Every hardworking Filipino knows what it’s like to juggle daily expenses, sudden emergencies, and the dream of building something better for your business, your family, or yourself. That’s why the BiyaHERO PUV Loan was created, a flexible financing solution that gives you the freedom to move forward, no matter what your goals are.
Designed especially for TNVS, taxis, and UV Express drivers and operators, this loan can serve as a smart financial partner that helps you upgrade your unit, manage business costs, or expand your operations with ease. But that’s not all, the BiyaHERO PUV Loan also gives you the option to use your funds for personal needs, such as home improvements, education, medical emergencies, or even starting a new side business.
With BiyaHERO PUV Loan, you can access quick and reliable financing using your vehicle’s OR/CR as collateral (Sangla OR/CR), all through a trusted financial institution that has long supported Filipino drivers and entrepreneurs.
Why Choose SAFC BiyaHERO PUV Loan?
Being on the road every day teaches you one thing, every kilometer counts. Whether you’re a TNVS driver taking passengers through city traffic, a taxi operator running a fleet, or a UV Express driver connecting commuters to their destinations, your vehicle isn’t just a ride, it’s your source of livelihood.
That’s why the BiyaHERO PUV Loan was designed to keep you moving forward. It’s more than just another PUV Loan offer, it’s a partner in progress for every hardworking driver who dreams of stability and success.
1. Designed Specifically for Public Utility Vehicles
Unlike typical personal or auto loans, the BiyaHERO PUV Loan is built especially for PUV operators and drivers — those who rely on their vehicles to earn a living. Whether you’re running a TNVS car (like Grab, InDrive, or Joyride), a taxi, or a UV Express unit, this loan is made to match your business needs.
You can apply using a vehicle that has a valid franchise, Certificate of Public Convenience (CPC), or even a Provisional Authority (PA),giving you flexibility to apply even if your franchise renewal is in progress.
It’s a financing solution made for real people with real livelihoods and crafted to help you maintain, upgrade, or grow your PUV operations without financial strain.
With BiyaHERO PUV Loan, you don’t have to stop your journey just because of money matters.
2. Hassle-Free and Accessible
Let’s be honest, paperwork can be a headache, especially when you’re always on the road. That’s why BiyaHERO keeps things simple and driver-friendly. Applying for a TNVS loan, UV Express financing, or taxi loan has never been easier.
With minimal requirements, a quick application process, and fast approval, you can get your loan processed without disrupting your daily trips. No need to worry about overly complicated forms or endless back-and-forths.
Plus, BiyaHERO PUV Loan offers competitive interest rates starting at just 1.5% per month and flexible loan terms of 12 to 24 months, giving you the breathing room you need to manage your payments comfortably.
Whether you’re applying as an individual driver or a small business operator, BiyaHERO makes sure the process stays smooth, fair, and within reach.
Because we believe every driver deserves a chance to move forward without getting stuck in paperwork.
3. Use Your Vehicle as Collateral
What makes BiyaHERO truly unique is its Sangla OR/CR system — a practical and proven way for drivers to access cash without giving up their vehicle.
With this setup, you can unlock the value of your car’s OR/CR and use it as collateral for your loan. That means you’ll still get to use your vehicle for daily operations while your loan is being paid off, no downtime, no loss of income.
This makes BiyaHERO perfect for drivers or operators who need extra working capital, funds for vehicle maintenance, business expansion, or even personal needs like home repairs, education, or medical emergencies.
It’s a simple, secure, and practical way to make your hard-earned asset work for you.
With BiyaHERO’s Sangla OR/CR option, your vehicle keeps earning while helping you achieve more.
Through BiyaHERO PUV Loan, Filipino drivers and operators now have a trusted financing partner that understands their needs — reliable, transparent, and committed to helping them reach their goals on and off the road.
Benefits of BiyaHERO PUV Loan
Here’s why thousands of Filipino drivers and operators can trust this PUV Loan Philippines program to support their journey, whether they’re behind the wheel of a TNVS car, UV Express van, or a taxi serving passengers across the city.
- Up to 70% of your vehicle’s fair market value
- Low monthly rates – starting at 0.99% for new accounts
- Fast approval and flexible loan terms (up to 24 months)
- Comprehensive insurance coverage for added protection
- Open to both individuals and corporations (excluding cooperatives)
At the end of the day, BiyaHERO PUV Loan is more than just a loan. It’s a helping hand for those who keep our cities moving — drivers, operators, and entrepreneurs who turn every ride into an opportunity.
“Because when your vehicle is your livelihood, every kilometer counts and we make sure you never have to hit the brakes on your goals.”
Eligibility Criteria
If you’re thinking, “Pwede kaya ako dito?” good news! The BiyaHERO PUV Loan is made especially for hardworking Filipino drivers and operators who rely on their vehicles for a living. Whether you’re in the TNVS, taxi, or UV Express business, this loan gives you the boost you need to keep your wheels turning and your income growing.
