Bestloan Philippines Credit Corporation - Requirements, Interest Rates and Charges for Personal Loan

Bestloan Philippines Credit Corporation (BCC or BLCC) is an established lending company since 2006 in Cabuyao, Laguna. They offer different types of personal loan products for Filipinos. Currently, they are catering to more than 20 thousand borrowers in South of the country but has already put up offices in Metro Manila. Bestloan had 11 different branches as of now. (see list below)

They started offering salary loan earlier known by Pinoys as the ATM loan. This type of loan had a system of collection which is through salary deduction and is usually accompanied by surrendering the salary ATM card before cash loan is released to the borrower upon approval of the application.

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Bestloan Philippines Branches

Philippine lending companies as they grow offer the convenience of putting up different offices and branches where the borrowing public is. As part of the this company's commitment to give easy application service, they have been aiming to add more branches is strategic areas in Metro Manila. Below are just some of the popular destination if you are looking to apply for personal loan.

  • Lopez-Sucat
  • Pasay
  • Ortigas
  • Cubao
  • West Avenue
  • Sta. Rosa Laguna
  • Sucat
  • Alabang
  • Bicutan
  • Las Piñas
  • Makati

Bestloan Philippines Loan Products

Although very new to me as a loan agent and consultant to banks and private lending companies in the Philippines, loan products by Bestloan is never really different when it comes to mechanics. Qualification of credit borrowers and processing of application is the same as how it is with banks. The only difference may be is that they have a different database used in terms of checking borrower credentials, banking credits, court cases and whether a creditor is of bad credit status. While most banks use Bankers Association of the Philippines (BAP) database, there may be times that discrepancies may occur with regards to results. This enables some borrowers to get a loan approved even if they have bad credit and may be the start for a chance to loan consolidation.

Comparing with bank loan offer like the credit card loan, this type of loan in the early 80's offer super fast approval and release of cash proceeds. Today, it's become different. It takes complete processing procedures to come up with an approval.

In relation to credit mapping or C-Map, Bestloan have decided to offer different types of loan products. Each have its own slack or strict policies with respect to c-map. Compared with other lending companies and banks, usually, a collateral loan such as car loan and house and lot loan would yield a slightly easier qualification and would sometimes allow borrowers to get approved of an application even if they have c-map. See different personal loan product offers by Bestloan Philippines Credit Corporation below.

2 Major Products of Bestloan Credit Corporation


  • 6 TO 12 months- term
  • 2.5% for 6 months and 1.58% for 12 months
  • Interest Deducted
  • 1.5% processing fee


  • 3 to 6 months term
  • 3% per month
  • Interest deducted
  • 1.5% processing fee


Other Loan Types

  1. Back To School Loan
  2. Cash Advance Loan
  3. Emergency Loan
  4. Valentines Loan
  5. Advance SL/VL Loan
  6. Advance 13th Month Pay Loan
  7. Advance Mid-year Bonus Loan
  8. Advance Christmas Bonus Loan

Payment Terms

  • 6 months
  • 1 month
  • 3 months
  • 3 months

Loan Application Requirements

Basic requirements are easy to produce and therefore, it is easier to apply for any of the fast loan offers by Bestloan. Below is the list of documents that a loan borrower or applicant needs to submit to any branch.

  • 2X2 picture
  • Payslip (latest 1 month)
  • Certificate of Employment
  • ITR
  • Company I.D.
  • At least 2 government ID’s
  • Proof of Billing
Call and Look for – Sir Sam Casuncad
Office phone: 542-7015 (Sam) / 542-8105 (Vina)
Sun No 0932–872 5532
Smart No 0939-9269335
Globe No 0905–4249367 / 0917-5019245 (with Viber, IMO and Whatsapp)
Email application form to /

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This is an article written very long ago. I do not guarantee information to be the same as this article was written. Please search online for relevant, latest and more accurate data. 

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