Head-to-head · Personal Loan Apps
Kotak811 Personal Loan vs Metrobank Personal Loan
Kotak811 Personal Loan leads on 2 checks, Metrobank Personal Loan on 0, and 1 is even. Who comes out ahead on the 3 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.
Our verdict
- Highest scoreKotak811 Personal Loan · 7.2/10
- Most featuresKotak811 Personal Loan · 2 of 2
Kotak811 Personal Loan scores higher on our rubric for personal loan apps: 7.2 against 7.0 out of 10; our editors rank them #4 and #5.
Kotak811 Personal Loan offers origination fee; Metrobank Personal Loan doesn't. Kotak811 Personal Loan offers prequalification; Metrobank Personal Loan doesn't.
Kotak811 Personal Loan is the better fit for digital Indian borrowing with minimal paperwork. Metrobank Personal Loan is the better fit for philippine borrowers needing larger amounts.
- Kotak811 Personal Loan fits best
Digital Indian borrowing with minimal paperwork
- Metrobank Personal Loan fits best
Philippine borrowers needing larger amounts
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Side by side
| Feature | Kotak811 Personal Loan 7.2/10 Visit ↗ | Metrobank Personal Loan 7.0/10 Visit ↗ |
|---|---|---|
| At a glance | ||
| Editor score | 7.2 | 7.0 |
| Ranking | #4 in Personal Loan Apps | #5 in Personal Loan Apps |
| Best for | Digital Indian borrowing with minimal paperwork | Philippine borrowers needing larger amounts |
| Pricing model | Paid | Paid |
| Starting price | Not published | Not published |
| Free plan | — | — |
| Free trial | — | — |
| Deployment | Mobile | Cloud, Mobile |
| Platforms | Web, iOS, Android | Web |
| Support | Email, Phone · 24/7 | Phone |
| Built for | Solo, Small business, Mid-market, Enterprise | Solo |
| Features Kotak811 Personal Loan 2/2 · Metrobank Personal Loan 0/2 | ||
| Origination fee | ✓ (best) | — |
| Prequalification | ✓ (best) | — |
| Specs | ||
| Loan amount range | ₹50,000–₹35,00,000 stated; FAQ also says typically up to ₹25,00,000 | PHP 20,000–PHP 2,000,000 |
| APR range | Starting at 10.99% p.a.; maximum APR not stated on the Kotak811 page | 30.516%–33.317%; stated APR/EIR range |
| Loan purposes | Home renovation, medical emergencies, travel/vacation, debt consolidation, weddings and other personal expenses | Personal purchases, home repairs, weddings, tuition fees, debt consolidation, medical emergencies, and other unexpected expenses |
| Mobile apps | Both | Not published |
| Our review | ||
| Pros |
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| Cons |
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| Our verdict | Kotak811 Personal Loan is an unsecured consumer loan from Kotak Mahindra Bank, applied for digitally through the Kotak811 app. It is aimed at people borrowing for expenses such as home renovation, medical emergencies, travel, debt… Read the review → |
Metrobank Personal Loan is an online borrowing product for eligible Filipino citizens seeking funds for personal expenses. Applicants can request PHP 20,000 to PHP 2,000,000, subject to credit evaluation, for uses such as home repairs,… Read the review → |
Strengths and trade-offs
Kotak811 Personal Loan — where it wins
- Apply and check pre-approved eligibility in the Kotak811 app
- Unsecured borrowing requires no collateral
- Fixed monthly EMIs with terms up to six years
Where it doesn't
- Loan processing fees can reach 5% plus taxes
- The published starting rate is not a complete APR range
- Funds are credited to a Kotak811 account after approval
Metrobank Personal Loan — where it wins
- Loan amounts from PHP 20,000 to PHP 2,000,000, subject to evaluation
- 12-, 18-, 24-, or 36-month repayment terms
- Calculator estimates monthly amortization and fees before applying
Where it doesn't
- Stated APR/EIR ranges from 30.516% to 33.317%
- No prequalification is offered before submitting an application
- Automatic debit requires a Metrobank deposit account
- Kotak811 Personal Loan7.2/10 · Paid
App-based borrowing with fixed EMIs and repayment terms up to six years.
Visit Kotak811Full verdict → - Metrobank Personal Loan7.0/10 · Paid
A large-balance Metrobank loan with calculator estimates and automatic debit repayment.
Visit MetrobankFull verdict →
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All personal loan apps comparisons → · Full ranking →
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Last updated · How we research and update