Personal Loan - Maya Digital Bank

How can Maya Personal Loan
help you?

Apply in 3 easy steps

You’re qualified if you:
👌 are 21 to 65 years old
🇵🇭 are a Filipino citizen living in the Philippines
💯 have an upgraded Maya account
💸 use Maya actively for your transactions

*Open to select users during Early Access

Apply now View terms & conditions

¹Go to the Loans dashboard, tap Apply now

²Enter your desired loan amount and complete the application process

³Review your loan offer and tap Accept if you're happy with the terms

Once you accept your loan, the full amount will be instantly transferred to your Maya Wallet.
Loan approval, amounts, and monthly add-on rate are subject to credit evaluation.

Why choose Maya Personal Loan?

Low interest rates

Enjoy an add-on rate as low as 0.83%* payable for up to 6 months

*Effective interest rate of 1.40% per month. Stay tuned for updates on these terms.

Instant* approval and disbursement

Get approved in seconds and have your loan instantly transferred to your Maya Wallet!

*For select upgraded Maya users only

Ease of use

Easy loan application, approval,payment, and tracking via the Maya app

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Say yes to easy
loan computation

How much do you need?

Loan amount

₱15,000 ₱250,000

How long do you need to pay?

Monthly installment amount

₱7,871.76/ month
for 6 months

Your Maya Personal Loan offer is subject to credit evaluation.

Monthly installment amount is based on the lowest monthly add-on rate per installment period.

Your exact loan offer will be provided on the Maya App upon approval.

Stay tuned for more installment plans coming soon.

Pay easily
within the app

¹Tap Pay now under Loans > Personal Loan

²Enter the amount you want to pay then tap Continue

*Please make sure you have enough balance in your wallet before your next due date

³Review the payment details then tap Pay

⁴View your payment receipt or tap Done to go back home

⁵ Tapping View receipt on the previous screen will open the transaction summary

¹Tap Apply now under Loans > Personal Loan

²Review the details then tap Continue

³Set your desired loan amount and repayment terms then tap Continue

⁴Review the loan offer then tap Accept

⁵Enter the OTP you received then tap Verify to complete your application

Frequently Asked Questions

You’ve got questions, we’ve got answers

Need more answers?

How can I qualify for Maya Personal Loan?

Maya Personal Loan is still on early access at the moment. You may be eligible for Maya Personal Loan if you’ve met the following qualifications:

• You are at least 21 to 65 years old.
• You are a Filipino resident.
• You have an upgraded Maya account.
• You’ve been actively using your Maya account for transactions and purchases.

All applications are subject to credit evaluation. If you qualify for early access, we will notify you regarding your eligibility to apply for a Maya Personal Loan.

How do I apply for Maya Personal Loan?

Step 1: Visit the Loans tab in the Maya app
Step 2: Tap Apply for a Loan in the Maya Personal Loan banner
Step 3: View the introduction screen and tap Continue
Step 4: Provide desired loan details in the loan calculator screen
Step 5: Input and validate your personal information then tap Submit
Step 6: Review and confirm your loan amount, interest rate, and repayment terms
Step 7: Enter a One-Time Pin (OTP) to authorize the loan disbursement
Step 8: Receive your loan through your Maya Wallet instantly

What is the minimum and maximum loan that I can receive?

You may apply for a loan from P15,000 to P250,000.

What is the basis of my loan amount?

Your Maya Personal Loan amount is subject to credit evaluation, based on your monthly salary and your credit history. Continue to use Maya for your transactions and always pay your bills on time to help increase your potential loan amount.

Your exact Maya Personal Loan offer, including your approved loan amount and interest rate, will be reflected in your Maya App upon application.

What is the interest rate?

You can get a Maya Personal Loan with as low as 0.83% add-on rate per month (effective interest rate of 1.40% per month). All applications are subject to credit evaluation. Exact interest rate will be reflected in the Maya App upon application.

It’s everything and
a bank. What more
could you need?

For existing PayMaya users, update your app to Maya

Channel	Details
Maya Bank, Inc. Support Page	https://support.mayabank.ph/
Help Center	Access the Help Center by logging in to the Maya app, tapping the Menu button on the upper left corner, and tapping ‘Help’.
Email	support@mayabank.ph
Maya Bank Customers Hotline	Maya Bank Customer Service No.: (+632) 884577-88 Domestic Toll-Free Landline: 1-800-1084-57788 Using your Smart number: *788

Product	Balance Earning Interest	Base Interest Rate p.a.	Boosted Interest Rate p.a.*
Maya Savings	PHP 0.01 – PHP 100,000.00	3.5% p.a.	Up to 11.0% p.a.
	PHP 100,000.01 – PHP 5,000,000.00	3.5% p.a.	0.00% p.a.
	PHP 5,000,000.01 and above	0.00% p.a.	0.00% p.a.

