Car Loan – Fast Approval for Brand-New & Used Cars
Get pre-qualified in as fast as 1 business day. Flexible car financing for employed professionals, self-employed borrowers, OFWs, and first-time car buyers — with nationwide coverage across the Philippines.
Why Choose SAFC for Your Car Loan?
Owning a car in the Philippines is a big decision. At SAFC, we make the financing part easy — so you can focus on choosing the right vehicle, not worrying about the paperwork.
Fast Approval Process
Nobody wants to wait weeks to find out if they qualify. SAFC's credit evaluation process is built for speed. Most applicants receive a decision in as fast as 1 business day — so you can move forward with confidence, not uncertainty.
Flexible Financing Terms
Whether you're buying brand-new or financing a quality pre-owned vehicle, we offer repayment terms that fit your budget and lifestyle. Choose a schedule that works for you, not one that strains your monthly cash flow.
Nationwide Coverage
No matter where you are in the Philippines — Metro Manila, Cebu, Davao, or beyond — SAFC has branches and dealer partners to serve you. Our nationwide network means you get the same fast, reliable service wherever you are.
What Can You Use as Collateral?
If you’re a private car owner or managing a fleet of commercial trucks, SAFC’s Car Sangla OR/CR and Truck Sangla OR/CR Loans give you fast cash without giving up your vehicle. Keep driving while we help you fund what matters most.
Car Sangla OR/CR
Unlock the value of your private vehicle without surrendering it. Our CarOR/CR loan is perfect for personal financial needs.
- Keep Driving Your Car
- Fast Approval (as fast as 1 day)
- Loans from ₱50,000 up
- Low Monthly Interest (as low as 1.25%)
- No Hidden Fees
Truck Sangla OR/CR
Need extra funds for your transport or logistics business? Use your truck'sOR/CR and still operate as usual.
- Keep Your Truck Running
- Flexible Loan Terms
- Low Monthly Interest (as low as 1.50%)
- Business-Friendly Requirements
- Dedicated Support Team
Who Can Apply for a Car Loan?
First-Time Buyers
Build your credit and drive your first car without breaking the bank.
Business Owners
Expand operations with a second vehicle or delivery van.
Employed Professionals
Turn your steady income into your first or next car with financing that fits your monthly budget.
Self-Employed Professionals
We know your income may vary, but that shouldn’t stop you from getting a car loan.
OFWs
Finance a car in the Philippines while working abroad—secure your family’s future.
TNVS & Rideshare Drivers
Planning to drive for Grab, Joyride, or other TNVS platforms? We’ll help you finance a compliant vehicle.
Car Loan Requirements and Eligibility
To ensure a smooth and efficient loan application process, here’s a clear list of the documents you’ll need to submit. Having everything ready will help you get your Car Loan approved faster.
Borrower’s Basic Qualifications
- Must be a Filipino citizen
- 21 – 65 years old
- Has a steady source of income
- Has a working mobile number or landline
Proof of Income (Required)
- For Locally Employed Individuals:
- Latest Certificate of Employment (COE)
- Company ID
- Three (3) Latest Payslips or Payroll ATM (Bank Statement)
- For Self-Employed Individuals:
- Latest Business Permit
- DTI/SEC Registration
- Three (3) Months Latest Bank Statement
- For Employed Overseas (OFWs) / Receiving Remittances:
- Contract of Employment
- Proof of Remittance or Allotment
- VISA or E-Receipt (For OFWs)
- Seaman’s Book (For Seamen)
Vehicle Qualifications
- Accepting Japanese, Korean, Chinese, and American brands
💡Don’t Meet All the Requirements?
Our team can help you find alternative solutions. Co-borrowers, guarantors, or collateral arrangements may help strengthen your application.
How SAFC’s Car Loan Works
At SAFC, we’ve made the Auto loan process fast, simple, and transparent. Need cash for business, emergencies, or personal use? Just follow these 3 easy steps:
1
Submit Application
Visit a branch or apply online. Submit the necessary documents.
- Complete application form
- Submit required documents
- Choose your preferred car
- Initial consultation with our team
2
Credit Investigation & Evaluation
Quick processing in 1 business day.
- Credit background check
- Income verification
- Business evaluation
- Loan amount assessment
2
Loan Approval & Release
Once approved, complete the final requirements and proceed with the release process.
- Final document signing
- Loan agreement completion
- Fund release process
- Car registration assistance
Service Coverage
We are proud to offer our Auto Loan service across the Philippines. Whether you're in Metro Manila, Cavite, Laguna, Bulacan, or other provinces, we are here to help you get the funding you need. Our extensive coverage ensures that you can access our services no matter where you are.
Ready to Get Your Car Loan Today?
No complicated paperwork. No hidden charges. Just a smooth path to owning the car you need—whether for family, business, or personal growth. Let SAFC help you make it happen.