Mejor maya bank — online loans

<table><tbody><tr><td>✔️ Loan amount préstamo:</td><td>₱1,000 — ₱50,000 </td></tr><tr><td>✔️ Interests:</td><td>from 0%</td></tr><tr><td>✔️ Term préstamo:</td><td>up to 12 months</td></tr><tr><td>✔️ Borrower age préstamo:</td><td>20 — 70 years</td></tr></tbody></table>

Maya Bank Personal Loan - Up to 250,000 PHP instantly Philippines

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Maya Bank

₱15,000 — ₱250,000

from 6 up to 24 months

Monthly EIR 1.40%

21 — 65 years

Address and contacts

Maya Bank, Inc.

Phone: +632 8845 7777, 1800 1084 57777

Website: https://www.mayabank.ph/personal-loan/

Personal Loan Philippines to Maya Wallet:

Amount from 15,000 up to 250,000 PHP
Terms from 6 up to 24 months
Loan in Maya Wallet instantly
Monthly add-on rate 0.77% - 0.83% (effective interest rate 1.39% - 1.4% per month) *
Pay up to 24 monthly installments

Requirements:

You are at least 21 to 65 years old.
You are a Filipino resident.
You have an upgraded Maya account.
You’ve been actively using your Maya account for transactions and purchases.

How do I apply for Maya Personal Loan?

Visit the Loans tab in the Maya app
Tap Apply for a Loan in the Maya Personal Loan banner
View the introduction screen and tap Continue
Provide desired loan details in the loan calculator screen
Input and validate your personal information then tap Submit
Review and confirm your loan amount, interest rate, and repayment terms
Enter a One-Time Pin (OTP) to authorize the loan disbursement
Receive your loan through your Maya Wallet instantly

*Add-on rate applies to a 24-month installment period. Terms and conditions apply.

Maya Personal Loan is a digital personal‑loan product offered by Maya Bank (through the Maya app), giving Filipino residents quick access to unsecured cash loans without leaving home. The loan is fully integrated into the Maya Wallet, so once approved, funds are transferred instantly and can be used nationwide for bills, emergencies, home‑related costs, or business‑related expenses. The product is designed for borrowers who already use Maya regularly and prefer a bank‑backed, transparent lending option.

You can apply for Maya Personal Loan amounts from about PHP 15,000 up to a maximum of PHP 250,000, depending on your credit profile. The exact amount you qualify for is determined by factors such as your monthly income, repayment history with Maya, and overall financial behavior inside the app. The offer is shown directly in the Loans dashboard, so you see the specific amount and terms before accepting.

Maya Personal Loan uses an add‑on interest system, with rates starting as low as about 0.77%–0.83% per month, which translates to a roughly 1.40% effective monthly rate depending on the term. Repayment can be spread over up to 24 months, allowing you to choose a plan that fits your budget. The app includes a loan calculator so you can see your monthly payment, total interest, and the full amount payable before you confirm.

To qualify for Maya Personal Loan, you generally must be 21–65 years old, a Filipino citizen, and living in the Philippines. You also need an upgraded Maya account and must be an active Maya user, meaning you regularly send money, pay bills, or shop using the app. These requirements help Maya evaluate your financial behavior and extend loans only to users it considers creditworthy.

Approval is usually very fast because the product is fully digital and integrated into the Maya app. After you submit your application, Maya runs a quick credit check and then sends you a personalized loan offer within minutes. If you accept the terms, the full loan amount is transferred instantly to your Maya Wallet, so you can start using the funds right away without waiting for bank transfers or physical checks.

Applying is done entirely inside the Maya app: go to the Loans tab, tap Apply for a Loan on the Maya Personal Loan banner, then follow the steps to set your desired loan amount and repayment term. You will be asked to review your personal information, confirm the loan offer, and enter an OTP (one‑time PIN) to authorize disbursement. Once you tap Accept, the money lands in your Maya Wallet immediately.

For Maya Personal Loan, you usually do not need to upload physical documents or scans of payslips, unlike many traditional banks. Maya relies on your in‑app transaction history and account‑activity data to assess your profile, so being an active user helps your chances. However, all information you provide must be accurate, and Maya may still verify identity and income indirectly through your usage patterns.

Maya Personal Loan is an unsecured personal loan, which means you do not need to put up a house, vehicle, or other assets as collateral. The bank bases approval on your credit evaluation within Maya, including your transaction behavior and repayment record. This makes it convenient for borrowers who want quick cash without pledging property.

Repayment is handled through your Maya account, with monthly installments automatically deducted from your Maya Wallet or linked payment method, depending on how you set it up. The app shows your amortization schedule, including due dates and the amount due each month, so you can plan your cash flow. You can also pay ahead of the schedule if you wish to reduce interest or clear the loan faster.

Pros

Low Monthly EIR

Cons

Borrower must be 21 to 65 years old

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TERM	10 days	20 days	30 days	60 days	180 days
LOAN AMOUNT	₱250000	₱250000	₱250000	₱250000	₱250000
APR	143%	143%	143%	143%	143%
INTEREST AMOUNT	₱9651.52	₱19446.04	₱29240.6	₱58624.12	₱176158.37
TOTAL REPAYMENT	₱259651.52	₱269446.04	₱279240.6	₱308624.12	₱426158.37

Maya Bank — loans online in Philippines

Maya Bank Personal Loan - Up to 250,000 PHP instantly

Frequently Asked Questions (FAQs) about Maya Bank

What is the Maya Personal Loan in the Philippines?

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What are the interest rates and payment terms?

What are the eligibility requirements?

How fast is approval and when will I receive the money?

How do I apply for a Maya Personal Loan?

Do I need to submit documents or proof of income?

Is Maya Personal Loan secured or unsecured?

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