BiyaHERO Loan – Financing for TNVS, Taxi & UV Express Operators
Need extra funds to fuel your dreams or deal with an emergency? With SAFC's PUV Loan, you can use your vehicle's OR/CR as collateral and get quick, flexible financing.
Why Choose BiyaHERO Loan?
We know the daily grind of Filipino transport heroes — the long hours, the maintenance costs, and the goal to keep things running. That’s why SAFC’s BiyaHERO Loan is built for you. As a PUV driver, operator, or fleet owner, you can count on flexible, easy, and fast financing to help you grow, earn more, and keep driving toward your dreams.
Here’s why SAFC is the trusted choice for your PUV loan needs:
Fast Approval Process
Quick evaluation and release, so you can get back on the road.
Simple Requirements
No complicated paperwork—just submit your OR/CR and valid franchise to qualify.
Transparent Fees
No hidden charges, no surprises in your loan terms.
Empowering Filipina Entrepreneurs with Flexible, Vehicle-Based Financing
At SAFC, we believe in the power and potential of Filipina-led businesses. From launching your first venture to scaling an existing one, this loan is built to support your journey — on your terms.
A Loan Made for PUV Owners and Operators
JUANAsenso is more than just financial support. It’s inclusive financing built with empathy and understanding. We help women entrepreneurs access fast capital through their vehicle’s OR/CR, while keeping the vehicle they rely on every day.
Drive Forward Without Delay
Need funds for emergency bills, home improvement, or business expansion? You can unlock your vehicle’s value through refinancing — get the cash you need without giving up the wheels that power your income.
Built for You
The PUV Loan is designed for hardworking drivers and operators who move communities forward every day. You deserve a financing partner that understands your journey — one that helps you stay on the road toward success.
When Is the PUV Loan Right for You?
Emergency or Personal Needs
Life can be unpredictable. When emergencies arise, your PUV Loan can give you quick access to cash for medical expenses, family needs, or other urgent situations.
Home Renovation and Repairs
Make home upgrades easier. The BiyaHERO Loan covers repairs, upgrades, and daily household needs while keeping your income steady.
Business Diversification
Looking to branch out into other income streams? The BiyaHERO Loan gives you the capital to expand your livelihood and explore new opportunities on and off the road.
Fleet Expansion or Vehicle Upgrade
Grow your transport business by adding more units or upgrading your existing ones. With the BiyaHERO Loan, you can keep your fleet road-ready and competitive.
Franchise Renewal or Application
Secure the funds you need for franchise fees, renewals, or other LTFRB requirements. The BiyaHERO Loan helps ensure your operations continue smoothly without interruption.
Financial Cushion for Off-Season Months
Slow season? Keep operations afloat even during off-peak months with a PUV Loan that gives you the flexibility to manage cash flow and prepare for busier days ahead.
Accepted Vehicle Types for BiyaHERO Loans
UV Express Units
Fully built or under-construction standalone houses suitable for personal or family use.
Taxi Units
Stay road-ready and compliant while earning steadily. Whether you’re upgrading your unit or covering operating costs, your taxi qualifies for our PUV Loan.
TNVS Vehicles (Grab, InDrive, Angkas, etc.)
For app-based drivers who keep the city moving. Use your PUV Loan to maintain, upgrade, or expand your TNVS service — because every ride counts.
BiyaHERO Loan Eligibility Requirements
To make your application fast and hassle-free, here’s a simple checklist of what you’ll need to qualify for the SAFC BiyaHERO PUV Loan. Having these ready helps ensure a smoother, quicker approval process.
Borrower’s Basic Qualifications
- Must be a Filipino citizen
- 21 – 65 years old
- Open to PUV operators, TNVS drivers, and small transport business owners
- Must be the registered owner or authorized operator of the public utility vehicle
- Vehicle must be actively used for public transport (e.g., UV Express, Taxi, TNVS)
- Vehicle must not be under active mortgage or encumbrance
Primary Documents (Required)
- Latest OR/CR of the vehicle
- Proof of income (employment, business, or transport operation)
- Valid government-issued ID (with signature and photo)
- Barangay Business Permit or Mayor’s Permit
- LTFRB franchise documents or TNVS accreditation (Grab, InDrive, etc.)
- Latest Proof of Billing (under borrower or household)
Additional Documents (Proof of Income)
For Locally Employed Individuals:
- LTFRB franchise certificate or TNVS accreditation proof
- Operator’s contract, booking records, or trip earnings summary
- Latest 3 months bank statement or e-wallet transaction history
For Self-Employed Operators / Transport Business Owners:
- Latest Business Permit
- DTI/SEC Registration
- Three (3) Months Latest Bank Statement
For Employed Borrowers (with PUV sideline):
- Certificate of Employment (COE)
- Company ID
- Three (3) latest payslips or payroll ATM record
Vehicle Qualifications
- Accepted vehicle types: UV Express, Taxi, TNVS (Grab, InDrive, etc.), Multi-Cab, Pickup Truck, Light Delivery Van
- Car models from 8 years old and newer only
- Accepting Japanese, Korean, Chinese, and American brands
- Vehicle must be registered under the borrower or co-borrower
- Vehicle must be in good running and physical condition
Don't meet all requirements?
Our team can help you find alternative solutions. Co-borrowers, guarantors, or collateral arrangements may help strengthen your application.
How SAFC’s Housing Loan Works
At SAFC, we’ve made the PUV loan process fast, simple, and transparent. Need cash for business, emergencies, or personal use? Just follow these 3 easy steps:
1
Submit Application
Visit your nearest SAFC branch or fill out the Application Form and email it to your chosen branch. Prepare the basic documents needed. Our product experts are ready to guide you every step of the way!
2
Vehicle Inspection & Loan Approval
After submitting your documents, our team will conduct a quick inspection to evaluate your vehicle’s condition and value. You’ll receive your loan approval within 1 business day—no long waits, no hidden steps.
2
Loan Disbursement & Repayment
Once approved, your loan is released immediately—so you can use the cash right away. Enjoy affordable monthly payments with low interest and repayment terms tailored to your needs—up to 5 years.
Service Coverage
We are proud to offer our BiyaHERO 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.
Take the driver’s seat in your financial journey.
You’ve worked hard to keep your vehicle — now let it work for you. Whether for maintenance, renewal, or business capital, SAFC’s PUV Loan is here to support your goals. Inquire today and drive your success forward.