I have seen minimal branches of Chinatrust as I travel for office. I'm not aware that they are offering a salary stretch personal loan until I received a call from one of their bank representatives offering me a loan. They get my personal information beforehand from a certain bank of mine, considering my good credit standing, which serves as a basis for granting me a loan.
My first application went well and easy. There are certain documents I needed to provide them for accurate reference. After faxing I just waited for several days to know the status. One day, a bank officer gives me a call telling me the good news that I got approved for a loan. My initial interest rate I think was 1.79% per month for a 6 digit amount payable in 2 years. This loan was renewed and now I got my second renewal with 1.39% in interest per month payable in 36 years. The proceeds come in a money card (ATM like) where the net amount is deposited. Payments for the monthly amortizations are carried out through post dated checks, checks come from the bank itself.
I could say that Chinatrust is one of the banks that gave me reasonable loan amount and that availment and prepayment options are really great. I am keeping this loan active and will just let go of it once the business is established.