Here’s what you need to qualify:
✅ Must Be an Active TNVS, UV Express, or Taxi Operator/Driver
This PUV Loan program is open to both individual drivers and registered operators. Whether you’re a full-time Grab driver, a taxi owner with several units, or managing a small UV Express business — you’re eligible to apply.
If you’ve been on the road for a while and have a steady route or booking flow, this loan can help you upgrade your vehicle, expand your fleet, or even set aside funds for personal goals.
✅ Vehicle Must Be 8 Years Old or Newer
To ensure safety and reliability, your unit should be 8 years old or newer. Newer vehicles not only meet government and operator standards but they also help you attract more passengers and maintain better performance on the road.
If you’re planning to upgrade an older vehicle, you can even use your TNVS loan or taxi loan to finance a replacement — without the heavy upfront cost.
✅ Must Have a Valid Franchise, CPC, or Provisional Authority (PA)
Your franchise or operating authority serves as proof that your vehicle is legally allowed to operate. Whether it’s a Certificate of Public Convenience (CPC) or a Provisional Authority (PA), make sure your papers are updated and valid.
This step ensures that your loan application moves smoothly and it also shows that your business is compliant with LTFRB standards.
✅ Must Pass Credit and Insurance Requirements
As with any financial product, applicants need to pass a credit investigation and insurance assessment. Don’t worry, this process is simple and straightforward. It just helps confirm your repayment capability and ensures both you and your vehicle are protected throughout the loan term.
If you’ve been consistent with your payments or have no outstanding loans, your chances of quick approval are even higher.
Tip:
Even if you’re new to the public transport business, you can start preparing now. Make sure your documents are in order, your vehicle is well-maintained, and your income records are clear. This will help you get approved faster and enjoy the benefits of the BiyaHERO PUV Loan without hassle.
Because at the end of the day, this loan isn’t just about financing, it’s about helping you move forward with confidence, knowing that your hard work on the road is backed by a trusted partner in financing.
Loan Requirements
Applying for the BiyaHERO PUV Loan is easy and straightforward. No need to stress over complicated paperwork. Just prepare a few important documents to get your PUV Loan application rolling smoothly. These papers help verify your vehicle ownership, income, and legal operation, ensuring a faster and more secure approval process.
Here’s what you’ll need to prepare:
✅ Original OR/CR
Your Official Receipt (OR) and Certificate of Registration (CR) are your primary proof that the vehicle is yours. These documents are also used if you’re planning to apply through the sangla OR/CR option — where you can use your vehicle’s papers as collateral while still driving your unit daily.
This setup lets you keep earning from your vehicle while unlocking the funds you need for maintenance, emergencies, or expansion.
✅ Valid Franchise or Permit to Operate
If you’re running a taxi, TNVS, or UV Express unit, you’ll need to show your valid franchise or operating permit. This ensures that your vehicle is officially authorized by LTFRB and actively serving passengers. It’s a key requirement for approval since the BiyaHERO PUV Loan is designed specifically for legitimate public transport operations.
✅ Provisional Authority (PA) or Certificate of Public Convenience (CPC)
Don’t worry if your franchise is still under processing, a Provisional Authority (PA) will do for now. But once your Certificate of Public Convenience (CPC) is released, make sure to update your file. Having these documents ready helps speed up the loan verification process, giving you access to funds sooner.
✅ Proof of Income, 2 Valid IDs, Proof of Billing, and Proof of Residency
To complete your TNVS loan, taxi loan, or UV Express financing application, you’ll also need to submit a few personal documents. These help confirm your identity, address, and ability to repay:
- Proof of Income – This could be a payslip, remittance record, or even a daily/weekly income summary if you’re self-employed.
- 2 Valid IDs – Government-issued IDs such as Driver’s License, UMID, or Passport.
- Proof of Billing – Utility bills (like electricity or water) under your name or household address.
- Proof of Residency – Barangay certificate or lease agreement to confirm your home address.
These simple documents help lenders get a clear picture of your financial situation, ensuring a fair and responsible loan offer.
✅ Completed Loan Application Form
Lastly, fill out the BiyaHERO PUV Loan Application Form completely and honestly. The details you provide will help the evaluation team process your request faster and tailor the best possible financing terms for your needs.
Note:
Additional documents may be requested during credit evaluation, especially if you’re applying under a business name or corporation. But don’t worry, the process is transparent, and our team will guide you every step of the way.
Getting your requirements ready ahead of time not only saves you from delays but also shows that you’re a responsible and prepared borrower — something lenders appreciate. Once everything is set, you’re ready for the next step: how to apply and get approved fast.
Unique Features
When it comes to choosing the right PUV Loan Philippines, you want something that’s not just flexible but also designed with drivers and operators in mind. That’s what makes BiyaHERO PUV Loan different. It’s built around your everyday needs, whether you’re driving a TNVS unit, managing a UV Express route, or operating a taxi fleet.
