Chinatrust Salary Stretch Personal Loan

This short to mid-term loan can be the answer to your financial shortfall.

Interest rate (p.a.)

16.67 - 16.67% 

Loan Tenure
1 - 3 years
Approval Duration

Up to 3-5 banking days

Min. monthly income


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 tenure 1 year
Max. loan tenure 3 years
Interest rate EIR ranges from 29.48% (12 months) up to 44.47% (36 months), 1.39% per month add-on
Approval duration Within 3-5 banking days
Debt consolidation No

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. fee N/A
Early settlement None, if you have informed the bank one month ahead
Late payment charges 5.00% p.a. on any balance outstanding.


Age requirement Age 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 requirement No

Other Requirements

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