Understanding Your Credit Score

Call Center Agent Loan

Published by Clickerwayne on November 11, 2019

It is an undeniable fact that many Filipinos nowadays are working in different Call Centers in the Philippines. More and more are getting attracted to be in the call center industry not only because of the higher-pay and better benefits that these companies provide but also for faster career growth.

According to the latest LABSTAT Updates of the Philippine Statistics Authority , the total number of persons employed in the BPO industry was estimated at 575,600 and majority of which, 504,227 or 87.6%, worked in Call Center companies. The report also shows that

"A total of 851 establishments were registered under business process outsourcing (BPO) industry. Majority or 96.0 percent of these establishments were engaged in call center activities with 429 or 50.4 percent and computer related activities with 393 or 46.2 percent."

High Salary For Just Saying "Hello" & "Good Bye"

Working in a BPO or Call Center is not as easy as it seems. It is indeed a tough job, whether you're in inbound, outbound or in the back office. Knowing-how-to-speak-in-english is not enough. Their job is not just about saying "Thank you for calling [company name]. My name is _______, how may I help?" at the beginning of the call and "Thank you for calling [company name] You have a great day!" at the end of the call. There is something more to that than meets the eye. This "kind of job" requires lots of skills, sharp mind and, if I may add, tons of patience. In most cases, Call Center Agents, majority but not all, are on auto-pilot mode to deliver exemplary performance. They are always mindful of their performance and their numbers. You won't last long in this industry if you're not a performer.

Call Center Agents Lavishing Lifestyle

Since these employees are high earners as compared to any other entry-level jobs, we can probably say that they have more purchasing power. They can spend their hard earned money for travel and things that've been wanting to have for a long time. You might have probably seen some of them hanging out in bars or restaurants at the end of their shift not because it is a normal routine for them. They're there to relax or to get rid of the stress after burning the mid-night oil. Truth of the matter, Call Center employees spend most of their hard earned cash for their loved ones rather than for themselves. They spend their after-shift hours at home and manage to stay awake for few more hours to take care of the needs of their kids or loved ones.

Can They Apply For A Personal Loan?

The answer is a big YES. They can apply for a BPO Loan, personal loan, salary loan, call center agent loan, so on and so forth, provided that all eligibility requirements are met. They can take advantage of the unsecured loan with flexible terms and low interest rate offered by different financial institutions in the Philippines.

Call Center Agent loan is a non-collateral type of loan that is the same as BPO Loan, personal loan, salary loan offered by banks and lenders in the Philippines. The required minimum basic salary to be eligible to apply is higher as compared to salary or personal loan offered to non-BPO employees.

Eligibility Requirements

  • Must be 21 – 50 years old Filipino citizen
  • Must be presently employed in a Call Center or BPO in the Philippines
  • Must be employed for at least 1 year with your current company
  • Must be receiving a monthly basic salary of:
    • Category 1: Php 20,000.00 – (not including allowance, incentives etc)
    • Category 2: Php 25,000.00 – (not including allowance, incentives etc)
  • With existing checking account or credit card (Preferred but not required)
  • With good credit history with no unpaid bank loans and delinquent or closed credit card

Call Center Agent Loan Requirements

  • Completely filled out and signed application forms
  • Front and Back copy of valid company ID
  • Front and Back copy of two (2) Valid Primary IDs
  • Certificate Of Employment
  • Latest three (3) months payslip OR Signed 2018 BIR Form 2316
  • Most recent Proof of Billing Statement without past due amount
  • Last 2 months credit card statement of account (If applicable)

Step-By-Step Loan Application Process

Step 1:
  • Log on to and choose the loan that suits you best.
  • Step 2:
  • Fill-out the online application form and submit. You will receive an email and a text message containing your one-time verification code.
  • Step 3:
  • Once you are logged in you will be assisted by's assistive bot Sweetie. Just follow and complete the pre-screening process. It only takes less than 48 seconds to get your pre-screening for eligibility to apply result.
  • Step 4:
  • If qualified, proceed in providing the additional information needed and then submit.
  • Step 5:
  • Our assistive bot will provide you the list of banks and financing companies that you are eligible to apply for. Kindly completely fill-out and sign all corresponding forms (in PDF format).
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