This came through a phone call offering my husband for an all-purpose and no-collateral Chinatrust salary stretch loan. The interest rate, the loan able amount and the payment options are very flexible and competitive. We tried to avail for a 100, 000 peso loan and in one week time we received an ATM card where the proceeds of loan were deposited. We paid the monthly amortization for one year on time so they gave us a second offer of 165, 000 pesos @ 1.5% per month with 3 years to pay. We are done with the 1/3 part of this loan but their agents are already offering us for a renewal at a higher amount for us to get a substantial proceeds. The personal loan can be used freely by us to whatever purpose we wanted to and customer service is great. Application is very easy. They interviewed my husband over the phone about some personal information then told us to prepare some documents to be faxed in their office and then after that we received a call for the approval and details about the release.