Guide on EastWest Cash Loan Interest Rate 2025 & How Much You May Borrow
EASTWEST CASH LOAN INTEREST RATE 2025 – Here is a guide on it as well as the loanable amounts under the financial solution offer of the EastWest Bank.
Are you in need of a financial solution and want to transact with a reputable bank? In the Philippines, one of the trusted financial entities that you may turn to is the EastWest Bank. It gained the trust of millions of Filipinos for decades now and has several offers for the people.
The bank offers several kinds of loan offers. Aside from the EastWest Bank Auto Loan, the bank also has the Personal Loan or also called the EastWest cash loan offer. It is a multi-purpose — it can finance your travel, business expansion, personal purchase, car repainting, etc.
The cash loan offer of EastWest Bank is non-collateral. There is also no need for a co-maker to qualify for the loan offer. It is open for both Filipino citizens and foreign nationals who are permanently residing in the Philippines and at least 21 years old during application but not more than 65 years old upon loan maturity.
Furthermore, the loan applicant must have at least one fixed landline number and a mobile number. The gross monthly income must be at least Php 15,000. Below, you can check the EastWest cash loan interest rates as well as loanable amounts.
With regards to the loanable amounts under the EastWest Bank Personal Loan offer, you may borrow at least Php 25,000 up to P3 million. The loan is payable from one (1) year up to five (5) years or 60 monthly amortizations.
How about the EastWest cash loan interest rates? It depends if you have an existing credit card or bank loan or at least nine (9) months or none.
With Existing Credit Card or Bank Loan of At Least 9 Months
| Tenor | Monthly Rate | Factor Rate | Contractual Interest Rate | Effective Interest Rate |
|---|---|---|---|---|
| 12 Months | 1.79% | 0.0734556 | 37.54% p.a. | 50.27% p.a. |
| 18 Months | 0.0734556 | 37.45% p.a. | 48.50% p.a. | |
| 24 Months | 0.0595667 | 36.98% p.a. | 46.97% p.a. | |
| 36 Months | 0.0456778 | 35.78% p.a. | 44.42% p.a. | |
| 48 Months | 0.0387333 | 34.61% p.a. | 42.36% p.a | |
| 60 Months | 0.0345667 | 33.55% p.a. | 40.65% p.a |
Without Existing Credit Card or Bank Loan of At Least 9 Months
| Tenor | Monthly Rate | Factor Rate | Contractual Interest Rate | Effective Interest Rate |
|---|---|---|---|---|
| 12 Months | 1.99% | 0.1032333 | 41.51% p.a. | 56.19% p.a. |
| 18 Months | 0.0754556 | 41.31% p.a. | 54.19% p.a. | |
| 24 Months | 0.0615667 | 40.70% p.a. | 52.41% p.a. | |
| 36 Months | 0.0476778 | 39.26% p.a. | 49.42% p.a. | |
| 48 Months | 0.0407333 | 37.89% p.a. | 47.01% p.a | |
| 60 Months | 0.0365667 | 36.67% p.a. | 45.03% p.a |
Are you interested to apply for the loan offer? There are documents that the EastWest Bank requires for application. Here is a guide: