CTBC Bank Personal Loans

For those seeking personal finance in the Philippines, CTBC Bank offers a streamlined online service for loans. Benefit from fast processing and a range of options to suit your needs, all available online with CTBC Bank.
Offers: 2
Back-to-Back Loan
Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
from ₱100,000
Get the money you need online
Get the money you need online

Use our quick loan matching system with a free credit check!

Salary Stretch Loan
Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
up to ₱1,000,000
CTBC Bank Personal Loans Calculator of April 2024

Your ideal online loan with a free credit check in the Philippines, just a few clicks away.

Best loan calculator
Loan amount

Enter the desired loan amount

10000 ₱
200000 ₱
Loan term

Specify the loan term for the calculation

Interest rate

Choose the interest rate on the loan

1 %
100 %
Type of payments

Specify the type of payment for calculating

No comment yet coz im not yet approved in my application
very fast
Please address my concerns regarding my loan application and its processing...
Warning: This lender is predatory and extremely dangerous. Do not use this app for loans as they will trap you with impossible and maliciously high interest rates...
I was charged an excessive amount by KVIKU. My last loan was approved on November 25th, 2022 for 5000 pesos...
High Interest Rate. They approved my auto loan without discussing repayment options in full. Instead, they sent me a contract with scheduled payments, which is nowhere near the advertised 0...
CTBC Bank Personal Loans

What are CTBC Loans?

CTBC Bank offers a diverse range of financial solutions tailored to meet the needs of its customers. One notable offering is the Salary Stretch Loan, providing individuals with the flexibility to manage their finances effectively. With convenient salary stretch loan payments, borrowers can comfortably repay their loans over time, ensuring financial stability. Moreover, CTBC Bank's extensive network of branches nationwide ensures accessibility for customers across the country, regardless of their location within the bank's serviceable area employed. This commitment to nationwide coverage reflects the bank's dedication to providing quality service and support to its diverse clientele.

Key Features

  1. Diverse Loan Options. CTBC Bank provides a variety of loan products catering to different needs, including housing loans, personal loans, and business loans.

  2. Competitive Interest Rates. The bank offers competitive and attractive interest rates to make borrowing more affordable for its clients.

  3. Flexible Repayment Plans. CTBC Loans come with flexible repayment plans, allowing borrowers to choose terms that suit their financial capabilities. For instance, the CTBC Bank Salary Stretch Personal Loan offers equal monthly amortizations.

  4. Wide Range of Purposes. CTBC loans serve a multitude of purposes, such as home purchase, construction, refinancing, business investment, personal consumption, and more. This versatility makes them suitable for various financial needs.

  5. Accessible Loan Amounts. Depending on the type of loan, clients can borrow amounts ranging from a minimum of ₱500,000 to more substantial sums, such as ₱50,000,000 for the "My Family Home Loan."

  6. Borrower Eligibility Criteria. CTBC Loans have specific eligibility criteria, ensuring that applicants meet certain age requirements, minimum income thresholds, and employment conditions.

Pros and Cons


  1. Quick Processing. Many CTBC loan products boast efficient processing times, enabling borrowers to access funds promptly when needed.

  2. Convenient Disbursement Options. Loan disbursement methods include credit to CTBC Bank accounts, credit to other bank accounts, manager's checks, and other convenient options, enhancing flexibility for borrowers.

  3. User-Friendly Loan Payment Channels. CTBC Bank offers multiple payment channels, including UnionBank branches, BancNet ATM channels, and ECPay-accredited payment merchants, making it convenient for borrowers to make timely payments.


  1. Eligibility Criteria. Some CTBC loan products may have stringent eligibility criteria, which could make it challenging for certain individuals to qualify for loans.

  2. Processing Time. While many CTBC loans have quick processing times, some products may require longer processing periods, potentially delaying access to funds for borrowers.

  3. Interest Rate Variability. While CTBC Bank offers competitive interest rates, the rates may be subject to change over time, affecting borrowers' overall loan costs.


CTBC Bank (Philippines) Corp. operates under the regulatory oversight of the Bangko Sentral ng Pilipinas (BSP), ensuring compliance with banking regulations and standards. This regulatory framework provides a level of assurance regarding the reliability and stability of CTBC Bank's operations in the Philippines. Additionally, CTBC Bank has established itself as a reputable financial institution, offering a range of banking products and services to meet the diverse needs of its customers. While individual experiences may vary, the bank's adherence to regulatory guidelines and its established presence in the banking sector contributes to its perceived reliability within the Philippine financial landscape.

How to Apply for a CTBC Loan?

Apply for a loan

  1. Research Loan Options. Start by researching the various loan products offered by CTBC Bank to determine which one best suits your financial needs and requirements. Whether you're looking for a housing loan, personal loan, or business loan, CTBC offers a range of options to choose from.

  2. Gather Required Documents. Prepare all the necessary documentation required for the loan application process. This may include valid government-issued IDs, proof of income, bank statements, employment or business documents, and any other relevant paperwork specified by CTBC Bank.

  3. Visit a Branch or Apply Online. You can apply for a CTBC loan either by visiting a CTBC Bank branch or through their online application portal, depending on the loan product. If you prefer in-person assistance, visit your nearest CTBC Bank branch, where a loan officer can guide you through the application process. Alternatively, if online applications are available for the loan you're interested in, visit the CTBC Bank website and follow the instructions to complete the application form.

  4. Submit Application. Complete the loan application form accurately and provide all required documentation. If applying in person at a branch, submit your application and documents to the loan officer. If applying online, upload your documents through the secure online portal and submit your application electronically.

  5. Wait for Approval. Once you've submitted your loan application and documents, CTBC Bank will review your application and assess your eligibility. This process may take some time, depending on the complexity of the loan and the volume of applications being processed.

  6. Receive Approval and Disbursement. If your loan application is approved, you'll receive a notification from CTBC Bank, outlining the terms of the loan, including the approved loan amount, interest rate, repayment terms, and any other relevant details. Once approved, borrowers can conveniently manage their loan payments through the bank's online platform or by filling out a bills payment form at their nearest branch.

Conditions and Requirements


  1. Loan Amount. CTBC Bank offers loan amounts ranging from a minimum of ₱500,000 up to a maximum of ₱50,000,000, depending on the loan product and borrower's eligibility.

  2. Interest Rates. The bank provides competitive interest rates on its loan products, which may be fixed or variable depending on the loan type and prevailing market conditions.

  3. Repayment Terms. CTBC Bank offers flexible repayment terms, allowing borrowers to choose from various repayment plans tailored to their financial capabilities. This typically includes equal monthly amortizations over the loan tenure.

  4. Disbursement Options. Borrowers can choose from multiple disbursement options, such as crediting the loan amount to their CTBC Bank account, another bank account, issuance of manager's checks, or over-the-counter disbursement.


  1. Age. Borrowers must meet the age requirements specified by CTBC Bank for the particular loan product they are applying for. This typically ranges from a minimum age of 21 to 25 years old and may extend up to a maximum of 65 years old upon loan maturity.

  2. Income. Borrowers need to demonstrate a minimum gross monthly income, which varies depending on the loan product and borrower's employment status. For example, salaried individuals may need to show a minimum income of ₱15,000 to ₱20,000, while self-employed individuals may require a minimum income of ₱20,000.

  3. Employment/Business Status. CTBC Bank requires borrowers to have stable employment or business status. This includes meeting tenure requirements with the current employer or business operation period, which may vary from six months to three years depending on the borrower's profile.

  4. Citizenship. Borrowers must be Filipino citizens to be eligible for CTBC loans.

  5. Documentation. Applicants need to provide valid government-issued IDs, proof of income, bank statements, employment or business documents, and any other paperwork specified by CTBC Bank.

Best Places to Get a Loan Today


Apply for a loan

Digido is an online loan company in the Philippines, offering non-collateral cash loan services. They provide a fully automated online portal for a seamless loan application process. Key features include:

  • Automated application process.
  • Loans for various purposes, including emergency and OFW loans.
  • No collateral required.
  • Online loan calculator.
  • Transparent interest rates, with a commitment to fair lending practices.
  • Loan accessibility for unbanked individuals.
  • Secured operations, fully licensed and registered under the SEC.



