destination, starting your own business, etc.

BPI Cash Loan application process is completed only within 5 to 7 working days upon receipt of complete documents from the borrower. Once approved, the loan proceeds will be credited to the applicant’s account within 1 to 2 banking days from the date of approval or signing.

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Written by: Big Piggyy


Bank of the Philippine Islands

Avail of low interest rates with BPI. Do not miss this offer.

Types of BPI Cash Loans


There are three different types of Cash Loans available with BPI: Personal Loan, Seafarer Loan and Salary Loan. 


BPI Personal Loan

The personal loan is designed to help loan applicants in materializing their financial goals. Be it for home renovation, education, business, travel, or other personal reasons. 


Loan Features

  • Loan Amount: Php 20,000 up to Php 2,000,000
  • Loan Tenure: 12months  to 36 months
  • Monthly Add-on Rate: 1.2%


Seafarer Loan

Seafarer Loan is specifically designed to help the sea-based Overseas Filipino Workers (OFW) overcome temporary financial difficulties to address their needs as well as their loved ones back home. 


Loan Features

  • Loan Amount: Up to Php 300,000
  • Loan Tenure: 12 months to 36 months
  • Monthly Add-on Rate: 1.5%


Salary Loan

This facility is available to employees whose employers are accredited partners of BPI thereby allowing them to take advantage of higher loanable amounts, better interest rates and more flexible payment terms. 


Loan Features

  • Loan Amount: Php 10,000 up to Php 1,000,000
  • Loan Tenure: 12 to 36 months


Benefits of BPI Cash Loans


High Loanable Amount

BPI offers a minimum of Php 20,000 up to Php 2,000,000 loan amount for its regular applicants. 


Flexible Loan Tenure

Applicants may pay back their initial loan amount and any other additional fees (if deemed necessary) for 12, 18, 24, 30, or 36 months.


Collateral-free Loan

Embrace the benefit of getting a loan under BPI with no collateral.


Convenient Mode of Payment

All payments for your loan may be processed online through the Automatic Debit Arrangement (ADA) facility. 


General Application Requirements


For Employed:

  • Valid Philippine government-issued, photo-bearing ID with signature
  • Payslips for the last three (3) months or latest Income Tax Return (ITR) BIR Form 2316


For Self-employed:

  • Valid Philippine government-issued, photo-bearing ID with signature
  • Latest Audited Financial Statements (3 years) or Income Tax Return
  • DTI/SEC Business Registration Certificate


List of Valid Government-issued IDs accepted by BPI

  • Passport
  • Voter’s ID
  • Taxpayer Identification Number (TIN)
  • Social Security System (SSS) card
  • Overseas Filipino Worker (OFW) ID
  • Senior Citizen card
  • Driver’s License
  • Professional Regulatory Commission (PRC) ID


How to avail a BPI Cash Loan?


  1. Visit the website of BPI and select your preferred type of cash loan.
  2. Fill out the online loan application form.
  3. Upon successful submission, kindly wait for an email to confirm that your application has been successfully received. Should you fail to receive a message from your inbox, check your spam folder.
  4. Submit your income documents or application requirements to [email protected].
  5. An SMS notification will be sent to you in order to monitor the status of your loan application.


Bank of the Philippine Islands

Avail of low interest rates with BPI. Do not miss this offer.




To obtain a sufficient amount of money for your wants and needs is, nowadays, no longer difficult. With a lot of digital banking and convenient loan services at hand — just like how BPI provides its cash loans — worrying about financing your dreams is now just next to your principal concerns. Not only could BPI Cash Loans lend Filipinos a certain amount of cash but also extend a hand to help them ease their financial burden which limits their life goals.

Big Piggyy

"Show me the MONEY!!!" – Jerry Maguire

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