• Interest Rate (p.a.)

    16.67% - 16.67%

  • Loan Tenure

    1 - 3 years

  • Approval Duration

    Within 3-5 banking days

  • Min. monthly income


Loan calculator
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What's so great about Chinatrust Salary Stretch Personal Loan?
  • Monthly add-on rate from 1.39%.
  • Borrow any amount from ₱20,000 to ₱1,000,000.
  • Loan tenor from 12 to 36 months.

Product Features

Min. financing amount₱20,000.00
Max.financing amount Up to ₱1,000,000.00
Min. loan tenure1 year
Max. loan tenure3 years
Interest rateEIR ranges from 29.48% (12 months) up to 44.47% (36 months), 1.39% per month add-on
Approval durationWithin 3-5 banking days
Debt consolidationNo

Fees & Charges

One time set up
Processing fee₱1,500.00
Stamp duty₱1.00 for every ₱200.00 in excess of ₱250,000.00 of the loan amount
Disbursement & misc. feeN/A
Early settlementNone, if you have informed the bank one month ahead
Late payment charges5.00% p.a. on any balance outstanding.


Age requirementAge 23 - 60
Employment eligibility₱15,000 for Metro Manila-based applicants or ₱10,000 for provincial-based applicants
Min. salary requirement₱15,000 gross per month
Guarantor / Collateral requirementNo

Other Requirements

Need to open linked banked account?No
Other detailsMethod of Payment - Unionbank branches, Bancnet channels, Chinatrust bank branches

Product Review byiMoney

Chinatrust Salary Loan FAQ

How much can I borrow?

With a Chinatrust Personal Loan, borrow as much as P1,000,000, subject to approval.

What are the Chinatrust Personal Loan Requirements?

An applicant must fulfill Chinatrust’s eligibility criteria for a loan:

  • Must be 23 to 60 years old upon loan maturity
  • Must be a Filipino citizen
  • If employed:
    • With minimum gross monthly income of PhP15,000. for Metro Manila-based applicants or PhP10,000. for provincial-based applicants
    • Must be with the current company for at least one (1) year on a regular / permanent status
    • With office and home landline and/or mobile number 
  • If self-employed:
    • Business must be registered and in existence of operation for at least three (3) years for Trading and Services Industry or five (5) years for other industries
    • With office and home landline and/or mobile number
    • Must be a credit card holder

Consequently, after filling out an application form, the following documents are necessary:

Fully Employed applicants need:

  • Completely filled out application form
  • Photocopy of latest ITR / BIR Form 2316
  • Photocopy of ID issued by the employer (with photo and signature)
  • Photocopy of one (1) month latest pay slip

Self–Employed applicants need:

  • Completely filled out application form
  • Photocopy of latest BIR Form 1701 / 1702
  • Photocopy of unexpired Certificate of Registration from the Department of Trade and Industry (DTI)
  • Photocopy of latest two (2) months credit card statements
  • Photocopy of latest six (6) months bank statements of account/s
  • Photocopy of the face of credit card
  • Photocopy of two (2) government-issued IDs with photo

*Additional documents may be required during credit evaluation.

How does the Chinatrust Personal Loan Calculator work?

The Chinatrust Personal Loan calculator computes the estimated cost of borrowing and amount of payment per instalment. Input the desired loan amount to automatically get the estimated monthly amortization for different tenors.

Other alternative personal loan options are also listed below, from different banks in the Philippines:

Security Bank Personal Loan
  • With low monthly interest, you can solve your cash flow problems with Security Bank Personal Loan. For only 16.7% interest rate per annum, you can loan amounts for as little as ₱30,000 to ₱1,000,000 with flexible payment terms of 1-3 years. You have to be between 21-65 years of age with minimum gross monthly income of ₱15,000 in order to be eligible.

  • PSBank Flexi Personal Loan
  • PSBank Flexi Personal Loan with Prime Rebate offers a unique and first of its kind product in the market. With no required collateral, it has a revolving credit line and a fixed term loan that allows you to borrow from ₱20,000 to ₱250,000 at 2.5% monthly interest rate for revolving loan or 1.75% monthly add-on rate for term loan. Fixed term loan tenure is from 2 or 3 years. To apply, you must be 22-54 years old with gross monthly income of at least ₱15,000.

  • Eastwest Bank Personal Loan with Credit Card Bundle
  • If you are in urgent need of additional funds, Eastwest Bank Personal Loan with Credit Card Bundle would be right for you. Available only to EastWest Bank credit card holders, you can borrow any amount from ₱25,000 to ₱2,000,000 with guaranteed maximum 11 banking days approval duration. Interest rate is 18% per annum and loan tenure is 1-3 years. To be eligible, you must have a minimum monthly income of ₱15,000, at least 21 years old and not more than 65 years of age upon loan maturity.

  • If you're interested at other options, you can go through our whole list of Personal Loan present on our website to help you choose which one is best for you.