Head-to-head · Personal Loan Apps
Nedbank Personal Loan vs Metrobank Personal Loan
Nedbank 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 scoreNedbank Personal Loan · 8.4/10
- Most featuresNedbank Personal Loan · 2 of 2
Nedbank Personal Loan scores higher on our rubric for personal loan apps: 8.4 against 7.0 out of 10; our editors rank them #1 and #5.
Nedbank Personal Loan offers origination fee; Metrobank Personal Loan doesn't. Nedbank Personal Loan offers prequalification; Metrobank Personal Loan doesn't.
Nedbank Personal Loan is the better fit for south African borrowers consolidating debt. Metrobank Personal Loan is the better fit for philippine borrowers needing larger amounts.
- Nedbank Personal Loan fits best
South African borrowers consolidating debt
- Metrobank Personal Loan fits best
Philippine borrowers needing larger amounts
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Side by side
| Feature | Nedbank Personal Loan 8.4/10 Visit ↗ | Metrobank Personal Loan 7.0/10 Visit ↗ |
|---|---|---|
| At a glance | ||
| Editor score | 8.4 | 7.0 |
| Ranking | #1 in Personal Loan Apps | #5 in Personal Loan Apps |
| Best for | South African borrowers consolidating debt | Philippine borrowers needing larger amounts |
| Pricing model | Paid | Paid |
| Starting price | Not published | Not published |
| Free plan | — | — |
| Free trial | — | — |
| Deployment | Cloud, Mobile | Cloud, Mobile |
| Platforms | Web, iOS, Android | Web |
| Support | Phone, Live chat · 24/7 | Phone |
| Built for | Solo, Small business, Mid-market, Enterprise | Solo |
| Features Nedbank Personal Loan 2/2 · Metrobank Personal Loan 0/2 | ||
| Origination fee | ✓ (best) | — |
| Prequalification | ✓ (best) | — |
| Specs | ||
| Loan amount range | R2,000–R400,000 | PHP 20,000–PHP 2,000,000 |
| APR range | Maximum annual percentage rate 34.05% (representative example) | 30.516%–33.317%; stated APR/EIR range |
| Loan purposes | General personal needs, urgent expenses, holidays, debt consolidation, car purchase and home improvements | Personal purchases, home repairs, weddings, tuition fees, debt consolidation, medical emergencies, and other unexpected expenses |
| Mobile apps | Both | Not published |
| Our review | ||
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| Cons |
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| Our verdict | Nedbank Personal Loan is an unsecured South African consumer loan for people covering general personal needs, urgent expenses, holidays, debt consolidation, vehicle purchases or home improvements. Borrowers can apply through the Nedbank… 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
Nedbank Personal Loan — where it wins
- Borrow from R2,000 to R400,000 with risk-based rates
- Apply through Money, Online Banking or phone
- Debt consolidation, calculators and insurance options included
Where it doesn't
- Paid product with an origination fee
- Rates depend on affordability, payment history and risk
- Insurance arrangements may be required or separately provided
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
- Nedbank Personal Loan8.4/10 · Paid
A flexible Nedbank loan for South Africans consolidating debt or funding major expenses.
Visit NedbankFull verdict → - Metrobank Personal Loan7.0/10 · Paid
A large-balance Metrobank loan with calculator estimates and automatic debit repayment.
Visit MetrobankFull verdict →
More comparisons
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- Nedbank Personal Loan vs MoneyLion Personal Loans
- Nedbank Personal Loan vs PSBank Flexi Personal Loan
- Capitec Personal Loan vs Metrobank Personal Loan
- Standard Bank Personal Loan vs Metrobank Personal Loan
All personal loan apps comparisons → · Full ranking →
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Last updated · How we research and update