Apply for a loan

MoneyCat is an online payday loan provider in the Philippines, offering efficient financial solutions with an easy-to-navigate online registration form. Their features include:

  • Swift approval process, usually within 24 hours.
  • Flexible loan amounts ranging from PHP 500 to PHP 20,000.
  • Convenient application methods via website or mobile app.
  • First loan free of charge for new users.
  • Licensed by the SEC, ensuring reliability and legitimacy.



Apply for a loan

Finbro is an online lending platform providing quick loans with durations of up to 12 months and amounts ranging from ₱1,000 to ₱50,000. Their service includes:

  • Online application process that can be completed in 15 minutes.
  • Transparent conditions with no extra costs.
  • 24/7 service availability.
  • Data protection for users.
  • Higher interest rates for repeat loans.
  • No mobile app for accessibility.



Apply for a loan

Kviku is an online lending institution known for providing short-term loans with a fully automated online service. Their main features are:

    • Simple and user-friendly loan procedures.
    • 24-hour approval process.
    • No hidden fees or charges.
    • 100% online lending experience.
    • Competitive interest rates at 0.16% daily.
    • Flexible repayment terms up to 180 days.
    • Registered and authorized by the SEC, ensuring reliability.


Ways to Receive the Money

  1. Credit to CTBC Bank Account. Borrowers have the option to have the approved loan amount credited directly to their CTBC Bank account. This method provides convenience and immediate access to the funds for further transactions or withdrawals.

  2. Credit to Other Bank Account. CTBC Bank also offers the flexibility to credit the loan proceeds to another bank account held by the borrower. This option allows borrowers to utilize the funds across different banking platforms or consolidate finances in one account.

  3. Issuance of Manager's Check. For borrowers who prefer a physical form of payment, CTBC Bank can issue a manager's check for the approved loan amount. This method provides a secure and widely accepted form of payment, particularly for large transactions or specific purposes.

  4. Over-the-Counter Disbursement. CTBC Bank facilitates over-the-counter disbursement of loan proceeds, allowing borrowers to personally collect the funds from designated bank branches. This option may be preferred by individuals who prefer face-to-face transactions or require immediate access to the funds.

  5. Other Disbursement Methods. Depending on the specific loan product and borrower's preferences, CTBC Bank may offer additional disbursement methods such as electronic fund transfers, mobile wallet credits, or other customized arrangements to suit individual needs.


  1. My Family Home Loan. This housing loan facility offers financing for various purposes, including property purchase, construction, renovation, and refinancing. Loan amounts range from a minimum of ₱500,000 up to ₱50,000,000, providing flexibility to borrowers based on their specific housing needs.

  2. CTBC Bank Salary Stretch Personal Loan. Designed for both salaried and self-employed individuals, this unsecured loan offers short to mid-term financing for various purposes. Loan amounts vary depending on the borrower's income and employment status, with minimum amounts typically starting at ₱15,000 for bankers and ₱20,000 for non-bankers.

  3. Back-to-Back Loan. This standby loan facility is available to existing Savings and Time Deposit account holders, allowing them to borrow against their deposits for personal or business purposes. Minimum loan amounts start at ₱100,000, with the loan amount determined based on the value of the collateralized deposit.

  4. SME Business Loan. Catering to the financing needs of small and medium enterprises (SMEs), this secured credit facility offers short-term loans or revolving credit lines and term loans. Loan amounts range from a minimum of ₱500,000 up to ₱70,000,000, enabling SMEs to address various business requirements such as working capital, expansion, or refinancing.

  5. Salary Stretch Loan For Individuals. This short to mid-term unsecured loan is available for both salaried and self-employed individuals. Loan amounts typically start at ₱15,000 for bankers and ₱20,000 for non-bankers, depending on the borrower's income and employment status. With the right approach, a CTBC approved salary loan can serve as a valuable financial tool for meeting short-term needs or achieving long-term goals.

Reasons for Getting Rejected for a CTBC Loan

  1. Insufficient Income. One of the primary reasons for loan rejection could be insufficient income. CTBC Bank sets minimum income requirements for loan applicants, and failing to meet these criteria may result in the rejection of the loan application.

  2. Poor Credit History. Applicants with a history of late payments, defaults, or other negative credit events may face rejection. CTBC Bank assesses the creditworthiness of applicants based on their credit history, and a poor credit score could lead to denial of the loan.

