Head-to-head · Personal Loan Apps
Metrobank Personal Loan vs Credible Personal Loans
Metrobank Personal Loan leads on 0 checks, Credible Personal Loans on 3, and 0 are 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 scoreMetrobank Personal Loan · 7.0/10
- Free planonly Credible Personal Loans
- Most featuresCredible Personal Loans · 2 of 2
Metrobank Personal Loan scores higher on our rubric for personal loan apps: 7.0 against 6.4 out of 10; our editors rank them #5 and #6.
Credible Personal Loans offers free plan; Metrobank Personal Loan doesn't. Credible Personal Loans offers origination fee; Metrobank Personal Loan doesn't. Credible Personal Loans offers prequalification; Metrobank Personal Loan doesn't.
Metrobank Personal Loan is the better fit for philippine borrowers needing larger amounts. Credible Personal Loans is the better fit for comparing lender quotes for free.
- Metrobank Personal Loan fits best
Philippine borrowers needing larger amounts
- Credible Personal Loans fits best
Comparing lender quotes for free
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Side by side
| Feature | Metrobank Personal Loan 7.0/10 Visit ↗ | Credible Personal Loans 6.4/10 Visit ↗ |
|---|---|---|
| At a glance | ||
| Editor score | 7.0 | 6.4 |
| Ranking | #5 in Personal Loan Apps | #6 in Personal Loan Apps |
| Best for | Philippine borrowers needing larger amounts | Comparing lender quotes for free |
| Pricing model | Paid | Free |
| Starting price | Not published | Not published |
| Free plan | — | ✓ (best) |
| Free trial | — | — |
| Deployment | Cloud, Mobile | Cloud |
| Platforms | Web | Web |
| Support | Phone | Email, Live chat, Phone |
| Built for | Solo | Solo |
| Features Metrobank Personal Loan 0/2 · Credible Personal Loans 2/2 | ||
| Origination fee | — | ✓ (best) |
| Prequalification | — | ✓ (best) |
| Specs | ||
| Loan amount range | PHP 20,000–PHP 2,000,000 | Not published |
| APR range | 30.516%–33.317%; stated APR/EIR range | 6.24%-35.99% APR (marketplace rates shown; APR includes interest and upfront fees such as origination fees) |
| Loan purposes | Personal purchases, home repairs, weddings, tuition fees, debt consolidation, medical emergencies, and other unexpected expenses | Debt consolidation; credit card refinancing; home improvement; medical expenses; other purposes vary by lender |
| Mobile apps | Not published | None |
| Our review | ||
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| Our verdict | 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 → |
Credible Personal Loans is an online marketplace for people comparing personal loan estimates from participating lenders. One prequalification request can surface estimated loan amounts, APRs and repayment terms, with options for purposes… Read the review → |
Strengths and trade-offs
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
Credible Personal Loans — where it wins
- One prequalification request can reach multiple participating lenders
- Soft-check prequalification and estimated terms support quote comparison
- Calculator, credit monitoring and debt tracker add comparison tools
Where it doesn't
- Credible is a marketplace, not the lender issuing a loan
- Quotes are estimates; final terms depend on lender and borrower
- Web-only service, with no consumer loan app
- Metrobank Personal Loan7.0/10 · Paid
A large-balance Metrobank loan with calculator estimates and automatic debit repayment.
Visit MetrobankFull verdict → - Credible Personal Loans6.4/10 · Free plan
A free web marketplace for comparing estimated loan quotes before applying.
Visit CredibleFull 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