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

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.

Refer to vehicle qualifications here.

• Employed individuals
  • For Metro Manila: P15,000
  • For outside Metro Manila: P12,000
• Self-employed individuals: Minimum gross monthly income of P60,000

They may apply through our zukì app, Security Bank branches, and SB Finance authorized sales agents.

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

• Minimum PhP 100,000.00
• Maximum PhP 2,000,000.00

12, 18, 24, 36, 48 months

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

*48 months applicable to loan amounts PhP500,000.00 and up only

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.

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.

Loan proceeds will be credited to your preferred bank via PesoNet or InstaPay.

The clients can pay their loan OTC at any Security Bank branch or through our accredited payment channels nationwide.

You can check the estimated car appraisal value of your unit here!

All OR/CR for Cash borrowers of SB Finance have the option to include non-life insurance with their loan. 

Availing of OR/CR for Cash insurance is optional.  

All claims must be requested through our Insurance Management Unit at [email protected], following the email subject format:   
CLAIMS | INSURANCE PROVIDER | LAST NAME, FIRST NAME | DATE OF REQUEST MM/DD/YYYY 
 

• Copy of Policy
• Copy of Vehicle’s OR/CR
• Police Report / Notarized Affidavit / Filled-out Accident Report Form
• Estimate of Repair / Drive-thru Inspection Report Estimate
• Pictures of the accident (if any), and/or pictures of the damage showing plate number or conduction sticker

Billing Attachments:

• Original copy of the Statement of Account/Repair Billing
• Copy LOA and scope of work
• Original copy of Signed Release of Claim by the Insured in case Release of Claim is signed by an authorized representative of the insured. Kindly attach the original copy
• of authorization letter duly signed by the insured, and provide two (2) copies of valid IDs of authorized person, and a Copy of Insured’s ID

*Please note that additional documents may be required depending on the type of claim.

The coverage starts on the same day your loan is signed. 

This is evaluated on a case-to-case basis.

Comprehensive Coverage

• Own Damage (OD): Covers damages to the insured vehicle due to accidents, regardless of fault. This includes collision, overturning, or impact with another vehicle or object.
• Theft: Covers the loss of the insured vehicle due to theft or attempted theft.
• Acts of Nature (AON): Covers damages caused by natural disasters such as floods, earthquakes, typhoons, hurricanes, and other extreme weather events.
• Fire & Explosion: Covers damages to the insured vehicle due to fire or explosions.
• Vandalism & Malicious Acts: Covers damages caused by intentional acts of vandalism or malicious mischief.

Personal Accident (PA) Coverage

• Driver and Passengers: Provides coverage for medical expenses, disability, or death of the driver and passengers in the event of an accident.
• Medical Reimbursement: Covers medical expenses incurred due to injuries sustained in an accident.

Roadside Assistance Coverage

Includes services like towing, flat tire assistance, fuel delivery, and lock-out services in case of an accident or breakdown.

The one-year premium is deducted from the approved OR/CR for Cash loan amount. 

The insurance coverage lasts for one year, and requires annual renewal. 

• Comprehensive Insurance
  Covered: Comprehensive insurance often extends to cover damage to the motorcycle even if someone else is driving it, provided the driver is legally permitted and has the owner's consent. 

Exclusions: If the driver does not have a valid license or was under the influence of alcohol or drugs, the claim might be denied. 

• Personal Accident (PA) Coverage
  Driver and Passenger Coverage: PA coverage typically applies to the policyholder and sometimes covers additional named drivers. If someone else is driving, the policy might not cover their medical expenses unless explicitly mentioned. 

Exclusions: If the insurance specifies a named driver or a list of covered individuals, and the person driving is not listed, this coverage may not apply. 

• Acts of Nature and Theft Coverage
  If the car is involved in an accident due to an act of nature or theft while being driven by someone else, the claim could still be valid, depending on the insurance terms and the driver's adherence to policy rules. 

• Unauthorized Use or Illegal Activities
  Not Covered: If the person driving the car did not have permission from the owner or was involved in illegal activities (such as racing), insurance coverage is likely to be voided. 

• Comprehensive Insurance
  Covered: Comprehensive insurance often extends to cover damage to the motorcycle even if someone else is driving it, provided the driver is legally permitted and has the owner's consent. 

Exclusions: If the driver does not have a valid license or was under the influence of alcohol or drugs, the claim might be denied. 

• Personal Accident (PA) Coverage
  Driver and Passenger Coverage: PA coverage typically applies to the policyholder and sometimes covers additional named drivers. If someone else is driving, the policy might not cover their medical expenses unless explicitly mentioned. 

Exclusions: If the insurance specifies a named driver or a list of covered individuals, and the person driving is not listed, this coverage may not apply. 

• Acts of Nature and Theft Coverage
  If the car is involved in an accident due to an act of nature or theft while being driven by someone else, the claim could still be valid, depending on the insurance terms and the driver's adherence to policy rules. 

