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Here’s what you need to know about the BDO Kabayan Personal Loan.

BDO KABAYAN PERSONAL LOAN – Here’s what every Overseas Filipino Workers (OFWs) must know about the BDO Kabayan Personal Loan – Secured.

The BDO Kabayan Personal Loan – Secured is designed for clients who are working abroad. It has peso or dollar time deposit and peso or dollar savings account.


  • Must be an OFW with an overseas working experience of two to three consecutive years with a minimum salary of Php 10,000.00 per month.
  • Domestic helpers, seaman or unskilled workers must be Filipino as a required citizenship.
  • At least one landline at your residence or business.
  • The minimum deposit requirement is P15,000 or its dollar equivalent.


Flexible loan amounts

  • Minimum of P10,000

For Secured:

  • For Peso account, maximum of 90% of the deposit account balance
  • For Dollar account , maximum of 80% of the deposit account balance; the prevailing buying rate shall be used to determine peso equivalent.

Fixed monthly payments – pay the same amount every month with any of the following flexible payment terms:

  • 3 months (for Unsecured)
  • 6 months
  • 12 months
  • 18 months
  • 24 months
  • 36 months


  • Automatic Debit Arrangement Form (signed by OFW)
  • Authorization letter for beneficiary (signed by OFW)
  • Information form of the beneficiary; and others to be required during credit evaluation

***Approval duration usually takes one to two weeks.
***BDO does not impose penalties for early settlement or late payment, however, for good credit, you must diligent in paying on time.


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Source: BDO / OFW Community

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