How Your OR/CR Sangla Can Help You Get a Loan in the Philippines
Your car’s Official Receipt and Certificate of Registration (OR/CR) isn’t just proof of ownership — it can also be used to unlock when you need them most.
In the Philippines, this process is commonly known as OR/CR Sangla or an ORCR Loan, where your vehicle’s registration documents — the Official Receipt (OR) and Certificate of Registration (CR) issued by the Land Transportation Office (LTO) — serve as collateral for a cash loan.
Through SB Finance’s OR/CR for Cash, you can borrow money and still have your car. It’s a practical and flexible solution for vehicle owners who need cash for business, home improvement, education, or personal expenses — all without having to sell or surrender their vehicle.
Using the OR/CR for Cash Loan Calculator
The OR/CR for Cash Calculator below lets you instantly see how much you can borrow using your car’s OR/CR — no paperwork or dealership visits required.
Here’s how to use it:
- Enter your desired loan amount.
- Provide your car’s production date and age.
- Click Calculate Now to view sample computations, including indicative add-on rates, terms, and estimated monthly payments.
All displayed amounts are indicative and may change depending on submitted and verified application details. The calculator will help you plan ahead and understand your financing options clearly before you apply.
*48 months applicable to loan amounts PhP500,000.00 and up only
Why Try the OR/CR for Cash Loan Calculator?
- Instant Results: Quickly estimate how much you can borrow.
- Transparent Computations: See indicative rates and repayment terms upfront.
- No Commitments: Explore your options without submitting documents.
SB Finance’s OR/CR for Cash Loan Calculator is designed to make the process smooth and transparent. With accurate results and a user-friendly interface, you can explore your options anytime — no waiting, no hassle.
Why Choose SB Finance’s OR/CR for Cash
- No Need to Surrender Your Car – Get the cash you need and the car stays with you.
- As Low as 3.5% Processing Fee – Enjoy affordable upfront costs.
- Loan Up to PhP 2 million – Get funds whether for personal or business needs.
- As Low as 1.25% Interest Rate – Access competitive and transparent rates.
- We Accept Commercial Vehicles and Loan Take-Out – Flexible options for different car types and loan needs.
Whether you’re managing everyday expenses, starting a business, or funding a major purchase, SB Finance’s OR/CR for Cash helps you achieve your goals with ease and confidence. Apply Here!
Try It for Yourself
See how much you can borrow today. Use the OR/CR Cash Loan Calculator to explore your options and discover how your car’s OR/CR can work for you — clearly, conveniently, and confidently.