Personal Loan – Chinatrust Bank Salary Stretch Cash Advance

Chinatrust Personal LoanOne of the leading bank loan / personal loan providers in the Philippines today, Chinatrust finally opens up for their Salary Stretch Loan – Pinoys can now avail as well as if you are an OFW looking to pay for placement fees, parents for student fees, seaman to leave cash money to their families, for hospitalization and more.

Application is open for this all-purpose, no-collateral personal loan that comes with flexible payment terms of 12, 18, 24, or 36 months, depending on what you find most convenient and within your capabilities to pay for your monthly term.

Call /Txt me to apply for Chinatrust Bank Personal Loan Now!

Seaman Cash LoanCall me to apply for Personal Loan – Sam Casuncad (loan consultant) (home office phone: 366 36 45) or (Sun Cellular No 0932 – 872 5532) or (Smart Cellular No 0939 – 9269335) / (Globe No 0917 – 5019245). You may also email me at


For Salaried Individuals:

  1. Must be 23 to 60 years old upon loan maturity
  2. With a minimum gross monthly income of 15,000.00 for Metro Manila or 10,000.00 for provinces
  3. Must be with the current company for at least one (1) year on a regular / permanent status
  4. With office landline
  5. Must be Filipino citizen
  6. 61 to 65 years old upon loan maturity may be allowed if verified with employer that retirement age is 65 years old. Borrowers who are more than 60 years old upon loan maturity must also submit a photocopy of Credit Life Insurance.

For Self-Employed Individuals:

  1. Must be 23 to 60 years old upon loan maturity
  2. With a minimum gross monthly income of 15,000.00 for Manila-based applicants or 10,000.00 for provincial-based applicants
  3. Business must be registered in existence of operation for at least three (3) years for Trading and Services industry or five (5) years for other industries
  4. With office and home landline and / or mobile number
  5. Must be a credit cardholder
  6. Must be Filipino citizen


For Salaried Individuals:

  1. Completely filled out application form
  2. Photocopy of latest ITR / Form 2316
  3. Photocopy of ID issued by the employer with photo and signature
  4. Photocopy of one (1) month latest payslip

For Self-Employed Individuals:

  1. Completely filled out application form
  2. Photocopy of latest BIR Form 1701
  3. Photocopy of unexpired Certificate of Registration from the Department of Trade and Industry (DTI)
  4. Photocopy of latest two (2) months credit card statements
  5. Photocopy of latest six (6) months bank statement of accounts
  6. Photocopy of the face of credit card
  7. Photocopy of two (2) government-issued IDs with photo

Chinatrust Personal Loan Application Form Download

Apply for Chinatrust Personal Loan Contact Your Pinoy Loan Consultant Now

Note: On a case to case basis, other documents may also be required by the Bank. Original copy of the requirements may be required prior to loan release. Countersign all your original documentary requirements before you submit to us.”

What to expect when getting your Chinatrust Salary Stretch Loan?

  • Your approved salary loan will be released via the Chinatrust All-Day Access Contactless Card. You may also opt for other forms of loan disbursement:
  • Credit to your Chinatrust account
  • Via Manager’s Check
  • Credit to your other Bank account
  • A fee of Php 150.00 will be deducted from your loan proceeds when you choose (b) or (c).
  • Upon loan release, you will receive a Welcome Kit which includes your Chinatrust All-Day Access Contactless Card and your PIN mailer. Take note that your loan number is also printed on your card for easy reference.
  • If you are a non-cash card borrower, a Salary Stretch Loan Information Card will be issued to you, bearing all your loan details (i.e., borrower’s name, loan account number, due date, monthly amortization, maturity date).

How and where to pay or fund your Chinatrust Salary Stretch Loan (using either your All-Day Contactless Card or your Visa Debit & Cash Card)

  • LBC Express Outlets
  1. Present your Chinatrust Cash Card or your Chinatrust Salary Stretch Information Card together with your cash payment to the LBC Customer Associate.
  2. Keep a copy of your receipt for record purposes.
  • BancNet ATMs
  1. Insert your BancNet ATM card and enter your Personal Identification Number (PIN).
  2. Select your Account Type (Savings or Checking).
  3. Select ‘Bills Payment’, then choose ‘Loans’.
  4. From the selection menu, select ‘Chinatrust Salary Stretch’ as the biller/institution.
  5. Key-in your 16-digit Chinatrust Cash Card Number and the loan amount to be paid.
  6. Keep a copy of the receipt for record purposes.
  • BancNet Online (for Chinatrust Cash Card holders only)
  1. Go to and select your bank of account.
  2. Click ‘I Agree’ in the Terms and Conditions.
  3. Select ‘Payment’.
  4. Using the drop down menu, select ‘Chinatrust Salary Stretch’ as the biller/institution, then key-in your 16-digit Chinatrust Cash Card Number (4215 XXXX XXXX XXXX) in the Account Number field.
  5. Enter your BancNet ATM card number, select the Account Type where the payment will be taken and key-in the loan amount to be paid.
  6. Using your mouse, click on the PIN pad and enter your PIN. Then, click ‘Submit’.
  7. Once you verified that all details are correct, click ‘Ok’.
  8. Remember to keep your trace number for record purposes.
  • UnionBank Branches
  1. Fill out the Bills Payment form with your name, either your 12-digit loan account number, Cash Card number or CASA Account Number, and the amount to be paid.
  2. Present the Bills Payment form and payment to the teller and wait for validation.
  3. Keep a copy of your receipt for record purposes.

Note 1: Payments coursed through UnionBank branches are posted on the next banking day.

Note 2: Salary Stretch loan payments are also accepted in all Chinatrust branches nationwide.

Very Important Reminder:

Settle your loan payment three (3) working days before your due date.

See Sample computation for Chinatrust personal loan below.

Sample Loan Computation

Sample Loan Computation Chart

Download Chinatrust Personal Loan Application Form Now

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About Samuel Casuncad

Avail 100% absolutely "FREE" loan consultation & application assistance. My name is Samuel Casuncad - your qualified professional loan agent. 200 + branches all over the Philippines. It's like calling them all at once. Ask about 1 day release and approval loan application processing. Contact Us and Apply Now! Email: Home Office: 542 7015 / 366 3645 Sun: 0932 - 872 5532 Smart: 0939 - 9269335 Globe: 0917 - 5019245 Chat:
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