RCBC makes lending easier for every Filipino

Rizal Commercial Banking Corporation (RCBC) is on a mission to make its loan products accessible to every Filipino. Known as the go-to bank for premium clients seeking elevated banking experiences, RCBC is now rapidly expanding its reach to a broader segment of the Philippine consumer market.

With the rise of a digitally empowered population, RCBC is moving beyond traditional brick-and-mortar banking towards the digital space. Through platforms like DiskarTech and ATM Go, the bank now has 100% nationwide coverage, even in low-income and rural areas. It has also launched Pulz, its flagship mobile banking application. RCBC Pulz paved the way for digital banking access to Overseas Filipino Workers (OFWs) and Filipino migrants.

Lito Villanueva, Executive Vice President and Chief Innovations and Inclusion Officer, highlighted the broader role of banks in enabling financial empowerment:

“Credit has always been part of Filipino life. But access to secure and formal loans remains a challenge. Through technology and digital access, RCBC is redefining what’s possible and helping turn every Filipino’s dream into reality,” Villanueva said.

As RCBC strengthens its commitment to financial inclusion, the bank is not merely expanding its reach but redefining the way lending serves the needs of everyday Filipinos. From salaried workers and small business owners seeking accessible financial support, RCBC has developed a range of loan products tailored to diverse needs. With a focus on digital accessibility, flexible terms, and a customer-centric approach, these offerings are designed to ensure that no Filipino is left behind in the pursuit of financial empowerment.

Secured and Personalized Loans for Working Filipinos

For employed individuals and their employers, RCBC offers Salary Loan NOW. With this product, RCBC payroll account holders can apply digitally and receive their loan proceeds in real time, directly credited to their accounts.

These loans are personalized based on salary and lifestyle, empowering employees with greater financial flexibility. The goal is not just to support workers, but also to help employers provide secure and meaningful financial solutions to their teams.

Petsa de Peligro No More! It’s Petsa de Payday Every Day.

Inspired by the common Filipino experience of petsa de peligro or the anxious days before payday, RCBC’s Payday Now helps bridge the gap during the last stretch of the month.

Eligible borrowers can access up to 40% of their monthly salary through a simple, fully digital application. Funds are disbursed instantly via the RCBC Pulz app, and repayments are made convenient through automatic salary deductions.

For Every Need, There’s the Digital Personal Loan

RCBC’s Digital Personal Loan is a fully digital service that offers fast application, low interest rates, and quick disbursement—perfect for busy Filipinos, both local and abroad.

Whether it’s for home upgrades, daily needs, personal growth, or lifestyle goals, this product gives borrowers the freedom to fund what matters most. Professionals on the go especially appreciate the speed and convenience of this digital-first loan service.

Inclusion at the Heart

Since launching its digital transformation in 2019, RCBC has become a trailblazer in inclusive financial services. The bank has earned over 300 awards, including five consecutive wins for “Best Bank for Digital” from Euromoney’s (formerly Asiamoney), for its commitment to combining innovation with accessibility. Its banking leaders have emphasized “innovation with inclusion” with the availability of its Filipino-friendly loan products.

Arniel Vincent Ong, President and CEO of RCBC Bankard Services Corp., expressed enthusiasm about the bank’s shift toward digital loans: “Digital services have ceased being luxuries, and have become needs. By digitizing our loan application processes end-to-end, we expand loan access to a wider segment of the Philippine society while being aligned with the Philippine agenda on digitalization and inclusion,” Ong said.

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This article is brought to you by RCBC.