  3. Incomplete Documentation. Failure to provide all required documents or submitting incomplete paperwork can result in the rejection of the loan application. CTBC Bank requires applicants to submit various documents, such as proof of income, identification documents, and employment records, and any missing or incomplete information may lead to rejection.

  4. Failure to Meet Eligibility Criteria. Applicants who do not meet the eligibility criteria specified by CTBC Bank for the particular loan product may face rejection. This could include factors such as age, citizenship, employment status, and other specific requirements set by the bank.

How to Repay a CTBC Loan?

  1. Review Loan Terms. Start by reviewing the terms of your CTBC loan agreement to understand the repayment schedule, including the amount of each installment, due dates, and any applicable fees or charges.

  2. Ensure Sufficient Funds. Ensure that you have sufficient funds in your designated repayment account to cover the monthly loan installments. It's essential to budget accordingly to avoid missing payments and incurring late fees or penalties.

  3. Auto Debit Arrangement (ADA). Set up an auto debit arrangement with your CTBC Bank account to have the monthly loan installments automatically deducted from your account on the due date.

  4. Over-the-Counter Payments. Visit any of CTBC Bank branches nationwide to make loan repayments over the counter. Simply present your loan account details and make the payment in cash or through other accepted payment methods.

  5. Online Banking. Use CTBC Bank's online banking platform to make loan repayments conveniently from the comfort of your home or office. Log in to your online banking account, navigate to the loan repayment section, and follow the instructions to initiate the payment.

  6. Mobile Banking. If available, use CTBC Bank's mobile banking app to make loan repayments securely from your smartphone or tablet. Follow the app's prompts to navigate to the loan repayment section and complete the payment process.

  7. Other Payment Channels. CTBC Bank may offer additional payment channels such as ATM payments, electronic fund transfers, or third-party payment platforms for added convenience.

  8. Monitor Loan Account. Regularly monitor your loan account statements and transaction history to verify that payments are being accurately recorded and to track your loan balance and repayment progress.

  9. Contact Customer Service. If you encounter any issues or have questions about your loan repayment, don't hesitate to contact CTBC Bank's customer service hotline or visit a branch for assistance. They can provide guidance and support to help you manage your loan repayments effectively.


HSBC Personal Loan offers borrowers the flexibility they need with monthly add-on interest rates as low as 0.65%. With loan amounts ranging from ₱30,000 to ₱500,000 and repayment terms spanning from six to 36 months, borrowers can tailor their loan to fit their financial situation. The processing time is efficient, typically taking five to seven working days. However, borrowers should be mindful of associated fees, including a ₱1,500 processing fee and a late payment fee of 36% per annum on overdue payments. Additionally, there's a 0.75% Documentary Stamp Tax deducted from the loan proceeds for loans of at least ₱250,000 or for business purposes.

CIMB Bank Personal Loan stands out with its quick processing time, allowing borrowers to complete the application in just 10 minutes and receive approval within 24 hours. Loan amounts range from ₱30,000 to ₱1 million, with repayment terms of 12 to 60 months, offering borrowers flexibility in managing their finances. While there's a relatively low monthly add-on interest rate starting at 0.83%, borrowers should take note of the ₱1.50 Documentary Stamp Tax per ₱200 of the loan amount and a late payment fee of 5% of the unpaid installment due or ₱300, whichever is higher.

BPI Personal Loan provides borrowers with access to funds ranging from ₱20,000 to ₱3 million, coupled with manageable repayment terms of 12 to 36 months. The monthly add-on interest rate is set at 1.2%, ensuring predictable repayment amounts. Processing time typically takes five to seven working days, allowing borrowers to plan accordingly. However, borrowers should be aware of the associated fees, including a ₱1,500 processing fee deducted from the loan proceeds and a Documentary Stamp Tax of ₱1.50 per ₱200 of the loan amount for loans above ₱250,000 or for business purposes.

Metrobank Personal Loan offers borrowers the convenience of access to funds ranging from ₱20,000 to ₱1 million, with repayment terms of 12 to 36 months. While the monthly add-on interest rate varies from 1.25% to 1.75%, borrowers should carefully consider the associated fees. Processing time typically takes seven working days, ensuring a reasonable wait time. However, borrowers should be mindful of the ₱1,500 disbursement fee, a late payment fee of ₱850 per incidence, and a pre-termination fee of 5% of the outstanding balance or ₱550, whichever is higher.

Editorial Opinion

CTBC Bank's loan offerings provide customers with a variety of options to meet their financial needs, ranging from personal loans to housing and business financing. The bank's competitive interest rates and flexible repayment terms offer borrowers the opportunity to tailor their loans according to their specific circumstances. When considering financial options, opening a CTBC bank account offers not only the convenience of everyday banking but also potential access to various credit facilities. However, while the loan payments may be stretched over a period, borrowers should factor in additional expenses such as the separate loan processing fee and the cost of credit life insurance to ensure they make informed financial decisions.


Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment.

How to Choose a Lender in the Philippines

  1. Ensure that the lender is registered with the Securities and Exchange Commission (SEC) of the Philippines.

  2. Investigate if the lender is a member of recognized industry associations in the Philippines, such as the Chamber of Thrift Banks or the Philippines Finance Association.

  3. Carefully examine all terms and conditions of your loan contract. This includes understanding the repayment schedule, fees, and any penalties for late or missed payments.

  4. Payday loans can have high-interest rates. Make sure the contract clearly outlines the interest rate and total cost of the loan, including any processing fees or additional charges.

  5. Familiarize yourself with your rights regarding cancellation. In the Philippines, consumers may have the right to rescind the loan within a specific period after signing the agreement.

  6. Research the lender's reputation through customer reviews, complaints, and feedback available online.


In Finanso, we've carried out a comprehensive analysis of over 50 lenders in the Philippines, assessing them based on 35 different parameters across six key categories: accessibility of loans, customer relations, quality of service, interest rates, and transparency of conditions.

In each category, we carefully considered the most critical factors in selecting a lender. These factors include the interest rates, available loan amounts, minimum credit score, minimum income, application fees, and the speed at which funds are transferred.

At Finanso, we highly value our users, which is why we also focus on the quality of customer service, user reviews, and additional features that can aid our users in making a well-informed decision.


Who owns CTBC Bank?

CTBC Bank (Philippines) Corp. is a subsidiary of CTBC Bank Co., Ltd., which is headquartered in Taiwan. CTBC Bank Co., Ltd., is one of the largest privately owned banks in Taiwan and has a strong presence in the Asia-Pacific region. With its parent company's backing, CTBC Bank (Philippines) Corp. operates as a separate entity in the Philippines, offering a range of banking products and services to its customers.

What credit score do you need for CTBC Bank?

CTBC Bank (Philippines) Corp. evaluates loan applicants based on various factors, including credit history, income, employment status, and debt-to-income ratio. While the specific credit score requirement for CTBC Bank loans is not publicly disclosed, a good credit score typically increases the likelihood of loan approval. Applicants with higher credit scores demonstrate a history of responsible credit management, which may result in more favorable loan terms and higher loan amounts.

What bank does CTBC Bank use?

CTBC Bank (Philippines) Corp. operates as an independent bank and does not use the services of another bank for its operations. It is regulated by the Bangko Sentral ng Pilipinas (BSP) and provides a wide range of banking services, including loans, deposits, and other financial products, directly to its customers. CTBC Bank (Philippines) Corp. maintains its own banking infrastructure and networks to serve its clientele across the Philippines.

Does CTBC Bank approve everyone?

CTBC Bank (Philippines) Corp. evaluates loan applications based on various factors such as credit history, income, employment status, and debt-to-income ratio. While CTBC Bank strives to accommodate a diverse range of customers, approval is not guaranteed for every applicant. The bank assesses each application individually and may approve or deny loans based on the applicant's financial profile and creditworthiness. Meeting the bank's eligibility criteria and providing necessary documentation increases the likelihood of loan approval.

Is CTBC Bank a legitimate company?

Yes, CTBC Bank (Philippines) Corp. is a legitimate banking institution regulated by the Bangko Sentral ng Pilipinas (BSP), the central bank of the Philippines. CTBC Bank is a subsidiary of CTBC Bank Co., Ltd., a reputable financial institution headquartered in Taiwan. With its parent company's support and regulatory oversight from the BSP, CTBC Bank (Philippines) Corp. operates within the legal framework of the Philippines, offering a range of banking products and services to its customers.