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Head-to-head · Personal Loan Apps

Metrobank Personal Loan vs PSBank Flexi Personal Loan

  • Updated Oct 2026
  • Both researched from official sources
  • 3 checks side by side
Higher score Metrobank Personal Loan #5 in Personal Loan Apps 7.0/10 Paid ✓ 0 of 2 features Visit Metrobank
PSBank Flexi Personal Loan #8 in Personal Loan Apps 5.7/10 Paid ✓ 2 of 2 features Visit PSBank

Metrobank Personal Loan leads on 0 checks, PSBank Flexi Personal Loan on 2, 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 scoreMetrobank Personal Loan · 7.0/10
  • Most featuresPSBank Flexi Personal Loan · 2 of 2

Metrobank Personal Loan scores higher on our rubric for personal loan apps: 7.0 against 5.7 out of 10; our editors rank them #5 and #8.

PSBank Flexi Personal Loan offers origination fee; Metrobank Personal Loan doesn't. PSBank Flexi Personal Loan offers prequalification; Metrobank Personal Loan doesn't.

Metrobank Personal Loan is the better fit for philippine borrowers needing larger amounts. PSBank Flexi Personal Loan is the better fit for philippine flexible credit-line borrowing.

  • Metrobank Personal Loan fits best

    Philippine borrowers needing larger amounts

  • PSBank Flexi Personal Loan fits best

    Philippine flexible credit-line borrowing

Advertiser disclosure: iTechGuides is reader-supported. We may earn a commission when you click some links. How we rank.

Side by side

Feature Metrobank Personal Loan 7.0/10 Visit ↗ PSBank Flexi Personal Loan 5.7/10 Visit ↗
At a glance
Editor score 7.0 5.7
Ranking #5 in Personal Loan Apps #8 in Personal Loan Apps
Best for Philippine borrowers needing larger amounts Philippine flexible credit-line borrowing
Pricing model Paid Paid
Starting price Not published Not published
Free plan — —
Free trial — —
Deployment Cloud, Mobile Cloud, Mobile
Platforms Web Web, iOS, Android
Support Phone Live chat, Phone
Built for Solo Solo
Features Metrobank Personal Loan 0/2 · PSBank Flexi Personal Loan 2/2
Origination fee — ✓ (best)
Prequalification — ✓ (best)
Specs
Loan amount range PHP 20,000–PHP 2,000,000 PhP20,000–PhP250,000
APR range 30.516%–33.317%; stated APR/EIR range 34.49%–42.88% effective annual interest rate, depending on facility and term; published EIRs do not state whether they include origination fees.
Loan purposes Personal purchases, home repairs, weddings, tuition fees, debt consolidation, medical emergencies, and other unexpected expenses Not published
Mobile apps Not published Both
Our review
Pros
  • 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
  • Offers revolving credit and fixed-term loan facilities.
  • Online checklist and calculator help with pre-screening and estimates.
  • Eligible advance or excess term-loan payments may earn Prime Rebate.
Cons
  • 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
  • Effective annual interest rates are 34.49%–42.88%.
  • A PhP1,500 or 1% handling fee applies, whichever is higher.
  • Fixed-term repayment is limited to 24- or 36-month tenors.
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 →

PSBank Flexi Personal Loan combines a revolving credit line and fixed-term borrowing from Philippine Savings Bank. It is aimed at eligible Philippine borrowers who want access to a flexible credit facility through a bank, rather than a…

Read the review →
  1. Metrobank Personal LoanPersonal Loan Apps 7.0Paid
  2. PSBank Flexi Personal LoanPersonal Loan Apps 5.7Paid

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

  • PSBank Flexi Personal Loan — where it wins

    • Offers revolving credit and fixed-term loan facilities.
    • Online checklist and calculator help with pre-screening and estimates.
    • Eligible advance or excess term-loan payments may earn Prime Rebate.

    Where it doesn't

    • Effective annual interest rates are 34.49%–42.88%.
    • A PhP1,500 or 1% handling fee applies, whichever is higher.
    • Fixed-term repayment is limited to 24- or 36-month tenors.
  • Metrobank Personal Loan7.0/10 · Paid

    A large-balance Metrobank loan with calculator estimates and automatic debit repayment.

    Visit MetrobankFull verdict →
  • PSBank Flexi Personal Loan5.7/10 · Paid

    A Philippine bank loan pairing reusable credit with fixed-term borrowing, at a stated high effective rate.

    Visit PSBankFull verdict →

More comparisons

All personal loan apps comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update