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Products and Services

Products and

Robinsons Bank provides various loan programs to suit your financial needs. Choose from our array of commercial and consumer loan offers, for either corporate or personal use and experience fast & easy applications and approvals.

Providing financial and economic assistance has principally served as our bank's goal for every Filipino family. Robinsons Bank continues tirelessly in generating innovative and quality products, and offers the market its wide range of loan products-from auto, housing, personal, motorcycle up to its industry pioneer jewelry loan and cash advance facility via e-Wallet.

Auto Loan

Gear Up Your Fancy Car Now!

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Home Loan

Home is where the heart is and where your family's future begins

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Secured PLP

Cash Never Sparkled like this Before!

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Personal Loans

Empowering Your Lifestyle Financially

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Motorcycle Loan

Ride to New Heights OR We Make Riding Easy For You

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Capital Solutions

We love to help businesses grow by providing flexible capital solutions. Let us help you fund your business' everyday transactions with our Operating Capital Solutions.

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Fixed Term

Robinsons Bank offers a wide variety of fixed term loans to match the needs of our clients with longer term financial requirements. 

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Bills Purchased

An advanced cash on business checks prior to clearing, drawn from banks within local and regional clearing desk 

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Para sa Wais na Negosyante!
SUPERLoan ng Bayan is RobinsonsBank’s Microfinance program designed to especially assist small-to-medium scale entrepreneurs (SMEs) for their additional capital requirements.


Low Interest Rate: Fixed 3% monthly interest vs. other lending facilities' 10%
Interest Rebate: 0.5% per month for those clients with on-time payments
Flexible Loanable Amount: Apply for a first and repeat loan based on good credit history!
Easy Loan Term: Weekly, semi-monthly, and Monthly
Pro-Savings Policy: Open a RobinsonsBank Savings Account for contractual savings to increase your asset base in expanding your business!

Entrepreneurs with/who are:

