Flexible Down Payment
Compare preset down payments or enter a custom cash-out amount.
Personal Vehicle Financing
Car Loan Philippines
Compare financing for a used or brand-new passenger car, prepare the required documents, and request partner review.
Car Loan Guide
Financing for personal cars
This page covers passenger-car financing for Filipino buyers choosing a used car or a brand-new unit. AutoTrustPH helps organize the vehicle details, down payment target, income documents, and preferred term before partner review.
Choose the right car loan
- Used-car financing for eligible pre-owned units
- Brand-new car financing through partner review
- Sangla OR/CR for qualified vehicle owners seeking cash
Prepare before applying
- Share the exact unit, selling price, and seller or dealer.
- Choose a realistic down payment and monthly budget.
- Submit complete income and identity documents for assessment.
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 auto financing services does AutoTrustPH offer?
AutoTrustPH assists with used car loans, brand-new car loans, truck and bus financing, and Sangla OR/CR inquiries through partner banks and private financing companies.
What are the basic requirements for a car loan in the Philippines?
Requirements commonly include valid IDs, proof of income, proof of billing, and employment or business documents. The exact checklist depends on the applicant type, vehicle, and reviewing partner.
Can I estimate my monthly payment before applying?
Yes. Use the AutoTrustPH car loan calculator to compare possible down payments and terms. The result is an estimate and not a final approval quote.
Does AutoTrustPH guarantee approval?
No. Approval, interest, down payment, fees, and terms depend on the applicant profile, vehicle, complete documents, credit assessment, and partner review.
Do you accept inquiries outside Metro Manila?
Yes. AutoTrustPH accepts online inquiries nationwide, with four service locations across Quezon City, Marikina, and Paranaque.