Head-to-head · Personal Loan Apps
Standard Bank Personal Loan vs Metrobank Personal Loan
Standard Bank 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 scoreStandard Bank Personal Loan · 7.3/10
- Most featuresStandard Bank Personal Loan · 2 of 2
Standard Bank Personal Loan scores higher on our rubric for personal loan apps: 7.3 against 7.0 out of 10; our editors rank them #3 and #5.
Standard Bank Personal Loan offers origination fee; Metrobank Personal Loan doesn't. Standard Bank Personal Loan offers prequalification; Metrobank Personal Loan doesn't.
Standard Bank Personal Loan is the better fit for south African revolving and term credit. Metrobank Personal Loan is the better fit for philippine borrowers needing larger amounts.
- Standard Bank Personal Loan fits best
South African revolving and term credit
- Metrobank Personal Loan fits best
Philippine borrowers needing larger amounts
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Side by side
| Feature | Standard Bank Personal Loan 7.3/10 Visit ↗ | Metrobank Personal Loan 7.0/10 Visit ↗ |
|---|---|---|
| At a glance | ||
| Editor score | 7.3 | 7.0 |
| Ranking | #3 in Personal Loan Apps | #5 in Personal Loan Apps |
| Best for | South African revolving and term credit | Philippine borrowers needing larger amounts |
| Pricing model | Paid | Paid |
| Starting price | Not checked yet | Not checked yet |
| Free plan | — | — |
| Free trial | — | — |
| Deployment | Cloud, Mobile | Cloud, Mobile |
| Platforms | Web, Android, iOS | Web |
| Support | Phone | Phone |
| Built for | Solo, Small business | Solo |
| Features Standard Bank Personal Loan 2/2 · Metrobank Personal Loan 0/2 | ||
| Origination fee | ✓ (best) | — |
| Prequalification | ✓ (best) | — |
| Specs | ||
| Loan amount range | R1,000–R300,000 | PHP 20,000–PHP 2,000,000 |
| APR range | Maximum APR is prime plus 17.5%; minimum APR not published. APR statement does not specify inclusion of origination fees. | 30.516%–33.317%; stated APR/EIR range |
| Loan purposes | Personal financial needs, including major purchases, unexpected expenses and home improvements | Personal purchases, home repairs, weddings, tuition fees, debt consolidation, medical emergencies, and other unexpected expenses |
| Mobile apps | Both | Not checked yet |
| Our review | ||
| Pros |
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| Cons |
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| Our verdict | Standard Bank Personal Loan offers term and revolving personal credit for South African borrowers seeking funds for major purchases, unexpected expenses or home improvements. Applicants can use the website or Banking App to apply, and view… 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
Standard Bank Personal Loan — where it wins
- Choose term repayments or revolving access without reapplying.
- Apply online or through the Banking App and view an indicative quote.
- Borrow from R1,000 to R300,000 with terms of 12 to 72 months.
Where it doesn't
- Rates are personalised, and no minimum APR is published.
- A monthly service fee and once-off initiation fee apply.
- Approval, rates and terms depend on individual assessment.
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
- Standard Bank Personal Loan7.3/10 · Paid
Term and revolving credit with online and app applications, subject to individual assessment.
Visit Standard BankFull 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