Guide on EastWest Cash Loan Interest 2026 & How Much You May Borrow
EASTWEST CASH LOAN INTEREST 2026 – You can check here the details about the interest rate and the loanable amounts under the EastWest Rural Bank loan offer.
Reputable banks are among the best entities to turn to in times of financial needs. Are you looking for an access to extra cash right now? The offers of the EastWest Unibank are probably among the best options that you may consider.
EastWest Bank provides a variety of loan options. In addition to the EastWest Bank Auto Loan, the bank also offers a Personal Loan—commonly known as the EastWest Cash Loan. This flexible financing solution can be used for many purposes, such as travel, business expansion, personal purchases, or even car repainting.
EastWest Bank Cash Loan is designed to be simple and accessible. It does not require collateral or a co-maker, making the application process more convenient. The loan is available to Filipino citizens as well as foreign nationals who are permanent residents of the Philippines. Applicants must be at least 21 years old at the time of application and no older than 65 by the time the loan matures.
To qualify, borrowers need to provide at least one active landline number along with a mobile number. A minimum gross monthly income of ₱15,000 is also required. Once these conditions are met, applicants can explore the available loan amounts and interest rates offered under the EastWest Cash Loan.
Under the EastWest Bank Cash Loan program, borrowers can access amounts ranging from ₱25,000 up to ₱3 million. Repayment terms are flexible, with options from one year to as long as five years, or up to 60 monthly installments. This makes the loan suitable for both short-term needs and larger, long-term financial plans.
As for the EastWest Bank Cash Loan interest rates, these vary depending on the applicant’s credit profile. Factors such as whether you already hold a credit card or an existing bank loan, and the length of your credit history—typically at least nine months—can influence the rate applied. In general, EastWest Bank uses a monthly add-on rate of around 1.79%, which translates to effective annual interest rates ranging from about 39% to 47%, depending on the chosen loan term.
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: