RCBC’s personal loan: your bridge to realizing dreams

Personal loans with flexibility and advantageous conditions.

RCBC’s personal loan: your bridge to realizing dreams

Eligibility Requirements:

  • Be a Filipino citizen or have dual citizenship.
  • Be between 21 years at the time of application and up to 65 years at loan maturity.
  • Possess a mobile phone number, residential landline, or office landline.
  • For employees: minimum of 2 years of employment and gross monthly income of at least Php30,000.
  • For self-employed individuals: business operating in the Philippines for at least 3 years, profitable in the last 2 years, and minimum gross monthly income of Php100,000.

Loan application steps:

  • Tap the button below.
  • Fill out RCBC’s personal loan application form.
  • Gather the necessary documents: for employees, latest COE or ITR and 2 valid IDs; for self-employed individuals, business papers and ITR or audited financial statements.
  • Submit the form and documents at an RCBC branch or through the official website.
  • Wait for credit analysis and approval.
  • Once approved, sign the loan contract and receive the funds in your account.

Frequently asked questions:

How long does it take to get approved for an RCBC loan?

Approval time may vary, but it is generally completed within a few business days after submission of all required documents.

Is it required to explain why credit is being used?

It is not strictly necessary, but it may be requested during the credit evaluation process to determine the suitability of the loan for your needs.

Do I need to have a good credit score to be approved for an RCBC loan?

A good credit history improves your chances of approval, but each case is evaluated individually.

Can I apply for a loan if I am self-employed?

Yes, self-employed individuals can apply as long as they meet specific eligibility criteria, such as operating a profitable business in the Philippines for at least three years.