Flexible Down Payment
Compare preset down payments or enter a custom cash-out amount.
Car Financing
Car Loan Philippines
Get help with used car loans, brand-new car loans, refinancing, and private financing options.
ServicesCar financing options built
Car financing options built
around your need
Choose the path that fits the vehicle, document status, and cash-out target before sending an inquiry.
Sangla OR/CR
Use your vehicle OR/CR as collateral and keep using your car while your loan is assessed.
Used Car Loan
Financing assistance for second-hand and pre-owned vehicles through partner banks and financing companies.
Brand-New Car
Get a brand-new car with as low as 20% down payment through our partner banks.
Truck & Bus Loan
Financing assistance for trucks, buses, and business-use vehicles subject to partner review.
Calculator
Estimate your monthly payment
Enter the unit price, select a financing option, and compare available terms. The result is a planning estimate and is still subject to final assessment.
Term Comparison
Review monthly estimates across common 24, 36, 48, and 60 month terms.
Final approval still depends on partner review, vehicle documents, insurance, and credit assessment.
What You Need
Loan Requirements
Provider: Local commercial banks and private financing companies. Open to residents across Luzon, Visayas, and Mindanao.
Employed Applicant
- 2 Valid IDs
- Latest ITR 2316
- COE or last 3 months payslip
- Mode of Payment (Autodebit or Checking account)
OFW / Seaman
- 2 Valid IDs
- Proof of remittances
- Latest contract or COE
- Last 4 months bank statements
- Mode of Payment (Autodebit or Checking account)
Self-Employed
- 2 Valid IDs
- Mayor's Permit
- DTI Registration
- ITR 2307/1701
- Last 4 months bank statements
- Mode of Payment (Autodebit or Checking account)
Corporation
- SEC Registration
- Articles of Incorporation
- Latest ITR and AFS
- Last 4 months bank statements
- Secretary's Certificate
- Mode of Payment (Autodebit or Checking account)
Backed By
Our Bank, Finance, and Insurance Partners
We work with 7 bank and financing partners, plus an insurance partner, to help clients compare available rates, terms, and coverage.
Partnerships
Calling All Car Dealers!
Partner with AutoTrustPH and unlock exclusive incentives. Let's help more Filipinos get the car they deserve.
Inquiry
Tell us what vehicle or loan you need
Send your vehicle details, budget, documents, or calculator estimate. AutoTrustPH will review and help you choose the next step.
Find Us
Our Locations
4 branches across Metro Manila to serve you better.
Red Central Auto Exchange
937 EDSA Brgy. South Triangle Diliman, Quezon CityAuto Royale Car Exchange
1243 EDSA, Quezon City, 1106 Metro ManilaKotse Network - Barangka
1 A. Bonifacio Ave, Marikina, 1803 Metro ManilaCar City Garage and Sell
Roxas Boulevard corner Seaside Drive, ParanaqueFAQ
Frequently Asked Questions
What is Sangla OR/CR?
It is a type of loan where your car's OR and CR are used as collateral. You can still use your car while your loan is being processed.
Do I need to surrender my car?
No. AutoTrustPH lets you keep and continue using your car. We only hold the OR/CR documents as collateral.
What vehicles are accepted?
We accept SUVs, sedans, pickups, and trucks from 2015 onwards. Motorcycles may be reviewed separately.
How much can I loan?
You can borrow up to 70% of your car's appraised value. The final amount depends on vehicle year, brand, condition, and review.
How fast is the approval?
Assessment is usually done on the same day. Loan release typically happens within 1 to 2 business days after submitting complete requirements.