E.Sun Bank (玉山銀行), officially incorporated as E.Sun Commercial Bank, Ltd., is one of Taiwan's leading financial institutions, consistently ranked among the top private banks in the country. Headquartered in Taipei, the bank operates over 130 branches nationwide and serves millions of individual and corporate clients. Its reputation for digital innovation, customer service, and a comprehensive suite of lending products makes it a key player in Taiwan's banking landscape. This guide provides a detailed, factual overview of E.Sun Bank's loan offerings, credit card products, application processes, and associated costs, helping you make informed financial decisions.

Whether you are a salaried employee seeking a credit loan, a business owner needing working capital, or a consumer looking for a rewards credit card, E.Sun Bank offers tailored solutions. Understanding the specific terms, interest rates, and fees is essential before committing to any financial product. This article breaks down each category, referencing real product names, current interest rate ranges, and practical application steps.

Personal Loans and Credit Loans at E.Sun Bank

E.Sun Bank provides several unsecured personal loan products under the umbrella of its credit loan (信用貸款) category. These loans are designed for individuals who need funds for purposes such as debt consolidation, home renovation, medical expenses, or education. The bank does not require collateral for these loans, but approval depends heavily on the applicant's credit history and income stability.

Key Personal Loan Products

  • E.Sun Good Credit Loan (玉山好信貸): A popular unsecured loan for individuals with a stable job and good credit score. Loan amounts range from NT$100,000 to NT$3,000,000, with repayment terms from 1 to 7 years. The advertised annual percentage rate (APR) typically starts at 2.68% for preferred customers, but the actual rate depends on the applicant's credit profile.
  • E.Sun eLoan (玉山e速貸): An online-exclusive product that emphasizes speed and convenience. Borrowers can apply entirely through the bank's mobile app or website, and receive a decision within minutes. The APR for eLoan ranges from 3.5% to 15.99%, with a handling fee (手續費) of NT$3,000 to NT$9,000, which is deducted from the loan principal upon disbursement.
  • E.Sun Employee Loan (玉山員工貸款): A preferential loan product available exclusively to employees of E.Sun Financial Holding Group and its subsidiaries. Interest rates are typically lower than standard products, often below 2.5% APR, with flexible repayment options.

Interest Rates and Fees

E.Sun Bank's personal loan interest rates are variable and tied to the bank's base rate (玉山銀行定儲利率指數). As of mid-2025, the base rate is approximately 1.72% per annum. The actual APR for a credit loan includes the base rate plus a margin that reflects the borrower's risk, ranging from 1% to 10% or more. Additional fees include:

  • Handling Fee (手續費): Typically NT$3,000, NT$9,000 for most unsecured loans, non-refundable even if the loan is not fully drawn.
  • Early Repayment Penalty (提前清償違約金): If you repay the loan in full within the first 12 months, a penalty of 3% to 5% of the outstanding principal applies. After 12 months, there is usually no penalty.
  • Late Payment Fee (滯納金): NT$300, NT$1,000 per missed payment, plus an increased APR of up to 16% on the overdue amount.

For a detailed comparison of personal loan costs across banks, refer to our guide on comparing the best credit loans in Taiwan.

Application Requirements

To apply for a personal loan at E.Sun Bank, you must meet the following criteria:

  • Age between 20 and 65 years old.
  • ROC (Taiwan) citizen or foreign national with valid ARC (Alien Resident Certificate) and work permit.
  • Minimum annual income of NT$300,000 for salaried employees, or NT$360,000 for self-employed individuals.
  • Clean credit history as per the Joint Credit Information Center (JCIC) report. A credit score above 600 is generally preferred.
  • Employment at the same company for at least 3 months (or 6 months for contract workers).

Applicants must provide recent proof of income (salary slips or tax returns), a copy of their national ID, and a completed application form. The bank may also request a copy of the labor insurance record (勞保異動明細) to verify employment stability. For more details on what lenders look for, read our article on credit loan requirements in Taiwan.

Credit Cards and Consumer Financing

E.Sun Bank is renowned for its innovative credit card portfolio, which includes co-branded cards with major retailers, airlines, and entertainment brands. The bank issues Visa, Mastercard, and JCB cards, offering a range of rewards, cashback, and installment plans.

Popular E.Sun Credit Cards

  • E.Sun U Bear Card (玉山U Bear卡): A cashback card with 5% cashback on online shopping (capped at NT$300 per month), 3% on supermarket purchases, and 1% on all other spending. Annual fee is waived for the first year, and NT$2,000 thereafter unless spending exceeds NT$120,000 per year.
  • E.Sun Pi Wallet Card (玉山Pi 拍錢包信用卡): Co-branded with Pi Wallet, a popular mobile payment platform in Taiwan. Offers 4% Pi Points on all spending, with bonus points for purchases at specific merchants like PChome and Shopee. Annual fee is NT$2,400 but waived for life if you activate the card and make one purchase within 60 days.
  • E.Sun World Card (玉山世界卡): A premium travel card offering airport lounge access, travel insurance, and 1.5% cashback on foreign currency spending. Annual fee is NT$20,000, but it is often waived for high-net-worth clients or those with NT$3 million in assets with the bank.
  • E.Sun Only Card (玉山Only卡): A lifestyle card that provides tiered rewards (up to 6% discount) at over 10,000 partner merchants, including Eslite Bookstore, Watsons, and Carrefour. Annual fee is NT$1,800, waived for the first year.

Installment Plans and Revolving Credit

E.Sun Bank offers three main types of consumer financing through its credit cards:

  • Single Installment (單筆分期): For purchases over NT$1,000, cardholders can opt for 3, 6, or 12 interest-free installments. A handling fee of 0.5% to 1% per installment is charged, depending on the merchant agreement.
  • Revolving Credit (循環信用): If you do not pay the full statement balance, the remaining amount is subject to revolving credit interest. The APR for revolving credit at E.Sun Bank ranges from 6.75% to 15%, calculated daily on the outstanding balance. The minimum payment is 2% of the total statement amount or NT$300, whichever is higher.
  • Card Loan (信用卡貸款): A pre-approved cash advance facility linked to your credit card. You can borrow up to 30% of your credit limit, with a fixed APR of 8% to 12% and a handling fee of NT$100, NT$300. The loan is repaid in equal monthly installments over 6 to 24 months.

Understanding the true cost of revolving credit is crucial. We recommend reading our article on what APR is to see how interest accumulates.

Auto Loans and Vehicle Financing

E.Sun Bank provides both new and used car loans, as well as motorcycle financing, through its auto loan division. The bank partners with major dealerships across Taiwan, including Hotai Motor (和泰汽車), Honda Taiwan, and Yamaha Motor, to offer preferential rates.

Car Loan Products

  • E.Sun New Car Loan (玉山新車貸款): For the purchase of brand-new vehicles from authorized dealers. Loan amounts can cover up to 90% of the car's invoice price, with a maximum loan term of 7 years. The APR for new car loans starts at 1.98% for the first year and then adjusts to 2.5%, 4.5% for the remaining term. A handling fee of NT$3,500, NT$5,000 is applied.
  • E.Sun Used Car Loan (玉山中古車貸款): For used cars up to 8 years old. Loan amounts are up to 80% of the car's appraisal value, with terms up to 5 years. The APR is higher, ranging from 3.5% to 8.5%, reflecting the higher risk of depreciation. A handling fee of NT$5,000, NT$7,000 is charged.
  • E.Sun Green Car Loan (玉山綠能車貸款): A special product for electric vehicles (EVs) and hybrid cars. Eligible models include Tesla, Nissan Leaf, and Toyota Prius. The APR starts at 1.68% for the first year, and the loan term can extend up to 7 years. Additionally, the handling fee is reduced to NT$2,000.

Motorcycle Loans

E.Sun Bank also finances motorcycles, including both gasoline and electric models. The E.Sun Motorcycle Loan (玉山機車貸款) covers up to 100% of the purchase price for new motorcycles (up to NT$250,000) and 80% for used ones (up to NT$100,000). Terms range from 1 to 5 years. The APR for motorcycle loans is generally 3.5%, 7.5%, depending on the model and the borrower's credit score. A handling fee of NT$2,000, NT$3,000 is standard. For a broader view of motorcycle financing options, see our motorcycle loan guide for Taiwan.

Loan-to-Value and Insurance Requirements

For all auto loans, E.Sun Bank requires comprehensive vehicle insurance (車體險) with the bank named as the loss payee. The minimum insurance coverage includes:

  • Compulsory liability insurance (強制險), mandatory by law.
  • Third-party liability insurance (第三人責任險), minimum NT$2 million per accident.
  • Vehicle damage insurance (車體險), at least for the loan amount.

The loan-to-value (LTV) ratio is capped at 90% for new cars and 80% for used cars. The borrower must also pay a registration fee (過戶費) of approximately NT$600, NT$1,200, depending on the vehicle's engine size.

If you are considering financing a vehicle, our comprehensive car loan guide for Taiwan provides step-by-step advice on choosing the right product.

Mortgage and Home Equity Loans

E.Sun Bank is a major mortgage lender in Taiwan, offering products for first-time homebuyers, property investors, and those looking to refinance. The bank's mortgage portfolio includes fixed-rate and adjustable-rate options, as well as government-backed schemes.

