Maya Personal Loan
Maya Personal Loan: A Maya-integrated loan app for larger purchases, with personalized terms after evaluation. Ranked #25 of 34 in Personal Loan Apps by our editors (5.3/10); pricing: Paid; best for maya users financing larger purchases.
At a glance
- Editor score5.3 / 10
- PricingPaid
- Best forMaya users financing larger purchases
- PrequalificationNo
- Facts checked28 Sep 2026
Where it wins
- In-app credit evaluation with personalized loan amount and rate
- ₱10,000–₱400,000 loan amounts for larger purchases
- OTP disbursement, notifications and partial early repayment
Where it doesn't
- Exact offer appears only after credit evaluation
- An origination fee applies
- Early-access availability is limited to qualifying customers
Our verdict on Maya Personal Loan
Maya Personal Loan is an installment cash loan from Maya Bank, Inc., delivered through the Maya mobile app on iOS and Android. It is intended for qualifying Filipino residents with upgraded, active Maya accounts who want to finance larger purchases. Applicants enter desired loan details in the calculator, provide requested information, review the offer and repayment terms, then authorize disbursement with an OTP. Approved funds go to a nominated Maya account and are repaid in monthly installments.
The product page reports loan amounts from ₱10,000 to ₱400,000. Pricing is personalized: the published minimum is 0.83% add-on interest per month, equivalent to 1.40% effective interest per month, while the exact principal and rate depend on credit evaluation. An origination fee applies. Repayment runs for six or more monthly installments under the terms, with payment notices delivered through in-app notifications and SMS. Borrowers can repay the outstanding balance early or make a partial early repayment.
Access and transparency are the main considerations. The application, evaluation, calculator, offer review and OTP authorization are contained in the Maya app, while chat and phone support are available around the clock. However, borrowers receive their personalized terms only after assessment rather than a prequalification estimate, and the product is currently described as early access for qualifying customers. Choose Maya Personal Loan if you already use Maya and value an in-app process for a larger planned purchase. Consider another lender if you need broad availability, an upfront rate range or an offer before submitting to credit evaluation.
Maya Personal Loan pricing
Maya Personal Loan fact sheet
| Free plan | Not verified |
|---|---|
| Paid from | Not verified |
| Loan amount range | ₱10,000–₱400,000 |
| APR range | As low as 1.40% effective interest per month; exact offer depends on credit evaluation. APR range not published on the product page. |
| Origination fee | Yes |
| Prequalification | No |
| Loan purposes | Finance larger purchases |
| Mobile apps | Both |
| Deployment | Mobile |
| Platforms | iOS, Android |
| Support | Live chat, Phone · 24/7 |
| Built for | Solo (editorial estimate) |
| Pricing | Paid |
| Website | mayabank.ph |
| Facts checked | 28 Sep 2026 |
Alternatives to Maya Personal Loan
- Nedbank Personal LoanA flexible Nedbank loan for South Africans consolidating debt or funding major expenses.9.0
- Capitec Personal LoanA flexible consolidation loan with broad terms, but rates and fees can reduce value.8.6
- Kotak811 Personal LoanApp-based borrowing with fixed EMIs and repayment terms up to six years.7.8
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Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
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