You can use our multi-purpose Personal Loan to pay for essential expenses, education, business expenses, or any other cash expense. Consider our personal loan as a safety net in times when you need that financial boost.
P20,000 to P2,000,000
6 to 36 Months
Monthly Add-On Rate*
1.39% - 1.89%
5 to 7 banking days
* Rates shown are indicative only and may change upon approval.
* Junrix E-Services will never ask you to pay a facilitation fee for your application. If you receive a call, SMS, or email asking you to pay a facilitation fee, do not engage.
◼️ Don’t put your plans on hold
Our Personal loan is specifically tailored to make your dreams come true
◼️ No collateral required
Get your desired cash without worries
◼️ Flexible loanable amount
Borrow anywhere from P20,000 to P2,000,000
◼️ Approval within 5 banking days
Application only takes 10 minutes, and you can get approved in as fast as 5 days!
Completely Filled out and signed application form.
One (1) valid government-issued photo ID
One (1) Company ID
Income Documents, All of the following:
▪️ Latest Certificate of Employment and Compensation (Required for BPO/ CALL CENTER/ Banking/ Selected companies)
▪️ Latest three (3) months pay slips
▪️ Latest ITR (Supporting Docs- Preferred but not required)
▪️ Two (2) valid government-issued photo ID
▪️ Latest 1-year Audited Financial Statement (AFS) with at least the previous year’s comparative financials
▪️ SEC Registration / DTI Certificate
▪️ Business Permit / Mayor’s Permit
▪️ Latest three (3) months bank statements
▪️ Latest GIS (if corporation)
▪️ List of 3 trade references (at least 1 supplier and 2 customers) with contact details.
Must be with the current company for at least six (6) months on a regular / permanent status. 3 years employed for Call Center Employees.
For Metro Manila: PHP25,000
For outside Metro Manila: PHP20,000
For BPO/CALL CENTER employees : PHP25,000
No, all services on Junrix E-Services are FREE because we are self-financed via other means of revenue generation. Your loan application through Junrix E-Services would be identical in every way to if you were to take a loan directly with the bank.
In Philippines, loan periods differ depending on factors such as financial standing of the applicant as well as the choice of bank and banking product. At Junrix E-Services, we operate only within the policies set up by the banks, and are not authorised to extend or shorten loan periods beyond the dictated terms.
Just like loan period, we operate only within the policies set up by the banks. As such, all interest rates displayed on www.junrix.com shall be considered final unless a different agreement is struck between you and the bank at a latter date.
In Philippines, your ability to secure a loan is affected by your credit ratings with the banks as well as your financial state as indicated in financial data systems such as Transunion. Whilst you are welcomed to submit enquiries and applications through Junrix E-Services any time, it is recommended that you proceed to check your ratings with your bank if you've experienced several cases of rejected applications.
Generally, we recommend a waiting period of six months before you attempt to apply for a loan with the same bank again. However, you might wish to consider applying for a loan with another bank with terms that match your financial standing. Meantime, we also advise that you clear out any outstanding financial status that might be hindering your chances of getting a loan. For more information, please check with your bank.
Different banks have different terms but generally, the minimum age to be eligible for a loan is 21 years of age in Philippines. For the latest terms and information, please proceed to our Personal Loan pages.
To maximize your chance of approval, you are advised to have at least three documented salary pay slips (i.e. 2 years in the workforce) before you apply for a loan.