Guide on BDO Cash Loan Requirements 2026 for Application
BDO CASH LOAN REQUIREMENTS 2026 – For self-employed Filipinos and professionals who want to apply for the Personal Loan offer of BDO Unibank, here are the documents required by the bank.
In the Philippines, one of the most trusted banks that is serving millions of Filipinos both locally and abroad is BDO Unibank. With more than 1,800 branches nationwide, its services are easily accessible to people across the country.
BDO offers a wide range of financial products including bank accounts, loans, credit cards, and investment options. Among its most helpful and sought-after offers is the Personal Loan. It is a multi-purpose cash loan that can be used for:
- Personal purchases
- Travel
- Car repairs
- Payment of educational or school fees
- Event hosting
This loan comes with a competitive interest rate which begins at just 1.25% monthly add-on. It is available not only to locally-employed individuals but also to self-employed individuals and practicing professionals.
Under this loan offer, borrowers can apply for up to ₱2 million. The repayment terms are flexible and they range from 6, 12, 18, 24, or 36 months depending on the applicant’s preference and age at the time of the loan application.
The BDO Cash Loan requirements differ among salaried and non-salaried applicants. For self-employed individuals or professionals who want to apply for the loan offer, the following documents must be prepared and submitted to the bank:
- Completed and signed BDO Personal Loan Application Form
- Any of the following government-issued IDs:
- Preferred IDs – Driver’s License, Philippine Passport, TIN ID, SSS ID, GSIS eCard
- Other acceptable IDs – UMID Card, PhilSys ID, Voter’s ID, Postal ID, PRC ID, PhilHealth ID
- Copy of Employment Contract or Certificate of Employment
- Letter from the Embassy (for Embassy Officials)
- Proof of income (any of the following):
- Latest Income Tax Return duly stamped as received by the Bureau of Internal Revenue (BIR) and Audited Financial Statements for the last two (2) years (mandatory)
- Registration of Business Name (mandatory)
- For single proprietorship – issued by the Department of Trade and Industry (DTI)
- For partnerships or corporations – issued by the Securities and Exchange Commission (SEC)
- Latest three (3) months bank statement (optional)
To ensure a smooth application process, once all the BDO Cash Loan requirements are complete, you may visit the nearest BDO Unibank branch to submit your application. As mentioned, the offer is also open for foreign nations. There is a unique set of BDO cash loan requirements for foreigners.