RCBC InstaLoan

RCBC InstaLoan offers pre-qualified customers an effortless way to access additional funds with a separate loan line.

Enjoy the flexibility to draw on your available loan line anytime—perfect for any financial needs, big or small, whether for home repairs, travel, education, or unexpected costs.

Flexible

Enjoy flexible access to funds with a separate loan line whenever you need it.

₱

Affordable

Access up to ₱1 Million for your various needs with low interest rates for repayments spanning 6 to 60 months*.

Easy

Simply call and your loan will be credited to your account in as fast as 3 banking days.

Your line, your freedom.

With RCBC InstaLoan, you have a reliable means to manage your finances whenever opportunity or necessity calls.

*Rates are indicative and subject to prevailing market rates. Tenor may vary per customer. Terms and Conditions apply.

Apply for RCBC InstaLoan today!

RCBC InstaLoan is available to pre-qualified RCBC customers who have received an offer via SMS/email or a call from our agents.

Coming Soon on RCBC Pulz!

Eligible customers can access their RCBC InstaLoan offer directly through the app once available.

Qualification Check

To check if you are qualified for RCBC InstaLoan, call (02) 8888-1810 from Monday to Friday, 10:00 AM – 7:00 PM.

Frequently Asked Questions

RCBC InstaLoan is a revolving credit facility that gives you flexible, on-demand access to funds for personal use. It’s ideal for managing financial needs or covering unexpected expenses such as tuition fees, travel, car repairs, home improvements, or debt consolidation.

Unlike regular personal loans, RCBC InstaLoan is a revolving credit line—meaning you don’t have to reapply each time you need funds. As long as you have an available credit limit and your account is in good standing, you can re-avail anytime.

RCBC InstaLoan is offered exclusively to pre-qualified RCBC customers with good credit standing. If you’re eligible, you will receive a call from one of our Sales Officers and be notified via your registered mobile number and email.

No branch visits or paperwork needed! The entire application process is done over the phone. Simply wait for a call from one of our Sales Officers. You may also inquire by calling our Personal Loans Hotline at (02) 8888-1810 from Monday to Friday, 10:00 AM – 7:00 PM.

Loan amounts range from ₱20,000 to ₱1,000,000, depending on your credit profile and eligibility.

Choose a loan term from 6 to 60 months, depending on your financial needs and repayment capacity.

The Monthly Add-on Rate (AOR) ranges from 0.90% to 1.70%, which translates to a Monthly Effective Interest Rate (EIR) of 1.52% to 2.98%.

Note: The EIR reflects the actual cost of the loan, including interest and applicable fees.

Loan proceeds (net of applicable fees) will be credited to your account within 2 to 3 banking days.

Yes, the following fees apply and will be deducted from your loan proceeds:

Processing Fee: 1% of the loan amount or ₱1,500, whichever is higher
Documentary Stamp Tax (DST): ₱1.50 for every ₱200 availed (applies only to loan amounts over ₱250,000.
DST is a government-required tax on loan documents and agreements.

You can pay through the following channels:

RCBC Pulz
RCBC Online Banking
Auto-Debit Arrangement (ADA)
RCBC Payment Centers

To pay via Pulz or Online Banking: Tap ‘Pay Bills’, search for “RCBC CREDIT (BANKARD)”, and follow the steps.

For ADA: Enroll your RCBC account and ensure it is funded at least 2 banking days before your due date.

No. You can re-avail anytime as long as you have an available credit limit and your account is in good standing—even if you're still paying off a previous availment.

A late payment fee of 5% of your unpaid amortization will apply. It’s important to pay on time to maintain a good credit standing and avoid penalties.

Yes. You can pre-terminate your RCBC InstaLoan at any time. A pre-termination fee of ₱500 or 5% of the unpaid principal, whichever is higher, will apply.

Yes. As you pay down your outstanding balance, your available limit is restored. This gives you continuous access to funds when you need them.

No. You can only have one RCBC InstaLoan credit line at a time. However, you may avail or re-avail multiple times within your approved loan limit.

