Guide on BDO Kabayan Loan 2026 Features & Application
BDO KABAYAN LOAN 2026 – BDO Unibank has crafted an amazing loan offer that overseas Filipino workers (OFW) can turn to in times of cash needs.
Filipinos who are working abroad today have more options when it comes to financial assistance. There are many trusted finance institutions that have crafted offers that were specifically designed for overseas Filipino workers (OFWs).
One of the institutions that OFWs can rely on is the BDO Unibank. It has several branches nationwide and is one of the biggest, most trusted, and most popular bank in the Philippines.
BDO Unibank offers a wide range of financial products for both personal and business needs. Aside from deposit accounts and credit cards, the bank also provides several loan programs.
Among the loan offers of the bank is the BDO Kabayan Loan. It is a multi-purpose cash loan designed specifically for OFWs — whether land-based or seafarers. This loan can be secured (with collateral) or unsecured (without collateral) depending on the applicant’s preference.
How much is loanable under the BDO Kabayan Loan?
The borrowing amount under this multi-purpose cash loan offer depends on whether you choose a secured or unsecured loan:
Unsecured Loan
- Minimum Loanable Amount — ₱10,000
- Maximum Loanable Amount — ₱2 million
Secured Loan
For the secured BDO Kabayan Loan, the loanable amount is based on the CASA or Time Deposit balance:
- For Peso account — up to 90% of the deposit account balance
- For Dollar account — up to 80% of the deposit balance
With regards to the loan terms, the loan is payable in 6, 12, 18, 24, or 36 monthly installments. For contract-based employees, the loan term must align with the contract duration. For open-ended contracts, the maximum loan term allowed is 24 months.
For the interest rates under the BDO Kabayan Loan offer, they vary depending on the loan term and whether the loan is secured or unsecured. See the guide below:
Unsecured Loan
| Tenor | Factor Rate | Monthly Add-on Rate | Effective Rate/Annum |
|---|---|---|---|
| 3 | 0.353337798 | 2% | 35.66% |
| 6 | 0.186667698 | 2% | 40.05% |
| 12 | 0.103336822 | 2% | 41.71% |
| 18 | 0.075560430 | 2% | 41.51% |
| 24 | 0.061669382 | 2% | 40.89% |
| 36 | 0.047778078 | 2% | 39.43% |
Secured Loan
| Tenor | Factor Rate | Monthly Add-on Rate | Effective Rate/Annum |
|---|---|---|---|
| 6 | 0.175067218 | 0.84% | 17.08% |
| 12 | 0.091237975 | 0.79% | 17.07% |
| 18 | 0.063358579 | 0.78% | 17.06% |
| 24 | 0.049471099 | 0.78% | 17.06% |
| 36 | 0.035682596 | 0.79% | 17.06% |
There are varying requirements under the BDO Unibank loan offer. Here’s a guide: