Eastwest Personal Loan

Hello, everyone. I want to share my experience with my personal loan application at EastWest Bank (EWB).

For context, I have an estimated debt of ~380k from credit cards (overlimit) and digital apps. My CIBI credit score is 625 due to high utilization, but there are no overdue or default accounts.

I have been with my company for 10 years, and I am a senior manager with an income of almost 60k.

So eto na nga. I initially applied to BPI for a personal loan to consolidate debt.

March 5, 2026, via hotline and submitted documents. Acknowledged on March 9, 350k for 36 months.

On March 16, BPI texted to ask about the employer's availability, so I responded.

March 17, 2026, at exactly 12:00 noon – Declined 😢

I asked AI to recommend which bank I have the best chance of getting approved by. It recommended EWB. I asked if it was online or via a branch. It recommended the latter as a better mode.

March 17, 2026, 1:30pm kahit sobrang lubog ang confidence ko, I went to the EWB branch and submitted complete docs (ITR, COE, Payslips, CC statement na over limit).

March 27 – their representative informed me via a call that I was approved for 200k for 36 months 🤩 I will have my contract signing on Monday.

Not the full amount I requested, but it will surely help. The remaining amount, I will secure a loan from our company to fully consolidate.

For context, I had this debt because of the expenses of weekly postgrad classes in the metro.

Thank you, EWB, for giving me this chance. I shall use this amount wisely as I don’t want to be in the situation again, yung wala kang mapagsabihan.

Para sa mga katulad ko in this situation, may pagasa. Habang maaga pa at wala pang overdue at default, you already apply for personal loan for debt consolidation para high ang chance ng approval.