Financing
Flexible options for buyers financing a car — and for dealers unlocking working capital from inventory.
Car loan for buyers
Finance your pre-owned car with low monthly rates and fast approval through our lending partners.
💸 Interest rate
From 1.40% per month (add-on rate, subject to credit approval).
📄 Chattel / processing fee
6.95% one-time, on the amount financed.
🗓️ Flexible terms
Choose a tenor that fits your budget and pay in easy monthly installments.
⚡ Fast approval
Quick assessment — get your offer and drive home sooner.
Final rate and terms depend on the unit, loan amount and credit assessment. Message us for a personalized quote.
Talk to us about financingDealer Stock Financing
Grow your dealership: unlock cash from your inventory using your OR/CR. We securely safeguard the documents while you seize opportunities — and you only pay for the days you use the capital, with no prepayment penalties.
✅ Hassle-free onboarding
Simple sign-up and a credit line you can draw from anytime.
⚡ Quick disbursal
Funds released within 24 hours of OR/CR submission.
🗓️ Up to 90 days
Loan terms up to 90 days, with renewal checkpoints on day 30 and day 60.
🔁 Flexible repayment
Prorated — pay only for the days you use, minimum 7 days, no prepayment penalty.
🔒 OR/CR safekeeping
Stored in a fire- and water-proof safe, returned within 2 hours of proof of payment.
Key terms
- Interest rate starts at 1.75% per month (subject to credit assessment and approval).
- Processing Fee & DST of 1.68%, deducted upfront from the proceeds.
- Loan term up to 90 days, with renewal checkpoints on the 30th and 60th day.
- Pay only for the days you use the capital — minimum 7 days, no prepayment penalties.
Sample computation
Based on a ₱500,000 loanable amount.
| 7 Days | 15 Days | 1 Month | |
|---|---|---|---|
| Loanable amount | ₱500,000 | ₱500,000 | ₱500,000 |
| Interest rate (monthly) | 1.75% | 1.75% | 1.75% |
| Processing fee & DST (upfront) | 1.68% | 1.68% | 1.68% |
| Net proceeds | ₱491,600 | ₱491,600 | ₱491,600 |
| Interest amount | ₱2,041.67 7 days | ₱4,375.00 15 days | ₱8,750.00 30 days |
Repayments
Pay early or on time
Pay off (full or partial) anytime on or before the 30th day — minimum 7 days, prorated to the days used. Pay via online bank transfer, on-us cheque, PDC or BDO cash deposit.
Renew at day 30 / 60
If you can't pay in full, renew by paying interest for the elapsed days, a 1% renewal fee and 10% of principal. The 10% reduces the principal — interest then accrues on the remaining 90%.
OR/CR safekeeping
Your OR/CR is kept in a fire- and water-proof safe while the loan is active, and returned within 2 hours of proof of payment.
How to use your credit line
Once your credit line is approved, take multiple loans — each secured by a single car (via its OR/CR). Each loan can start on different dates with its own amount and maturity date.
Example — an approved credit line of ₱5,000,000 with four active loans (₱500k, ₱400k, ₱600k and ₱1,000,000) against four units leaves ₱2,500,000 of the line still available.
Apply for Dealer Stock Financing