Home Purchase Loans

The standard E.Sun Home Loan (玉山房屋貸款) offers the following terms:

  • Loan amount: Up to 80% of the property's appraised value for first-time buyers, and up to 70% for second homes or investment properties.
  • Loan term: Up to 30 years, with a maximum age at maturity of 75 years for the borrower.
  • Interest rate: For the first 2 years, the APR is typically 1.6%, 1.8% (fixed), then adjusts to the bank's base rate plus 0.8%, 1.5% (variable).
  • Handling fee: NT$5,000, NT$10,000, plus a property appraisal fee (鑑價費) of NT$3,000, NT$6,000.
  • Early repayment penalty: 1% of the outstanding principal if repaid within the first 3 years.

Home Equity Loans

For homeowners who have built up equity, E.Sun offers a Home Equity Line of Credit (房屋淨值貸款) known as the E.Sun House Rich Loan (玉山房好貸). This product allows you to borrow up to 85% of your home's appraised value minus the outstanding mortgage balance. The APR is variable, starting at 2.2%, and the line of credit can be used for any purpose, home renovation, education, or investment. The draw period is up to 10 years, followed by a repayment period of up to 20 years.

As with any secured loan, defaulting on a mortgage can lead to foreclosure. It is important to understand the difference between secured and unsecured borrowing. Our article on secured vs unsecured loans explains the risks and benefits.

Digital Banking and Online Services

E.Sun Bank has invested heavily in digital infrastructure, earning recognition as one of Taiwan's most innovative digital banks. Its mobile app, E.Sun Wallet (玉山Wallet), has over 5 million registered users as of 2025. The app provides a full range of services:

  • Account management: View balances, transaction history, and download e-statements.
  • Loan applications: Apply for credit loans, credit cards, and auto loans directly from the app. The eLoan product, mentioned earlier, is fully digital.
  • Bill payments: Pay utility bills, credit card bills, and taxes using the app's QR code scanner.
  • Fund transfers: Real-time transfers between E.Sun accounts and to other banks via the Taiwan Pay system.
  • Foreign exchange: Convert currencies at preferential rates for online transactions.

E.Sun Online Banking Security

The bank employs multi-factor authentication (MFA) for all online transactions. This includes a one-time password (OTP) sent via SMS, a device binding feature, and biometric login (fingerprint or facial recognition). E.Sun also offers a virtual credit card (玉山虛擬信用卡) for online shopping, which generates a unique card number for each transaction, reducing the risk of fraud.

Customers can also use the bank's 24/7 customer service hotline (0800-301-313) for assistance with digital banking issues. The bank's physical branches remain open Monday to Friday from 9:00 AM to 3:30 PM, but most routine transactions can be handled online.

How to Check Your Eligibility and Credit Score

Before applying for any loan or credit card at E.Sun Bank, it is wise to check your credit score through the Joint Credit Information Center (JCIC). E.Sun Bank, like all Taiwanese lenders, uses the JCIC credit report to evaluate applicants. Your score ranges from 200 to 800, with higher scores indicating lower risk.

You can obtain your JCIC report for free once per year by visiting the JCIC website or using the E.Sun Wallet app, which provides a simplified credit score check service for a fee of NT$80 per query. The report includes your payment history, outstanding debts, credit utilization ratio, and any negative records such as defaults or delinquencies.

To improve your chances of approval, aim for a credit score above 650 for unsecured loans and above 600 for secured loans. If your score is lower, consider taking steps to improve it before applying. Our guide on how to check your credit score provides a step-by-step process, and our article on improving your credit score in Taiwan offers practical tips.

Fees and Hidden Costs to Watch For

While E.Sun Bank is generally transparent about its fees, borrowers should be aware of several common charges that can increase the total cost of borrowing:

  • Account Management Fee (帳戶管理費): Some loan products, particularly personal loans, may charge a monthly fee of NT$100, NT$200 for maintaining the loan account. This is often waived for customers who also hold a savings account with the bank.
  • Credit Insurance (信用保險): E.Sun Bank may offer optional credit insurance that covers loan repayments in case of job loss, disability, or death. The premium is typically 0.5%, 1% of the loan amount per year, added to the monthly payment.
  • Notary Fees and Stamp Duty (公證費及印花稅): For mortgage loans, notary fees of about NT$1,000, NT$3,000 and stamp duty of 0.1% of the loan amount are required.
  • Prepayment Penalty (提前清償違約金): As mentioned, unsecured loans often have a 3%, 5% penalty if repaid within the first 12 months. For mortgages, the penalty is 1% if repaid within 3 years.

Always read the loan agreement carefully and ask the bank representative to explain all fees in writing. Our article on hidden fees in loan agreements can help you identify less obvious charges.

For a complete overview of personal finance and lending in Taiwan, including comparisons with other major banks like CTBC, Cathay United, and Taishin, refer to our complete guide to personal finance and lending in Taiwan.

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