  • Daily or weekly business income
  • Established businesses of at least one (1) year.
  • Necessary business permits
  • Residents of their identified address of not less than three (3) years
  • 21-65 years of age and of good health upon loan application
  • Two (2) valid IDs
  • Business permit (Barangay or Mayor's permit)
  • At least one of the following proof of billing (water, electric, telephone, cable, suppliers)
  • Two (2) recent 2x2 photos
Branch Name  Branch Address Email Address Telephone #
 ANTIPOLO  Unit 169-A Robinsons Place Antipolo Sumulong Hi-way Circumference Ave. Dela Paz Poblacion, Antipolo City. (02) 630-4249
 BACOLOD  Space 2, Central City Walk, Robinsons Place Mandalagan, Bacolod City (034) 441-2372
 BAGUIO  LG/F ECCO Bldg., #43 Assumption Road cor. Gen. Luna Rd., Baguio City (074) 443-8314
 BATANGAS  G/F, Odeste Bldg. P. Burgos St., Brgy. 15  Batangas City (043) 723-5113
CABANATUAN  G/F Franklin De Guzman Bldg. Km. 114 Maharlika Hi-Way , Zulueta District Cabanatuan City Nueva Ecija (044) 464-7877
 CALAPAN  G/F Neo Calapan Mall Roxas Drive, Bgy Sto Nino Calapan City, Oriental Mindoro (043) 441-0027
 DAGUPAN  Robinsons Bank Dagupan Guanzon Bldg. Perez Blvd. Dagupan City, Pangasinan (075) 515-7807
 Dolores ,Pampanga  FRANDA Bldg. McArthur Hi-Way Dolores , Pampanga (045) 435-9378
 EDSA-CALOOCAN  G/F Insular Life Bldg., 462 EDSA near corner Boni Serrano St., Caloocan City (02) 990-1799
 General Trias  Lvl 1-155 Ground Floor General Trias Robinsons Place , EPSA bacao diversion road , tejero general trias , cavite (046) 432-2072
 KABANKALAN  J.Y. Perez Highway, Kabankalan City Negros Occidental (034) 471-0030
 LIPA  G/F Robinsons Place Lipa Expasionn  Wing J.P. Laurel Hi-way, Mataas na Lupa,   Lipa City, Batangas (043) 312-2553
 LUCENA  G/F AZDEMARK Building 11  Quezon Avenue Lucena City (042) 322-0082
 MALOLOS  G/F, Jr. Anchor Space # 123, Robinsons Place Malolos, Brgy., Sumapang Matanda, Malolos Bulacan (044) 796-1635
 MARIKINA  VC Chan Bldg. No. 8 Bayan-Bayanan Ave., Concepcion Uno, Marikina City (02) 948-7121
 MEYCAUAYAN  G/F EMCCO Bldg., Macarthur Hi-way cor. Malhacan Rd.  Calvario, Meycauayan City, Bulacan (044) 721-2712
 NAGA  Ground Floor Crown Hotel Bldg., Peña Francia Ave.,  Naga City, Camarines Sur (054) 472-5257
 NOVALICHES  Robinsons Novaliches , Ground Flr. Expansion Bldg. Quirino Hi-Way Novaliches QC, Robinons Bank (02) 372-6919
 PASIG  Level 1-101 Ground Floor Marius Arcadia Bldg.  C. Raymundo Ave. corner Pag-asa St. Pasig City (02) 477-5951
 PASSI Ground Floor Gaisano Capital, Passi Simeon Aguilar St. Passi City, Iloilo (033) 311-6339
 PALAWAN  Unit 220-222 2nd Flr. Robinsons Place Palawan Mall, Puerto Princesa City, Palawan (048) 433-0056
 SAN PABLO    Estrallado Bldg. M. Paulino St. San Pablo City , Robinsons Bank (049) 562-1043
 SAN PEDRO  G/F Space 102, ETG Center, A. Mabini Street, Barangay Poblacion, San Pedro, Laguna (02) 520-2337
 SANTIAGO Level 1-01103,Robinsons Place Santiago,Barangay Mabini, Santaigo City, Isabela (078)323-0890
 STO. TOMAS  GF Unit 3, Sierra Makiling Commercial Complex, Maharlika Highway, Brgy. San Antonio,  Sto. Tomas, Batangas (043)406-4274
 TUGUEGARAO  G/F, Lui Bldg., Bonifacio St., Centro, Tuguegarao City, Cagayan Valley (078) 375-0721 
 URDANETA  G/F S. Plaza Bldg, Poblacion,  McArthur Hi-way, Bgy. Nancayasan, Urdaneta City, Pangasinan (075) 568-1292

How to Apply?

Get in touch with Robinsonsbank
Undergoing necessary client orientation
Fill up and signed the application form
Submitting to a credit investigation
Wait for processing approval

Apply Online Now

Quick Guide to Loans

What are Loans?

Loans are financial arrangements where the borrower receives an amount from a lender, with the expectation that the borrower will return the amount borrowed plus interest within a given timeframe. There are different ways of categorizing loans. They can be grouped according to the lender, borrower, interest rates, whether the loans have collateral, and other factors. Let’s take a look at each below:

