Head-to-head · Personal Loan Apps
Metrobank Personal Loan vs MoneyLion Personal Loans
Metrobank Personal Loan leads on 0 checks, MoneyLion 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 MoneyLion Personal Loans
- Most featuresMoneyLion Personal Loans · 2 of 2
Metrobank Personal Loan scores higher on our rubric for personal loan apps: 7.0 against 6.3 out of 10; our editors rank them #5 and #7.
MoneyLion Personal Loans offers free plan; Metrobank Personal Loan doesn't. MoneyLion Personal Loans offers origination fee; Metrobank Personal Loan doesn't. MoneyLion Personal Loans offers prequalification; Metrobank Personal Loan doesn't.
Metrobank Personal Loan is the better fit for philippine borrowers needing larger amounts. MoneyLion Personal Loans is the better fit for free mobile loan-offer comparison.
- Metrobank Personal Loan fits best
Philippine borrowers needing larger amounts
- MoneyLion Personal Loans fits best
Free mobile loan-offer comparison
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Side by side
| Feature | Metrobank Personal Loan 7.0/10 Visit ↗ | MoneyLion Personal Loans 6.3/10 Visit ↗ |
|---|---|---|
| At a glance | ||
| Editor score | 7.0 | 6.3 |
| Ranking | #5 in Personal Loan Apps | #7 in Personal Loan Apps |
| Best for | Philippine borrowers needing larger amounts | Free mobile loan-offer comparison |
| Pricing model | Paid | Free |
| Starting price | Not checked yet | Free plan |
| Free plan | — | ✓ (best) |
| Free trial | — | — |
| Deployment | Cloud, Mobile | Cloud, Mobile |
| Platforms | Web | Web, iOS, Android |
| Support | Phone | Email, Phone · 24/7 |
| Built for | Solo | Solo, Small business, Mid-market, Enterprise |
| Features Metrobank Personal Loan 0/2 · MoneyLion Personal Loans 2/2 | ||
| Origination fee | — | ✓ (best) |
| Prequalification | — | ✓ (best) |
| Specs | ||
| Loan amount range | PHP 20,000–PHP 2,000,000 | Not checked yet |
| APR range | 30.516%–33.317%; stated APR/EIR range | Not checked yet |
| Loan purposes | Personal purchases, home repairs, weddings, tuition fees, debt consolidation, medical emergencies, and other unexpected expenses | debt consolidation; credit-card payoff; home improvement; medical bills; education; large purchases; weddings; unexpected expenses |
| Mobile apps | Not checked yet | Both |
| Our review | ||
| Pros |
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| Cons |
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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 → |
MoneyLion Personal Loans is an online marketplace that matches consumers with personal-loan offers from partner lenders. Applicants provide a desired amount, loan purpose, and basic financial details, then compare matched offers. The… 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
MoneyLion Personal Loans — where it wins
- Compare partner offers side by side by rate, term, and monthly payment
- Explore matched offers with a soft search that does not affect credit score
- Apply online and submit documents for a range of loan purposes
Where it doesn't
- MoneyLion refers applicants to lenders rather than making loans directly
- Participating lenders determine final rates, fees, approval, and terms
- No comparable APR range or verified minimum loan amount is published
- Metrobank Personal Loan7.0/10 · Paid
A large-balance Metrobank loan with calculator estimates and automatic debit repayment.
Visit MetrobankFull verdict → - MoneyLion Personal Loans6.3/10 · Free plan
A free marketplace for comparing matched personal-loan offers without a credit-score impact.
Visit MoneyLionFull 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