CIMB Bank PH review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

CIMB Bank PH lends directly in the Philippines at a fixed 18%, which suits borrowers who meet a minimum gross monthly income and want a known repayment figure over 12 to 60. The trade-off is cost: the arrangement fee depends on where the money is paid, and early repayment is not free.

Key facts

Best for
Philippine borrowers with a qualifying income who want a fixed rate and can route the loan into a CIMB account to avoid the arrangement fee.
APR
18% (Source, checked September 26, 2026)
Loan amount
₱30,000 to ₱1,000,000 (Source, checked September 26, 2026)
Term
12 to 60 months (Source, checked September 26, 2026)
Arrangement fee
PHP 0 if disbursed to a CIMB account; 1% of principal amount or PHP 500 whichever is higher if disbursed to other banks (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
21-65 years old at loan maturity; Philippine citizen and non-US person; Philippine mailing address and active Philippine mobile number; minimum gross monthly income PHP 15,000 (Source, checked September 26, 2026)
Origination fee (%)
0% to 1% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
CIMB Bank Philippines, Inc. (Source, checked September 26, 2026)
Support channels
Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
cimbbank.com.ph

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedInX

Pros and cons

Pros

  • A fixed 18% holds for the whole term, so the repayment figure does not move.
  • CIMB Bank PH is a direct lender, so no broker sits between you and the decision.
  • Borrowing of PHP 30,000 to PHP 1,000,000 over 12 to 60 covers a large lump-sum need.
  • The arrangement fee is waived when the loan is paid into a CIMB account.

Cons

  • Free early repayment is no, so settling the balance early is not costless.
  • An arrangement fee of 0% to 1% applies when the money is paid to another bank.
  • Support runs on help centre only.
CIMB Bank PH

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Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Philippine citizens with a local mailing address and an active Philippine mobile number who meet a minimum gross monthly income.
  • Borrowers who want a fixed repayment figure and can live with 12 to 60.
  • Existing CIMB customers who can have the money paid into a CIMB account to keep the arrangement fee waived.

Who should look elsewhere

  • Borrowers chasing the lowest rate: Monzo Flex shows 10% to 23% next to 18% here.
  • People who plan to clear the balance early, since free early repayment is no.

Safety and regulation

CIMB Bank PH is a direct lender, so the application and the decision sit with the bank rather than a broker or a marketplace. It is supervised in the Philippines by Bangko Sentral ng Pilipinas, the country's central bank. Borrowers deal with a single institution from application through to repayment, which keeps the assessment and the account in the same hands.

Who runs it

CIMB Bank Philippines, Inc. is the legal entity behind this personal loan, and it lends in its own name rather than through a broker or marketplace. Support runs on help centre, so published answers do the explaining on charges, rates and repayment. Applicants should expect an online, self-service path from application to disbursement.

How CIMB Bank PH compares

Where CIMB Bank PH is available

Available
Philippines
Licence in Philippines
Bangko Sentral ng Pilipinas, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does a CIMB Bank PH personal loan cost?+

The rate is a fixed 18% that holds for the whole repayment period, and borrowing runs PHP 30,000 to PHP 1,000,000 over 12 to 60. The arrangement fee is 0% to 1%, applied differently depending on where the money is sent. Budget for the interest and that fee together when you compare offers.

What does the arrangement fee depend on?+

The arrangement fee is waived entirely when the loan is disbursed into a CIMB account. Paid out to another bank, the fee is a share of the principal or a set amount, whichever is higher, which is why 0% to 1% covers a spread rather than one figure.

Can I repay the loan early without a charge?+

Free early repayment is no, so clearing the balance ahead of schedule is not costless here. Borrowers who expect their income to rise quickly, or who want the freedom to overpay, should compare that against lenders where settling early is free. The term runs 12 to 60, so plan around the full schedule rather than an early exit.

Who can apply for a CIMB Bank PH personal loan?+

Eligibility asks for adults within a set age range at loan maturity, Philippine citizenship, a Philippine mailing address and an active Philippine mobile number, and a minimum gross monthly income. Applicants must be non-US persons. Loans run PHP 30,000 to PHP 1,000,000 over 12 to 60, so check that the size you need sits inside that range.

Is CIMB Bank PH regulated in the Philippines?+

Yes. The lender operates in the Philippines under Bangko Sentral ng Pilipinas supervision, the country's central bank. Applications go straight to the bank because it is a direct lender, so the same institution assesses the file and holds the loan relationship from start to finish.

Is the interest rate fixed or variable?+

The rate is fixed, so the 18% you are offered holds for the full term rather than moving with the market. That predictability suits borrowers who want the same payment each month, and the term runs 12 to 60. Anyone expecting rates to fall should weigh a variable product instead.

How do I get help with my loan?+

Support runs on help centre, with published answers on rates, charges and borrowing. There is no phone or chat line listed, so questions about an individual application go through the same written route. Answers cover cases in general, so keep your account details and paperwork to hand.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check, Funding time, Representative example.

Related by the facts

CIMB Bank PH

CIMB Bank PH

Philippine borrowers with a qualifying income who want a fixed rate and can route the loan into a CIMB account to avoid the arrangement fee.

8.9/10See alternatives

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