For any questions or assistance, you may contact:

- RCBC Personal Loans Hotline: (02) 8888-1895

- Email: loansservices@rcbcbankard.com

Terms & Conditions

RCBC InstaLoan is a multi-purpose revolving credit facility that provides flexible, on-demand access to funds for personal consumption (examples: school-related expenses, travel, car repair, home improvements, debt consolidations). This facility may be availed only by pre-qualified customers of RCBC in good credit standing.
Application

CLIENT acknowledges that RCBC reserves the right to approve or reject applications for RCBC InstaLoan and has no obligation to disclose reasons for the rejection or disapproval of the RCBC InstaLoan application. Further, RCBC has the sole discretion to approve only a portion of the amount applied for.
CLIENT confirms that all information in this application is correct and complete. CLIENT shall notify RCBC of any change affecting the information and documents provided by the CLIENT. Should any of the information provided and documents submitted prove to be false, RCBC may terminate any loan or accommodation and shall have the right to demand immediate payment of the entire loan obligation.
CLIENT agrees and authorizes RCBC to obtain and verify such information and perform all necessary background checks (including credit scoring and investigation) as RCBC may require, concerning the statements made in this application and that the sources from which RCBC may apply for such information are hereby authorized to provide RCBC the same.
CLIENT agrees to waive, to the extent allowed by law, the confidentiality of his/her personal data regarding his/her bank accounts, deposits and other credit information in order to ascertain the CLIENT’s eligibility to avail credit.

Interest, Fees and Charges

CLIENT agrees to pay the fees as broken down below:

A processing fee will be charged and deducted against the loan amount and will be netted out of the loan proceeds.
Documentary Stamps of 0.75% of the loan amounts higher than Php250,000 shall be charged and deducted against the loan amount and will be netted out of the loan proceeds.
CLIENT agrees to pay administration fee/ pre-termination fee of 5% of the remaining principal amount or 500 pesos whichever is higher should he/she decide to pre-terminate or pay his/her RCBC InstaLoan in full before maturity.

The interest rate of loan availments will be subject to the prevailing interest rate at the time of availment.

Cash Disbursement, Payment, and Default

CLIENT agrees that the proceeds of the loan will be credited to his/her nominated bank account or in his/her payroll Account as may be applicable.
CLIENT agrees that, upon disbursement of the loan, he/she shall be liable to RCBC for the approved loan amount and the charges due thereon such as but not limited to the processing fee, pre-termination fee, interest, late penalty fees, taxes in accordance with the Disclosure Statement, Amortization Schedule and/or other related RCBC InstaLoan documents.
CLIENT understands further that fees are based on the prevailing rates and may vary per borrower. In addition, fees will be deducted upfront from the loan amount to be availed, resulting in a credited amount net of fees.
CLIENT authorizes RCBC to collect payments through automatic debit arrangement ("ADA”) as agreed during the application. CLIENT may also opt to enroll at a later time through any means deemed acceptable by RCBC. CLIENT understands and agrees that if they avail of RCBC Instaloan via RCBC's mobile application e.g. Pulz or its replacement, the mode of payment shall automatically be through ADA for both initial and succeeding availments. CLIENT further consents that if they re-avail the loan through the RCBC mobile application, irrespective of the initial channel used for availment, the mode of payment shall automatically be through ADA as well.
If CLIENT enrolls in the ADA facility of the Creditor, CLIENT authorizes the Creditor to collect payments through ADA. In connection thereto, CLIENT agrees that: (a) the Creditor shall automatically charge/debit, without need of any further act from him/her, the due amount (“Debit Amount”) on the due dates stated in the statement of account and/or amortization schedule or on the next working day thereto or if the due date falls on a holiday, weekend or on a date when certain maintenance activities are being performed on the debiting system then on the next working day when the debiting system is properly functioning for such purpose (“Debit Date”) from the CLIENT’s designated deposit account as indicated in his/her application on the app (“Debit Account”), which will be applied to the payment of the his/her loan; (b) if the funds in the CLIENT’s Debit Account are insufficient to cover the due amount on a Debit Date, the Creditor shall either cancel the debiting of the due amount, or debit the remaining available balance in the his/her Debit Account and will continue to debit the his/her Debit Account until the full unpaid amount is collected; (c) the Creditor may debit additional amounts as may be necessary as payment for past due amounts (d) in case of the CLIENT’s death, the Creditor may charge the Debit Amount to the Debit Account, regardless of the Debit Date and without prejudice to the Creditor’s right to recover the full amount of the CLIENT’s obligations on the Personal Loan from the his/her estate and/or heirs, successors or assigns; (e) the CLIENT’s request for ADA enrollment and any future request for disenrollment shall be subject to the Creditor’s prior consent and confirmation; and (f) the Debit Account and all debits authorized in the CLIENT’s ADA enrollment are further governed by the Creditor’s applicable terms and conditions, policies, and procedures, the CLIENT’s consent to which is hereby affirmed. The Creditor has no obligation to debit the CLIENT’s account if the outstanding balance thereon is insufficient, unavailable, or has not been cleared, in which case he/she shall be liable to pay the penalty charge on all overdue amounts.
CLIENT hereby agrees to indemnify and hold RCBC its directors, officers and representatives, free and harmless from any claims, liability and/or damage arising out or of in connection with the exercise of the authority granted under the ADA.
RCBC may allow other repayment options, as applicable.
CLIENT understands that payments made to his/her RCBC InstaLoan account shall be applied in the following order:

