How to apply for Metrobank personal loan
How to apply for Metrobank personal loan begins with preparation and understanding the steps. Metrobank offers Filipinos a reliable, accessible path to personal financing.
This process leverages online tools, a mobile app, and widespread branch networks.
Start by organizing essential documents, then choose your preferred channel—online, app, or in person.
Metrobank supports applicants with multiple contact points for clarity at every stage. Whether you’re covering education, emergencies, or personal projects, knowing how to apply makes the process smoother.
This guide shows detailed requirements, application methods, customer support options, and what to expect from approval to repayment.
Eligibility & Required Documents
First, ensure eligibility. You must be a Filipino citizen aged 21–65 at maturity. Stable income—either salaried or self-employed—is required.
Prepare these documents:
- Government-issued ID (e.g., passport, UMID, driver’s license)
- Promissory Note and Disclosure Statement (PNDS)
- Proof of income: payslips or certificate of employment; ITRs or bank statements for self-employed
- Proof of billing for address verification
Submitting complete documents lightens the evaluation process.
How to Apply: Online, App, or Branch
Metrobank offers three application options:
- Online via website – Visit Metrobank’s official site to fill out the form and upload documents conveniently.
- Mobile app (iOS & Android) – Download Metrobank’s app to apply, upload files, and track your application using your phone.
- In-branch – Visit the nearest Metrobank branch for face-to-face guidance on form filling and document requirements.
Each channel follows the same process. Choose the one that suits your situation best.
Contact Channels & Branch Locator
For support:
- Hotline: (02) 88‑700‑700 or toll-free 1‑800‑1888‑5775
- Email: [email protected]
- Online chat: available on Metrobank’s website for quick queries
To locate a branch, use Metrobank’s branch locator tool—ideal for finding the nearest location for assistance or submission.
Processing & Approval Timeline
Once submitted, Metrobank processes your file within seven business days. The bank reviews your income, credit profile, and documentation. Expect possible follow-up requests for missing items.
Upon approval, funds go directly into your Metrobank account, which may be opened for you if you don’t have one.
You’ll receive a repayment schedule via email or in the app. Always monitor your messages for updates to stay informed.
Repayment Details, Fees & App Tracking
You can monitor your loan using Metrobank’s app or online banking.
Monthly payments are automatically deducted based on your agreed schedule. Watch out for fees:
- Disbursement fee: PHP 1,500
- Documentary Stamp Tax (for higher loans)
- Late payment fee: PHP 850 per missed installment
- Pre-termination fee: higher of 5 % or PHP 550
You’ll view your repayment details and due dates through the app, helping you avoid missed payments.
Why This Loan Works for Original Filipinos
Metrobank’s personal loan offers:
- No collateral needed
- Flexible terms spanning 12 to 36 months
- Use for emergencies, tuition, renovations, debt consolidation, or other priorities
- Multiple submission channels fitting different lifestyles
- Transparent fees and repayment terms
This product suits many Filipinos—from OFWs to professionals and small business owners—because it respects diverse needs without adding complexity.
Your Next Step
Now that you know how to apply for Metrobank personal loan, your next step is clear.
Prepare your documents, decide your preferred channel—online, through the app, or in-branch—and go ahead with confidence.
Metrobank’s support channels will guide you if questions arise. Once approved, track your repayment using digital tools to stay on top.
By following this procedure, you access a flexible financial option rooted in clarity and service.
Your financial needs are valid, and Metrobank provides one of the most direct paths to meet them.
Begin today—empower yourself with knowledge, support, and dependable banking.
Frequently Asked Questions
- Can I apply using the Metrobank mobile app?
Yes. You may apply for Metrobank personal loan using the official mobile app available on both iOS and Android platforms. - How long is the processing time?
Processing typically completes within seven business days, depending on document completeness and evaluation. - What are the fees involved?
Standard fees include PHP 1,500 disbursement, documentary stamp tax for higher loans, PHP 850 late fee, and a pre-termination fee of 5 % or PHP 550, whichever is higher. - Do I need to visit a branch?
No. You can apply online or via the mobile app. Visiting a branch is optional and helpful for in-person support. - How do I monitor my repayment schedule?
Track your loan via Metrobank’s app or online banking to view payment dates and amounts due.