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Top Personal Loans for Freelancers and Self-Employed in 2026
Compare the best personal loan options available this summer.
Quick Picks
Best overall: RCBC Pasado Loan.
Best for freelancers: SB Finance Personal Loan.
Lowest monthly rate: UnionBank Personal Loan.
Loans for Freelancers and Self-Employed
Freelancers and the self-employed often face challenges when securing traditional loans. However, several lenders offer products tailored to this group, providing flexibility and accessibility where it's needed most.
SB Finance Personal Loan
Designed with freelancers in mind, the SB Finance Personal Loan offers up to ₱3 million without collateral. Its high accessibility makes it attractive for those typically overlooked by major banks, though the higher APR of ~39.43% is a consideration.
CTBC Bank Salary Stretch Personal Loan
CTBC Bank's Salary Stretch Loan is a strong contender for those needing competitive rates without upfront processing fees. It's especially appealing for salaried and self-employed individuals who value flexible disbursement options.
BPI Personal Loan
For existing BPI clients, this personal loan offers a seamless experience with competitive rates starting at 1.20% monthly. It's a solid choice for leveraging existing banking relationships to secure favorable terms.
If you're seeking higher loan amounts or longer terms, the next set of options may better suit your needs.
High Loan Amount and Long Term Options
Some borrowers need the security of a larger loan or extended repayment terms. Here are the best picks for those needs.
RCBC Pasado Loan
RCBC Pasado Loan shines with a wide range of loan amounts up to ₱5 million and flexible repayment terms up to 60 months. It's well-suited for borrowers needing substantial funding and extended terms.
UnionBank Personal Loan
UnionBank stands out with the lowest monthly add-on rate at 1.26%, ideal for those prioritizing cost efficiency. Its digital application process is a bonus for tech-savvy borrowers.
As we wrap up, consider your priorities—whether it's the lowest rate or the highest loan amount, these options cater to diverse needs. Speaking of budget picks, we went deep on ingredient lists in The Truth About Personal Loans: What to Consider This June — worth a read if you want the full breakdown.
