CIMB Bank Philippines holds a ClearLoan PH Risk Score of 76/100 — the third highest among Philippine loan apps. As a BSP-licensed digital bank, CIMB offers REVI Credit personal loans with same-day approval, APR starting at 23.8%, and up to ₱150,000. This 2026 review covers everything you need to know.
- →Risk Score: 76/100 — third highest rated loan app in the Philippines
- →BSP-licensed digital bank — strong consumer protection
- →REVI Credit APR: 23.8% to 30.6% depending on term
- →Maximum loan: ₱150,000 | Minimum: ₱30,000
- →Same-day approval for qualified applicants
CIMB REVI Credit at a Glance — 2026
| Feature | Details |
|---|---|
| Legal Entity | CIMB Bank Philippines, Inc. |
| BSP License | Digital Bank License |
| ClearLoan PH Risk Score | 76/100 — HIGH SAFETY |
| Product Name | REVI Credit Personal Loan |
| APR Range | 23.8% – 30.6% per annum (reducing balance) |
| Loan Amount Range | ₱30,000 – ₱150,000 |
| Loan Term | 6 – 24 months |
| Approval Speed | Same day for qualified applicants |
| Payslip Required | Yes — for employed applicants |
| Minimum Monthly Income | ₱15,000 gross |
| Disbursement | CIMB account or bank transfer |
| Prepayment Penalty | None |
CIMB REVI Credit Rates and Fees — 2026
CIMB uses reducing balance interest — the stated APR is the effective rate.
| Loan Amount | 6 Months | 12 Months | 18 Months | 24 Months |
|---|---|---|---|---|
| ₱30,000 – ₱50,000 | 23.8% APR | 25.2% APR | 27.6% APR | 30.6% APR |
| ₱50,001 – ₱100,000 | 23.8% APR | 24.8% APR | 26.4% APR | 28.8% APR |
| ₱100,001 – ₱150,000 | 23.8% APR | 24.4% APR | 25.6% APR | 27.2% APR |
CIMB REVI Credit Eligibility Requirements
- Filipino citizen, 21–65 years old at application
- Minimum gross monthly income: ₱15,000
- Employed (regular/permanent) or self-employed with 2+ years in business
- Valid government-issued ID
- Active mobile number for OTP verification
- Clean credit history — no defaults in the past 2 years
- Self-employed: BIR ITR and business registration documents required
CIMB REVI Credit: Pros and Cons
- PRO: BSP-licensed digital bank — strong consumer protection (Risk Score 76/100)
- PRO: Same-day approval — faster than Tonik Bank
- PRO: No prepayment penalty
- PRO: Fully digital application — no branch visit
- PRO: Lower income threshold than some banks
- CON: Higher APR than Tonik Bank (23.8% vs 15.2%)
- CON: Lower maximum loan amount than Tonik (₱150,000 vs ₱250,000)
- CON: Minimum loan of ₱30,000 — not suitable for small emergency amounts
- CON: Payslip required — not suitable for informal workers
CIMB vs Tonik vs Maya — Which Should You Choose?
| Feature | CIMB REVI Credit | Tonik Bank | Maya GLoan |
|---|---|---|---|
| Risk Score | 76/100 | 81/100 | 74/100 |
| APR (starting) | 23.8% | 15.2% | 36.0% |
| Max Loan | ₱150,000 | ₱250,000 | ₱80,000 |
| Approval Speed | Same day | Hours to 1 day | 1–24 hours |
| Payslip Required | Yes | Yes | No |
| Min Income | ₱15,000 | ₱15,000 | None (wallet-based) |
| Best For | Faster approval than Tonik; mid-range amounts | Lowest rate; largest amount | No payslip; instant approval |
Frequently Asked Questions
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Disclaimer: ClearLoan PH provides financial information for comparison purposes only. We are not a lender, bank, or financial advisor. APR figures, Risk Scores, and SEC registration status are verified at the time of publication but may change. Always verify directly with the lender before applying. Some links on this page may be affiliate links.