Product	Balance Earning Interest	Interest Rate p.a.
Personal Goal (per goal account)	PHP 0.01 – PHP 1,000,000.00	4.00%
Personal Goal (per goal account)	PHP 1,000,000.01 and above	0.00%

Fees & Charges	Amount	Remarks
Dormancy Fee	Waived*	Charged after five (5) years from last activity
Account Closure	Waived*	Charged if the account is closed within 30 days from account opening
ADB falls below the minimum required	Waived*	Charged if the account’s ADB falls below the required ADB
Bank Statement Generation *Coming Soon*	Waived*	Charged for requests to generate bank statements
Bank Certificate Generation Coming Soon	Waived*	Charged for requests to generate bank certificates
Transfer to Maya wallet	Free	Charged for transactions made to Maya wallets
Transfer to other Maya Bank Accounts	Free	Charged for transactions made to another Maya Bank account
Transfer via InstaPay	PHP 15.00 per transaction	Charged for transactions done via InstaPay
Transfer via PESONet	PHP 15.00 per transaction*	Charged for transactions done via PESONet

Interest rate	New & existing depositors
Base rate	3.5% p.a.
Boosted interest rate unlocked at P250 accumulate spend via QR, Pay via Maya Card, Pay via Mobile Number, Checkout with Maya	5% p.a.
Boosted interest rate unlocked at P1,000 accumulate spend via QR, Pay via Maya Card, Pay via Mobile Number, Checkout with Maya	6% p.a.
Boosted interest rate unlocked at P25,000 accumulate spend via QR, Pay via Maya Card, Pay via Mobile Number, Checkout with Maya	8% p.a.
Boosted interest rate unlocked at P35,000 accumulate spend via QR, Pay via Maya Card, Pay via Mobile Number, Checkout with Maya	10% p.a.
For Smart Postpaid users: Boosted Interest rate unlocked with exclusive voucher code and spend of P999	11% p.a.
Boosted Rate unlocked when you refer a friend with your @username	12% p.a.

Get your loan in Maya Wallet instantly

As low as 0.77% monthly add-on rate*

Pay up to 24 monthly installments

How can Maya Personal Loan help you?

Upgrade your home

Pay for school fees

Expand your business

Buy a new gadget

Apply in 3 easy steps

Why choose Maya Personal Loan?

Low interest rates

Instant* approval and disbursement

Ease of use

Say yes to easy loan computation

Pay easily within the app

Frequently Asked Questions

It’s everything and a bank. What more could you need?

Scan to download the Maya app

Maya Personal Loan Terms and Conditions

1. General Terms and Conditions

2. Definition of Terms

3. Application Processing and Availment of Maya Personal Loan

4. Loan Proceeds

5. Repayment

6. Representations and Warranties

7. Covenants

8. Disclosure of Information

9. Collection

10. Events of Default

11. Consequences of Default.

12. Non-waiver of rights

13. General Provisions

14. Customer Service

CONSUMER DEPOSIT TERMS AND CONDITIONS

1. General Terms and Conditions

2. Definition of Terms

3. Opening of an Account

5. General Terms of Service

6.Your Obligations

7. User Representation and Warranties

8. Reserved Rights

9. Closing of Account

10. Data Privacy Statement

11. Liabilities

12. Governing Law and Venue of Litigation

13. Non-Waiver of Rights by Maya Bank

14. Separability Clause

15. Amendments

16. Notices

17. Customer Service

18. Corporate Governance

Annex A Table of Interest Rates

Annex B Table of Fees and Charges

Annex C Special Provisions on Deposit Products

1.Personal Goals

Interest rate chart

Interest rate chart

GET PHP100 WHEN YOU OPEN & DEPOSIT TO YOUR MAYA SAVINGS

What are you looking for?

Get your loan
in Maya Wallet instantly

Pay up to 24
monthly installments

How can Maya Personal Loan
help you?

Say yes to easy
loan computation

Pay easily
within the app

It’s everything and
a bank. What more
could you need?