With Car4Cash, enjoy as low as 1.25% interest rate! OR/CR lang and your car stays with you. Dito, pwede!

You can use Car4Cash to fund your immediate expenses. Application is fast and easy. More importantly, you don’t need to surrender your car for collateral. Just submit your OR/CR to us and get the cash you need!

Age of Car12 months18 months24 months36 months
0-5 years1.25%1.25%1.50%1.75%
6-10 years1.50%1.50%1.75%2.00%

Term: 12-36 months

Monthly add-on rate: Depends on the age of car

*The Annual Percentage Rate (APR) begins at 26.62% if add-on rate is 1.25% per month.
*Estimated APR at 36 months is 39.43% if add-on rate is 2% per month.
*Rates shown are indicative only and may change upon approval.
Sample Computation: If you borrow an amount of PhP100,000 that is payable in 36 months using 39.43% APR, your monthly payment would be PhP4,777.78

Fees and Charges:

Processing fee: 3% of the approved loan amount
Notarial fee (For PhP100,000 loan and up) : Php 200
Documentary Stamps (For PhP250,000 and up) : Approved loan amount / 200 * 1.50

Note: Interest rates and charges are subject to change without prior notice. All applications will be subject to SB Finance’s credit policies and procedures.
*SB Finance will never ask you to pay a facilitation fee for your application. If you receive a call, SMS, or email asking you to pay a facilitation fee, do not engage. Immediately report the incident to our 24-Hour Customer Service hotline at (+632) 8887-9188 or email us at customercare@securitybank.com.ph.

Check How Much You Can Borrow

Official Receipt (First Registration Date)

Your Results
*Quoted loan amount and appraised value are indicative only. Final loan amount shall be confirmed in your loan documents upon loan approval. Final loan approval shall be subject to the submission of required documents and credit policies and procedures of SB Finance.

“Car4Cash helped me get the funds for my food business while letting me keep my car so I can keep making deliveries.”

– Jenina R., Small Business Owner from Mandaluyong


Car4Cash helps you get the fund you need fast without surrendering your car for collateral.

P2M Maximum Loan Amount

Loan from P100,000 up to P2 Million

Low Processing Fee

3% of the loanable amount only

Your car stays with you

Just submit your OR/CR for safekeeping

Ready to apply?

Our application is fast, online, and seamless. We’ll be with you every step of the way.

Documentary Requirements

1. Completely Filled out and signed application form. For online application, go here. If you’re applying at a branch, click here to download the form.

2. If Employed:

  • One (1) valid government-issued photo ID
  • Income Documents, any of the following:
    • Certificate of Employment and Compensation–issued within the last two (2) months
    • Latest ITR / BIR Form 2316
    • Latest one (1) month payslip
  • Latest one (1) month payslip
  • Scanned copy of OR/CR (must be under the borrower’s name, unencumbered and owned for at least 6 months)
  • Screenshot from Google maps of home and company address

3. If self-employed:

  • One (1) valid government-issued photo ID
  • Latest one (1) year Audited Financial Statements (AFS) with at least the previous year’s comparative financials
  • Latest three (3) months bank statements
  • SEC/DTI Certificate of Registration
  • Business permit/Mayor’s permit
  • Latest GIS (if corporation)
  • Scanned copy of OR/CR (must be under the borrower’s name, unencumbered and owned for at least 6 months)
  • Screenshot from Google maps of home and company address

* Additional documents may be required by SB Finance to process the loan


  • At least 21 years old but not more than 65 years old upon loan maturity
  • Must be a Filipino citizen
  • With office or residence landline
  • Residence or office is within the Bank’s service processing area

If Employed

  • Regular and permanent with current employer and employed for at least one (1) year
  • Minimum gross monthly income:
    • For Metro Manila: P15,000
    • For outside Metro Manila: P12,000

If Self-Employed

  • Must be the owner or a majority owner with at least 40% stake, and
  • Business should have a positive net worth in the last two (2) years
  • Minimum gross monthly income of P100,000

For Vehicle

  • Must be registered under borrower’s name or under business name if business is a sole proprietorship owned by the borrower
  • Must be owned by borrower for at least 6 months at point of application
  • Should not be encumbered
  • Car type must either be passenger or pick-up car e.g. trucks not allowed
  • Cannot be for commercial use (e.g. used for Grab / TNVS), and cannot be a public utility vehicle / yellow plate (e.g. taxi, jeepney, UV express, FX, etc.)
  • Can be brand new or used
  • Maximum age of 10 years at point of application

What is Car4Cash?

It is an unsecured loan that is based on client’s submission of a copy of his/her vehicle’s ORCR.

Will there be an encumbrance on the client’s ORCR?

No. We will only safekeep the client’s ORCR and release it once the loan gets fully paid.

Who is the target market for this product?

Car4Cash can be offered to both employed and self-employed individuals (aged 21-65 years old) who presently own a car for at least six months.

What cars are eligible for Car4Cash?

Refer to vehicle qualifications here.

What is the minimum income requirement for Car4Cash?

  • Employed individuals
    • For Metro Manila: P15,000
    • For outside Metro Manila: P12,000
  • Self-employed individuals: Minimum gross monthly income of P100,000

Where can the clients apply?

They can only apply online or at nearby Security Bank branch.

How much is the amount that the client can loan?

The basis of the loan shall be the appraised value of the car. Maximum loan amount is 80% of the appraised value

  • Minimum P100,000.00
  • Maximum 3% of the loanable amount,000.00

What are the available loan terms?

12, 18, 24, 36 months

How much is the interest rate?

The interest rate shall be based on the age of the car and chosen loan term.

Age of car12 months18 months24 months36 months
0 to 51.25%1.25%1.50%1.75%
6 to 101.50%1.50%1.75%2.00%

How long does it take to process a Car4Cash application?

5-7 banking days, if complete requirements are submitted to the branch or uploaded  in the online application form and if applicant is verified without adverse findings.

Where can the appraisal be held?

It may be held at the SB Finance Hub, SBC branch or satellite office, residence of the client or any other location preferred by the client.

What are the fees and charges?

Processing Fee3% of the loanable amount
Notarial Fee (For P100,000 loan and up)P200.00
Documentary Stamps (For P250,000 loan and up)P1.50 for every P200.00
Late Payment Fee

3% of the amount due or P500 whichever is higher

Effective September 19, 2021: 3% of unpaid amortization

Pre-termination Processing FeeP2,500

What is the mode of release for Car4Cash?

Loan proceeds will be via Manager’s Check or credit to your Security Bank Account. Loan proceeds are released through Manager’s Check (MC) or Credit to Security Bank Account. Loan proceeds may be claimed at the Loan Releasing Area (No. 849-A GF Keyland Building Arnaiz Ave Makati City) or through branch where loan was applied. During loan availment, you must bring the following:

  • If employed, original company ID and one (1) valid government issued IDs
  • If self-employed, original two (2) valid government issued IDs

Other documents required for booking that will be relayed by the SBF representative that will call you regarding the loan approval.

How can the clients pay for their loan?

The clients can pay their loan via Post-dated Checks (PDCs) only.