• Unauthorized Use or Illegal Activities
  Not Covered: If the person driving the car did not have permission from the owner or was involved in illegal activities (such as racing), insurance coverage is likely to be voided. 

You can visit the full FAQ for Sun Life Grepa Financial’s (Sun Life Grepa) Credit Group Life (CGL) insurance here: Sunlife Insurance FAQ – ORCR

You can apply if the OR/CR is under your name, and you have met any of the following criteria: 

• The vehicle is fully paid but the OR/CR is still encumbered 

• The vehicle loan has 6 months or less remaining tenure, and has at least 12 months of payments to the current lender 

Yes. As long as the OR/CR is under your name and your vehicle meets the eligibility criteria. 

Your vehicle must meet these conditions: 

• Passenger or pick-up vehicles only
  (No trucks, buses, taxis, jeepneys, UV Express, or yellow-plated public vehicles) 

• TNVS (e.g., Grab) vehicles are allowed if not yellow-plated 

• Not used for commercial delivery or cargo 

• Not more than 12 years old 

• OR/CR must be under your/the borrower’s name 

• Owned for at least 6 months if already fully paid, and OR/CR is clean 

Yes. You can still apply if the OR/CR is encumbered, depending on your situation: 

Scenario 1: If your vehicle is FULLY PAID but still encumbered, you must submit the following: 

• Original copy of latest OR 

• Photocopy of encumbered CR 

• Proof of full payment:
  ▪ PNCM and Cancellation of Mortgage, or
  ▪ Statement of Account (SOA) showing full payment 

Scenario 2: If your vehicle is NOT FULLY PAID (6 months or less remaining), you must submit the following:  

• SOA showing full loan history and ≤ 6 months remaining 

• Same supporting documents as above 

You must prepare the following documents: 

• Original copy of latest OR 

• Photocopy of encumbered CR 

• Any of the following as proof of full payment: 

• PNCM and Cancellation of Mortgage, OR 

• SOA showing full payment and loan history 

• Authorization Letters: 

• For credit check 

• To acquire OR/CR from the other bank 

• To cancel the encumbrance 

You must prepare the following documents: 

• Original copy of latest OR 

• Photocopy of encumbered CR 

• SOA from SBC showing: 

• Full loan history 

• Balance with 6 months or less remaining 

• Special Power of Attorney (SPA): 

• For credit check 

• To acquire OR/CR from SBC 

• To cancel the encumbrance 

Thank you for considering us to help you with your financial needs. To start your journey with us, proceed to Google Play or Apple Store and search for zukì. Download the app and register your complete details to create an account.

If you are an existing SB Finance customer, but are new to our mobile loan application, you will need to download zukì from Google Play or Apple Store, and register using the mobile number that you have registered before with SB Finance. 

For us to serve you better, please contact our CUSTOMER SERVICE HOTLINE at (+632) 8887-9188 if you wish to change the mobile number registered with us.

Unfortunately, we do not support this at the moment. Only Filipino citizens are allowed to avail of our products and services. 

Yes, you can change your M-Pin after you have set it up. Just navigate and look for “More” and click “Update PIN”, and you will be able to change it under your account profile.

Yes, you can change your mobile number or email address after you have set it up. Just navigate and look for “More” and click “Update Contact Details”, and you will be able to change it under your account profile.

Yes, upon successfully linking your mobile number with your SB Finance account, you will be able to view the existing loans on the mobile application. If you have changed your mobile number or email address, please refer to question 3 before registering a mobile account. 

Yes, you can! We support 21 different ID types as follows:

• SSS Card
• GSIS e-Card
• Tax Identification Number (TIN) ID Card
• Unified Multi-purpose ID
• Passport
• Driver’s License
• PRC ID
• NBI Clearance
• Police Clearance
• Postal ID
• Voter’s ID
• Barangay Certification
• Senior Citizen Card
• OWWA ID
• OFW ID
• Seaman’s Book
• ACR / ICR
• GOCC ID
• NCDA / NCWDP ID
• Integrated Bar of the Philippines ID
• Company ID

During the MotorsikLOAN application process, you would be requested to input a referral code. If your agent serving you is tied to any MotorsikLOAN dealers, the mobile application will automatically retrieve the list of available MotorsikLOAN products for your selection.

Alternatively, you can manually search for a desired MotorsikLOAN dealer via our name search function. Use the provided dealer address to ensure you have chosen the right dealer!

We approve the maximum loan amount based on the income documents that you have submitted. Should you wish for a higher loan limit, you may send a request to our customer service, and provide the additional documents needed to support the request, which will be subject to approval. 

Return to approved application, navigate to “view or edit” appointment.

Please reach out to us if you would like to opt-out of marketing notifications.

Select an existing loan follow the following steps:

1. On the account details page, navigate to “Early settlement” tab.
2. Here you will be informed of the outstanding payment due as of date of enquiry. Once a payment has been made, this will be reflected under “Over payment”.
3. Click “Payment Made”