Cathay United Bank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Cathay United Bank suits borrowers in Taiwan who want a large personal or secured loan from the lender itself, and it prices well against the field at an APR of 1.88%. The catch is the account management fee that comes with a new personal loan case.

Key facts

Best for
A single lender in Taiwan for a large personal or secured loan, with an APR of 1.88%.
APR
1.88% (Source, checked September 26, 2026)
Loan amount
NT$5,000,000 (Source, checked September 26, 2026)
Term
84 months (Source, checked September 26, 2026)
Arrangement fee
Account management fee NT$9,000 for new personal loan cases (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Loan types
Personal, Secured, Credit-line (Source, checked September 26, 2026)
Legal entity
Cathay United Bank Co., Ltd. (Source, checked September 26, 2026)
Headquarters
Taiwan (Source, checked September 26, 2026)
Founded
1975 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Features
Credit line
Official website
cathaybk.com.tw

Mortgages

Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Cathay United Bank Co., Ltd. (Source, checked September 26, 2026)
Headquarters
Taiwan (Source, checked September 26, 2026)
Founded
1975 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
WikidataWikipediaLinkedInfacebook.comyoutube.com

Pros and cons

Pros

  • Ranks 40 of 350 brands on APR, at 1.88%.
  • Borrows up to TWD 5,000,000 for a purchase or a remortgage across a term of 84.
  • Covers personal, secured and credit line lending under direct lender, so you deal with the bank rather than a broker.

Cons

  • Every case runs a hard credit check, listed as hard.
  • New personal loan cases carry an account management fee alongside a rate of 1.88%.
  • A term of 84 runs well past the site median, which sits at 36.
Cathay United Bank

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Scored 9.6 / 10 by BorrowCue.

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Who it suits

  • Borrowers in Taiwan who want personal, secured or credit line lending from the lender itself rather than a broker.
  • People buying or remortgaging a property, since purchase and remortgage cover both uses.
  • Applicants ready for a hard credit check, given hard.

Who should look elsewhere

  • Anyone who wants to draw a credit line in stages, since Monzo Flex prices its line at 10% to 23%.
  • Borrowers after an app-first application, since Cashspace quotes a range of PHP 12 to PHP 36 on a single market.
  • Anyone whose own market rate sits low, since Cashspace ES is listed at 0%.

How Cathay United Bank compares

Where Cathay United Bank is available

Available
Taiwan

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Cathay United Bank charge on a personal loan?+

The bank quotes an APR of 1.88% on its personal loan product, well below where most of the lenders on the site sit. The site median runs at 12%, so the gap is wide. Loans reach TWD 5,000,000 over a term of 84.

What fees come with a new personal loan?+

New personal loan cases pay an account management fee, alongside a rate of 1.88% on the product page. The published charge is written for new cases, so anyone already banking with the bank should check the current terms. Budget for the fee as well as the interest when you compare.

Does applying affect my credit file?+

Yes. The credit check on these loans is hard, listed as hard, so an application adds a full search to your file. If you already have recent searches, that is worth weighing first, because a new one joins them.

How much can I borrow, and over what term?+

Up to TWD 5,000,000, with a term of 84. The site median amount among compared lenders is €876.96, so the ceiling here sits well above a typical personal loan. The arrangement is direct, direct lender, so the amount and term come from the bank itself.

What kinds of loan does the bank offer?+

personal, secured and credit line cover the range, so personal loans, secured lending and a credit line all sit with one bank. The listed feature is a credit line, credit line, so the products run beyond a single fixed term loan. The bank lends as a direct lender, direct lender, which keeps the decision with the bank.

What can I use the loan for?+

The stated purposes are purchase and remortgage, so buying a home and remortgaging both fit. The secured product in the range suits borrowing against an asset when the purpose sits outside those two. Anything else needs a direct answer from the bank before you sign.

How do I get hold of the bank?+

Support runs on email, chat and phone, so email, chat, phone and a help centre are all listed ways in. Having phone alongside email gives room to ask about fees and terms in writing before you apply. The bank is based in Taiwan.

How long has Cathay United Bank been around?+

The bank has been trading since 1975 and is headquartered in Taiwan, lending under the legal entity Cathay United Bank Co., Ltd. Its lending is a direct arrangement, direct lender, rather than a broker placing you elsewhere. Borrowing runs in local currency against a term of 84.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Funding time, Representative example.

Cathay United Bank

Cathay United Bank

A single lender in Taiwan for a large personal or secured loan, with an APR of 1.88%.

9.6/10See alternatives

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