Here’s what sets BiyaHERO apart from other financing options:
Sangla OR/CR System – Drive While You Borrow
Unlike traditional car loans where you might lose access to your vehicle during the loan period, BiyaHERO offers the sangla OR/CR system. This means you can use your vehicle’s Official Receipt (OR) and Certificate of Registration (CR) as collateral, without surrendering the car itself.
You can still drive your TNVS, taxi, or UV Express vehicle daily, keep earning, and pay off your loan on your own terms. This setup is perfect for those who rely on their vehicles for income but also need quick funds for maintenance, emergencies, or expansion.
It’s financial freedom on wheels, literally!
Co-Borrower Friendly – More Chances of Approval
We know that sometimes, your income documents might not fully reflect your real earning capacity as a driver or operator. That’s why BiyaHERO makes it easier to get approved through a co-borrower-friendly process.
You can apply individually or with a co-borrower — like a spouse, relative, or business partner — to strengthen your loan application. Having a co-borrower increases your creditworthiness, which can help you secure better loan terms or higher loan amounts.
So even if you’re just starting out or rebuilding your financial track record, BiyaHERO’s got your back.
Quick Application Process – Less Waiting, More Driving
We understand that time is money, especially for drivers. That’s why the BiyaHERO PUV Loan process is designed to be fast, simple, and accessible.
You can apply through our nearest South Asialink Finance Corporation (SAFC) branch or submit your application online from the comfort of your home or terminal. The requirements are straightforward, and the approval process is quick, so you can get your funds without long waiting times.
Whether you need financing for a TNVS loan, taxi loan, or UV Express financing, BiyaHERO makes sure you can get back on the road as soon as possible.
Transparent & Fair Evaluation – Professional from Start to Finish
Transparency is at the heart of BiyaHERO. From your initial inquiry to the final approval, everything is handled fairly, clearly, and professionally.
Every credit investigation is done with respect and confidentiality, while insurance requirements are explained thoroughly to help you understand your coverage and benefits. No hidden fees, no misleading terms — just honest and straightforward service from a trusted financial partner that values Filipino drivers.
You’ll always know where you stand in the process, and our team will guide you step by step until your loan is released.
With all these unique features, BiyaHERO stands out as a smarter, more flexible PUV financing solution that truly supports your livelihood. It’s not just about lending money, it’s about helping you grow your income, secure your future, and stay on the road to success.
Up next: Let’s talk about how easy it is to apply for the BiyaHERO PUV Loan and get approved in just a few steps.
How to Apply for BiyaHERO PUV Loan
Applying for a BiyaHERO PUV Loan is as simple as driving down a well-paved road — smooth, direct, and stress-free. Whether you’re applying for a TNVS loan, taxi loan, or UV Express financing, the process is designed to help you get approved quickly so you can get the funds you need without delay.
Here’s how you can start your BiyaHERO journey:
Step 1: Prepare Your Requirements
Before heading to the branch or applying online, make sure you’ve gathered all the required documents:
- Original OR/CR of the vehicle
- Valid Franchise/Permit to Operate
- Provisional Authority (PA) or Certificate of Public Convenience (CPC) if franchise is still under process
- Proof of Income, 2 Valid IDs, Proof of Billing, and Proof of Residency
- Completed Loan Application Form
Tip: If you’re unsure which documents apply to your case, our friendly loan officers can guide you step-by-step to make sure you don’t miss anything.
Step 2: Visit a Branch or Apply Online
You have two convenient options:
- Walk-in Application – Visit any South Asialink Finance Corporation (SAFC) branch nationwide and talk to one of our account officers. They’ll walk you through the entire process and answer all your questions.
- Online Application – You can also apply through our official website or digital channels. Simply fill out the online form, upload your requirements, and wait for our representative to contact you for the next steps.
Whichever way you choose, BiyaHERO ensures a quick turnaround time, so you can get your loan processed as soon as possible.
Step 3: Credit Evaluation and Approval
Once your documents are complete, our credit team will carefully review your application. This includes vehicle appraisal, credit investigation, and verification of your franchise or permit details.
Don’t worry, the process is transparent and fair, with updates provided along the way. You’ll be notified once your loan is approved, along with the final loan amount and terms.
Step 4: Loan Release
After approval, your funds will be released promptly, ready to use for your vehicle’s maintenance, business capital, home improvements, or even emergencies.
You’ll also receive details about your payment schedule, insurance coverage, and other important loan terms — all explained clearly so you can manage your finances confidently.
Step 5: Keep Your Business Rolling
Now you can focus on what you do best — driving your way to success. Whether you’re a TNVS driver upgrading your car, a UV Express operator expanding your fleet, or a taxi driver needing extra capital, BiyaHERO PUV Loan helps you move forward with peace of mind and steady income.
Because with BiyaHERO, you’re not just borrowing, you’re investing in your future.