  • Lenders
    There are 3 types of institutions that offer loans: banks, the government, and private lenders. Bank loans have various offers. They offer flexible rates and payment terms that make them attractive to businesses and individuals alike. As long as the borrowers pay the amount they owe right on time, they don’t have anything to worry about. It’s important to take note that banks have strict guidelines when it comes to loan applications.
    The government also offers various loans depending on the needs of the borrower. Individuals can borrow from the Government Service Insurance System (GSIS), Social Security System (SSS), or Home Development Mutual Fund (HDMF or Pag-IBIG Fund). There are three (3) general criteria that a borrower should fulfill to have their government loans approved. These criteria are: must be a Filipino citizen and of legal age; active member of the government body that they want to borrow from; and earn enough to pay the loan. The government also has lending programs for businesses of all sizes.
    Private lenders typically offer short-term personal loans. They have fewer requirements than banks and have faster turn-around time, but they can also have high interest rates and shorter repayment periods. They can also be a bit riskier compared to banks or government agencies. This is because unscrupulous individuals can pose as fake private lenders online and trick borrowers into revealing personal information or paying a so-called “processing fee” before disappearing.
  • Borrowers
    In the Philippines, bank loans are typically categorized into 2 types: commercial loans, which are designed for business entities, and consumer loans, which are designed for personal use by consumers. Under these 2 types are various subtypes, depending on what the loan will be used for. We’ll take a closer look at the different types of consumer and commercial loans in a separate section.
  • Interest Rates
    It’s prudent for borrowers to familiarize themselves with the different types of interest rates that can apply to their loan as these can greatly affect the amount they have to pay back to their creditors. There are 2 types: fixed-rate and variable-rate; and each has its own set of pros and cons.
    Fixed-rate loans have the same interest rate throughout the life of the loan, regardless of the interest rates in the market. Most consumer loans are fixed-rate loans. This means that more or less, they have the same repayment throughout the term of the loan. Variable-rate loans, on the other hand, have interest rates that change depending on market interest rates. This means that the amount the borrower has to pay every month can vary. Fixed-rate loans often have higher interest rates compared to variable-rate loans.
  • Collateral
    Loans can also be classified as secured or unsecured, depending on whether they’re backed by collateral. Secured loans are backed by an asset that will serve as collateral. Should the borrower fail to pay the terms of the loan, the lender has the right to take the collateral as partial or full payment for the loan. Housing and auto loans are common examples of secured loans.
    Unsecured loans are not tied to any asset, which means that the lender cannot seize the property of the borrower if they fail to pay the loan. As such, the interest rates for unsecured loans are significantly higher and borrowers need good credit standing so that they can get the amount they applied for or even get approval for their loan application.

What are the Common Types of Consumer Loans?

Consumer loans are designed for individual borrowers. There are different types of consumer loans. However, these loan types depend entirely on what the loan will be used for. Here are some of the most common ones:

  • Auto Loan– Auto loans can be used for either acquiring a brand new vehicle, purchasing a used one, or paying off an existing vehicle. The amount that an individual can borrow depends on a few factors, such as the state of the vehicle and its total price. Here at Robinson’s Bank, for example, our car loan program can cover up to 80% of the cash price of a brand new vehicle, or up to 70% of the appraised value of a used one. The payment terms for a brand new car can be between 12 and 60 months, while the terms for a used car can be between 12 and 48 months.
    Who can apply for an auto loan?
    Filipino citizens over 25 years of age and have been working for at least 3 years, 6 months of which under their current employer, can apply for an auto loan. Businesses that have been in operation for at least 3 years can also apply for the said loan.
  • Home LoanHome loans can be used to purchase a house and lot, a vacant lot, a condominium unit, or a townhouse. It can also be used for constructing or renovating one’s home, as well as paying for an existing home. The borrower can also use their home as collateral for a loan. Our home loan program at Robinsons Bank can have terms of up to 15 years for self-employed and OFWs, and up to 20 years for locally employed individuals. The minimum amount for each loan is P 500,000. The loan can cover up to 90% of the contract price if it’s by one of our accredited developers, or up to 80% of the appraised value if it’s not.
    Who can apply for a home loan? Anyone aged 21 and above can apply for a home loan. The borrower should be no more than 70 years of age at the time of loan maturity.
  • Personal Loan Personal loans refer to multi-purpose loans that an individual can borrow from a bank. It can be used for everything, from financing travel plans to supporting medical needs. Personal loans can be secured or unsecured, and the loanable amount varies from one bank to another. Unsecured personal loans have higher interest rates compared to secured personal loans, but both can be paid in 3 months up to 36 months, depending on the amount of the loan.
    Who can apply for personal loans? Currently, Robinsons Bank only grants personal loans to employees of accredited companies. Accreditation is open to companies that have been in operation for at least 3 years, with at least 50 regular employees, and with positive financial performance.

What are the Common Types of Commercial Loans?

Commercial loans are loans designed for business entities. Businesses and entrepreneurs can avail of different financial products to address the needs of the company. Commercial loans include:

  • Conventional Business Loan – This standard business loan often involves a large amount that the borrower can use for any specific purpose. At Robinsons Bank, we offer Fixed Term Solutions that are available in medium- to long-term arrangements. This loan can be used as business capital, for the construction and improvement of business facilities, or to acquire equipment and fixtures. The loan can have a maximum term of 7 years, and interest can be paid monthly or quarterly.
  • Line of Credit This is best used for short-term purchases that don’t require a large sum upfront. One of our commercial loans at Robinsons Bank, Operating Capital Solutions, is designed for funding a company’s everyday transactions. This revolving credit line can be used in financing receivables. We also have Bills Purchased, a flexible and collateral-free product that provides advanced cash on business checks prior to clearing.

Questions You Need to Answer Before Applying for a Loan

Getting a loan is both an opportunity and a responsibility. A loan can give borrowers the means to widen the scope of their business, enhance their lifestyle, and improve their credit score, among many other benefits. At the same time, failure to pay a loan within its terms can have serious consequences. Would-be borrowers should make sure that they understand the terms of the loan they are applying for and that they are capable of fulfilling their obligations to the lender. This way, they can maximize the loan and minimize the risks that come with it.

Before applying for a loan, here are some questions borrowers must consider:

  • What is your purpose for getting a loan? Finding out why you’re getting a loan in the first place will help you choose the loan that suits your needs. If you’re running a business, for example, consider if the loan will be used to handle daily expenses or if it will be for bigger, longer projects. This way, you can decide between a conventional business loan and one that offers a revolving line of credit to the company. If you’re applying for a personal loan, think carefully about how the loan will help you achieve your goals. This will allow you to choose the loan that will best fit your plans.
  • How much do you need to borrow? Once you have determined that a loan is necessary, the next thing you should do is find out exactly how much you need. The amount you can loan depends on the lender, so knowing how much you need can help you find the right bank and financial product. If you have a business, compare the funding you require with your future cash flow, which will be used to repay the loan. If you’re borrowing money to finance a personal project, try to get estimates on how much it will cost before applying for a loan.
  • How much do you need to pay every month? Make sure you borrow only what you can afford to pay back by the date you agreed on. Consider all the factors that can affect the amount that you have to pay, too. Decide whether or not you can work with fixed or variable interest rates, and see which financial product offers the best possible rate for the loan. Also, think of how much time you need to pay off the entire loan. A shorter term may fit you if you don’t mind larger monthly payments; but if you want smaller monthly payments, then you should go with a longer loan term.

What Do You Need to Do to Get Your Loan Application Approved?

There are different requirements for different loans and lending institutions. However, there are things that you can do to turn the tides to your favor and make it more likely for the lending institution to approve your loan application. Here are some of them:

  • Establish a decent credit history. Lending institutions like banks can access your financial history and credit information, and they can use this to determine if it’s likely that you’ll be able to return the amount you loaned. Previously unpaid loans, bounced checks, and similar issues can negatively impact your application or can result in a higher interest rate for your loan. Excellent credit history, which you can build by paying your loans on time and spending only 30% of your credit card limit, can help you secure loan approval and even get you lower interest rates.
  • Open a savings account. Having your own savings account shows prospective lenders that you are financially responsible and are capable of paying back the loan. Maintain a savings account and contribute regularly to it.
  • Have a strong credit rating. Aside from good credit history, you also need a strong credit score to improve your chances of getting a loan. Credit score refers to the 3-digit number that represents your trustworthiness or your ability to pay off loans. Credit scores can range from 300 to 850, and the higher your credit score is, the better for your loan application. Your credit score can be affected by your credit payment history, the length of your credit history, and how much you spend relative to your credit limit. Using a variety of credit types can improve your score, but applying for multiple loans can hurt it.

There are 3 main reasons for rejection: your credit history may be too thin, you may already have too much debt, or there may be an error in your credit report. Even if any of these happen, you always have the chance to take the right steps and improve your credit history and score.

Find the Right Loan Options at Robinsons Bank

Here at Robinsons Bank, we offer a wide selection of commercial and consumer loans that will fit your needs. Reach out to us, and allow us to help you make informed financial decisions. You can check out our Customer Care page or call our hotline, 637-CARE (2273), or domestic toll-free number, 1-800-10-637-CARE (2273).