Late penalty fee, as may be applicable
Interest charge, as may be applicable
Principal balance/ due payments/ due monthly transactions, as may be applicable.

In case of CLIENT’s failure to pay when due and payable, any sum which he/she is obliged to pay under this RCBC InstaLoan and/or any other obligation which he/she may now or in the future owe to the holder of this RCBC InstaLoan or to any other party, whether as principal, surety, or guarantor, or in the event of death or dissolution (in case of corporation), bankruptcy, insolvency, receivership, levy or execution, garnishment or attachment, or in case of conviction for a criminal offense by final judgment carrying with it the penalty of civil interdiction, affecting all or any one of us, or in any of the cases enumerated in Article 1198 of the Civil Code of the Philippines:

CLIENT understands that the entire unpaid obligation (including unbilled balances) and all other fees and amounts payable under this Agreement shall become immediately due and payable without demand, presentment, dishonor, protest or further notice of any kind, all of which he/she hereby expressly and willingly waive.
CLIENT agrees to pay late penalty fees as applicable.
If RCBC needs to refer the case to a collection agency or through an Attorney-at-Law, he/she shall be liable to pay the amounts due as listed in the applicable Loan documents and the actual expenses of collection and costs of suit.
In the event that the CLIENT’s account shall be referred to a collection agency or an attorney-at-law for collection, the CLIENT acknowledges that RCBC shall notify him/her in writing of the endorsement of the collection of his/her account, or the endorsement of the collection of his/her account to a collection agency or attorney prior to actual endorsement. The notification shall include the full name of the collection agency and its contact details to which the account will be offset.

In case of any changes in the crediting of loan proceeds RCBC reserves the right to change the crediting option of CLIENT’s application.
CLIENT understands and agrees that these terms and conditions are supplemental to and to be bound by RCBC’s omnibus general terms and conditions which can be found in RCBC Credit’s website. In case of conflict between these terms and conditions and the omnibus terms and conditions, these terms and conditions will govern with respect to the availment of RCBC InstaLoan.

Enhanced Implementation of the Truth in Lending Act (Republic Act 3765)

The State protects its citizens from a lack of awareness of the true cost of credit to the customer by assuring a full disclosure of such cost and other terms and conditions with a view of preventing the uninformed use of credit.

As such, a disclosure statement is a required attachment to the loan contract. It shall include, at a minimum, the following information:

Total amount to be financed
Finance Charges and all others charges incident to the loan
Net proceeds of the loan
Schedule of Payments
The percentage that the finance charge bears to the total amount to be financed expressed as Effective Interest Rate (EIR)

IMPORTANT NOTICE
The borrower has a right to demand a copy of the disclosure statement on credit evaluation.