All personal loans and loan apps in the Philippines are unsecured — meaning you don't need to pledge property, a vehicle, or any asset as collateral. Your creditworthiness is assessed through your income, ID, and credit history instead. Here are the best no-collateral loan options in 2026.
| Lender | Type | Risk Score | Real APR | Max Loan | Collateral | Details |
|---|---|---|---|---|---|---|
| Tonik Bank | Digital Bank | 81 | 26.4% | ₱250,000 | ✓ None | View → |
| CIMB REVI | Digital Bank | 76 | 24.0% | ₱1,000,000 | ✓ None | View → |
| Maya GLoan | E-wallet | 74 | 29.2% | ₱125,000 | ✓ None | View → |
| BPI Personal Loan | Bank | 88 | 25.6% | ₱2,000,000 | ✓ None | View → |
| Security Bank | Bank | 85 | 24.0% | ₱2,000,000 | ✓ None | View → |
| GCash GLoan | E-wallet | 68 | 32.8% | ₱125,000 | ✓ None | View → |