China Bank Savings Personal Loan

China Bank Savings Inc. is a member of China Banking Corp. Group, better known simply as China Bank. It started in September 2008 with about 50 employees in Makati and now has grown to more than 140 branches nationwide. Thanks to its merger with Planters Development Bank and Unity Bank. CBSvoffers retail banking, auto, housing and enterprise finance. Its special China Bank personal loan offer is fondly named Easi-Funds.



Easi-Funds: China Bank loan with no collateral

CBS's Easi-Funds is a personal loan product that is non-collateral. Meaning, it does not require a property or other assets from the borrower to secure a loan. It targets salaried and self-employed individuals who need cash instantly. 

Easi-Funds is versatile and boasts minimal documentation, no security, quick disbursal, and flexibility of purpose.

This loan may be used for any purpose. Hopefully, you’re not one of those who are barely making it. But having extra cash can sure help you out of financial woes if you know how to use it wisely. Meanwhile, here are the important numbers you need to know about the CBS loan:


₱20,000 to ₱1,000,000

The amount you can borrow from a personal loan, of course subject to CBS’s approval.


The one-time processing loan fee, deductible from the loan proceeds.

1.55% to 1.95%

The loan’s monthly interest rate.

2 to 48

The number of months the personal loan can be paid.

8% or ₱500

The penalty charged against your loan for past due balances.

5 days

The number of working days it takes for the China Bank loan to be approved.

Am I eligible for a China Bank personal loan?

Do you think you can qualify for the loan? You will if you are a 21 to 55-year-old Filipino citizen who has been employed or self-employed for at least three years. On top of that, your annual income should be at least ₱360,000. Lastly, you need to be a principal credit card holder. 

Here are the documents you need to submit for the China Bank personal loan application:

  1. Photocopy of two valid IDs like SSS, driver's license, voter's ID, and passport
  2. Photocopy or print-out of latest month's credit card statement of account
  3. Proof of income

    a. For the employed - photocopy of the last 3 month's pay slips or the latest income tax return

    b. For the self-employed - two years income tax return with matched audited financial statement, three months bank statement, DTI registration, and a list of customers and suppliers with contact details. 
  4. Filled-out application form

Take note that completion of these documents is not a guarantee that your loan application will be approved. So make sure that you prepare all the documents as required by the bank and follow the rules to the letter. 

China Bank online and offline loan application

CBS offers an easier way to start the application process online. First, make sure that you qualify for the CBS loan. If you do, then start compiling all the necessary requirements in one folder. Bring both the photocopy and original versions of the files to the bank. Remember, processing loan applications takes 5 working days. If approved, your loan will be released via manager's check or can be credited to your CBS account.

Compare Online: Why choose GoBear

There are too many options for loans, and more often, there is too little information about the loan that banks offer. You can now compare details of a Citbank personal loan with loans from other banks like BDO, BPI, Security Bank, Maybank and more. See a side-by-side comparison of fees, interest rates, and requirements if you compare with GoBear. The website is free and easy to use, created to help Filipinos make smarter financial decisions. Learn more about GoBear through the FAQ page.



China Bank personal loan requires borrowers to be a principal credit card holder. Compare loans with GoBear Philippines and see rates and fees in one glance.