I am new to zuki, how do I start my application?

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.

I am an existing SBF customer, how do I start my application?

If you are an existing SB Finance customer, but 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 to SB Finance.

What shall I do if I am an existing SB Finance customer, but would like to use a different phone number or email address?

For us to serve you better, please contact our 24-HOUR CUSTOMER SERVICE HOTLINE at (+632) 8887-9188 if you wish to change the mobile number registered with us.

If I am a US citizen, can I apply for an SB Finance loan?

Unfortunately, we do not support this at the moment.

Can I change my M-Pin after I have set it up?

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.

Can I change my mobile number/email address after registering an account?

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.

I am an existing SB Finance customer; can I view my existing loans on zukì?

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. 

I do not have a passport or UMID, can I still apply for a loan?

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

How do I purchase a product with my Hooloogan?

After a successful Hooloogan application, you can visit any of our partner merchants to use your new credit line to finance your purchases. At the merchant, approach any cashier to request for a unique Cashier’s QR code or input the cashier’s ID, then choose the product you wish to finance with your Hooloogan cash credit line. 

 

Useful tip: Look out for any promotions or 0% installment plans!

How do I search for a MotorsikLOAN product?

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!  

I have received my loan approval, but I would like to request for a higher loan limit, what should I do?

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 for approval.    

How to reschedule a loan signing appointment?

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

How can I op-out of marketing notifications?

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

How do I make an early prepayment?

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”

How much is the amount I can loan?

Minimum amount that you can avail is Php 200,001.00 and maximum is Php 2,000,000.00. Loan amount will be based on credit evaluation and income documents submitted.

For how many months/terms I can pay the loan?

You have the option to pay the loan amount for: 12, 18, 24 and 36 months.

Term Monthly Add-on Rate
12-36 months 1.89%

  Estimated APR at 36 months is               37.53%

What are the fees and charges?

Processing Fee P2,000
Notarial Fee (For P100,000 loan and up) Php 300.00
Documentary Stamps (For Php 250,000 loan and up) Php1.50 for every Php 200.00
Late Payment Fee 3% of the amount due or Php500.00 whichever is higher

Effective September 19, 2021: 3% of unpaid amortization

Pre-termination Processing Fee P2,500

How will I know if my loan is approved?

You will receive a notification from zukì app regarding your loan releasing schedule, and an authorized SB Finance representative will contact you to confirm your schedule. You may also contact our Customer Service hotline at 02-8887-9188 or send an email at SalesSupport@sbfinance.com.ph

How will I get my loan proceeds?

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

Can I get a personal loan if I have a cancelled credit card?

If you have a cancelled credit card from any bank, please get the necessary clearance before applying for a personal loan to ensure the smooth processing of your application.

Can I pre-terminate my loan?

Yes, you can pre-terminate the loan but there will be a processing fee of Php 2,500 (based on PN) shall be applied to your account.

Can I re-avail of a loan?

You can re-avail your personal loan as long as you have already paid at least half of your original loan term, and there has been no record of missed payments. Example: Original loan term is for 12 months and you have already paid your amortizations for 6 months already, you can apply for re-availment. Upon booking, your previous loan balance will be deducted from the proceeds of your new loan.

Can I avail of two personal loans at the same time?

Borrower cannot avail two separate loans at the same time. At least half of the term for the existing loan must be paid off first before they can apply for another loan.

What is Car4Cash OR/CR Sangla?

It is an unsecured loan that is based on client’s submission of original copy of OR/CR.

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 OR/CR Sangla 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 OR/CR Sangla?

Refer to vehicle qualifications here

What is the minimum income requirement for Car4Cash OR/CR Sangla?

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

Where can the clients apply?

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

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 P2 Million

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.

INTEREST RATES OF Car4Cash OR/CR Sangla

Age of Car 12 months 18 months 24 months 36 months
0 to 5 1.25% 1.25% 1.50% 1.75%
6 to 12 1.50% 1.50% 1.75% 2.00%

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 Fee 3% 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 Fee P2,500

What is the mode of release for Car4Cash OR/CR Sangla?

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

How can the clients pay for their loan?

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

What is Hooloogan?

Hooloogan is a new financial product provided by SB Finance via zukì mobile app that provides a Cash Credit Line which can be used for cash loans or in-store financing at accredited merchant partners or BOTH.  The Cash Credit Line facility provides higher level of convenience to customers when applying for a loan.

What is Cash Credit Line?

Cash Credit Line is key functionality of Hooloogan.  It provides customers the ability to use the line for cash loans or purchase products at partner merchants as long as the amount is within their available Cash Credit Line. The available Cash Credit line is replenished whenever payments are made.

How will I know if my Hooloogan application is approved?

Once your application is approved, there will be a notification sent to the zukì app and to your registered email. You may also contact our Customer Service Hotline at 02-8887-9188

How do I check my approved Cash Loan Line?

After your Hooloogan application gets approved, you will be able to check your available Cash Credit Line anytime via your zukì mobile app.

How much is the amount I can loan?

We can provide Cash Credit Line starting from Php 10,000 up to Php 200,000, depending on your submitted income documents. The minimum disbursement amount is PhP 5,000.

How do I avail of a cash loan?

To avail, you need to download the zukì app and go to Hooloogan. Select the type of cash loan you prefer and follow the simple instructions. You can get your cash without the need to reapply or re-submit documents.

What is Cash Hooloogan?

Cash Hooloogan is a cash loan that is payable in installments with flexible scheduled plan of up to 48 months which you may avail using your available Hooloogan cash credit line.  You can choose to have the cash disbursed to your chosen bank account.

What are the available monthly terms I can choose to pay the loan?

For Cash Hooloogan and Pay Hooloogan features, you have option to pay the loan amount for: 3, 6, 9, 12, 18, 24, 36 and 48 months.

Term Monthly Add-on Rate
3 – 48 months 3.50%

  Estimated APR at 12 months is                             70.26%

What are the fees and charges?

Processing Fee 3%
Instant Cash Fee 3.5% for every Instant Cash loan request
Late Payment Fee 3% of the amount due or Php500.00 whichever is higher

Effective September 19, 2021: 3% of unpaid amortization

Pre-termination Processing Fee 5% of outstanding principal balance or P2,500 whichever is higher

What is Pay Hooloogan?

Pay Hooloogan is an instore installment loan option in Hooloogan where you can go to SBF partner stores and use your available Hooloogan cash loan line when you checkout at the cashier via QR code.

How do I avail of in-store installment loan?

You need to download the zukì app, go to Hooloogan and apply for a cash loan line.  Once approved, you can follow the following steps:

  • Visit our partner stores, 
  • Choose your preferred product
  • Open the zukì app and go to Hooloogan Product and Pay Hooloogan
  • Scan QR code at the cashier and follow the instruction shown on the screen to complete the transaction, get your product and you’re good to go.

How do I receive my Statement Overview?

Statement Overview will be sent to you every month based on your billing date via e-mail or you can access it via zukì application.

How do I make a payment to my loan?

You may pay your loan via Auto-Debit Arrangement from your Savings Account or through our accredited payment channels nationwide.

Can I pre-terminate my loan?

Yes, you can pre-terminate the loan but there will be a processing fee of 5% of outstanding principal balance or P2,500 whichever is higher, shall be applied to your account.

Can I re-avail of a loan?

Re-avail is one of Hooloogan’s key functionality, so you can re-avail loan(s) as long as you have available Cash Credit Line in Hooloogan.

Can I avail more than one loan at the same time?

Yes, with Hooloogan product, you can avail loan(s) as many as you need as long as you have available Cash Credit Line in Hooloogan.

Where can I view my loan details – due date, installment amount, remaining installments, total remaining balance, payments posted, etc?

You can easily access your loan detail via zukì mobile application by going to your Hooloogan account information.

What if I cannot pay on the due date?

In case you will not able to pay on the due date please immediately contact our 24-HOUR CUSTOMER SERVICE HOTLINE at (+632) 8887-9188 for advices.

What is MotorsikLOAN?

MotorsikLOAN is a loan product offered to both employed and self-employed individuals who wish to acquire brand new or pre-owned motorcycle units through SB Finance.

Brand new motorcycles units will be purchased from the dealer partners and pre-owned motorcycle units shall come from the repossessed units of SB Finance.

Where do I get the motorcycle?

For brand new motorcycle – to our partner dealers

For repossessed motorcycle – to SBF warehouses

Is the motorcycle unit covered by a warranty?

Yes. The motorcycle is covered by a manufacturer’s warranty

Why SB Finance?

1) Hassle-free loan application process;

2) Affordable monthly payments – interest rate for as low as 1.25%;

3) Easy documentary requirements

Does it have Insurance? / Is Insurance required?

For regular bikes (less than 200cc engine), TPL Insurance is required and it is a requirement in the LTO registration. For medium and high-end bikes (200cc and up), Comprehensive Insurance is required to be facilitated by SB Finance. Comprehensive Insurance fees are client’s expense.

What are the payment options for monthly amortization?

Payment options can be done thru our partner payment channels.

Where can I pay the monthly amortization?

SB Finance offers a convenient way for its customers by partnering with different payment channels nationwide for a hassle-free and convenient way of paying monthly amortizations

Where can I pay the downpayment?

Down payment shall be done at the partner dealer where you will release your motorcycle unit. An official receipt shall be issued for the DP.

Can I avail no downpayment?

No. However if you have a good credit standing based on our credit investigation, you may be entitled for a low-down payment.

Do I have rebate?

Yes. The monthly amortization in the price catalogue is already net of rebates (assuming the client will pay on time). If the client did not pay on or before due date, additional PhP200 should be paid for regular bikes and additional PhP500 for pre-owned bikes.

What are the available terms?

For Regular Category Motorcycle – 12, 18, 24 and 36 month-term are available. 

For High-end Category Motorycycle – 12, 18, 24, 30, 36 and 48 month-term are available

What if my due date will fall on a weekend?

Our payment centers are accepting payments even on weekends and holidays.

Can I pay via post dated cheques?

No, you cannot pay your loan amortization with a post-dated cheque.

Does it have a penalty charge?

Yes. If you miss your due date, you will pay late payment fee plus the amount of rebates that was removed from the amortization.

How do I know the status of my application?

You may view the status of your loan application on zukì mobile app.

I am a foreigner living here in the Philippines can I avail the MotorsikLOAN?

Yes, as long you’ve been here in the Philippines for at least one (1) year and you have all the complete identification and income documents.

I am just renting can I avail the MotorsikLOAN?

Yes, as long you’ve been residing in the Philippines for at least one (1) year.

What are the requirements for MotorsikLOAN?

2 Valid Ids and Income Documents

What are the acceptable IDs?

Any of the government-issued IDs bearing a photo and/or two (2) secondary IDs.

What are the acceptable proofs of income?

If Employed:

  •  1 month latest payslip, OR
  •  Bank statement (last 3 months) or passbook, OR
  •  Certificate of employment, OR
  •  Employment Contract

If Self-Employed:

  •  Latest Financial Statement
  •  Business Permit (DTI, Mayor’s Permit, SEC, GIS, Barangay Business Permit etc.)
  •  Latest Bank Statement 
  •  Copy of Land Title / Barangay Certification or Baragay Agrarian Refrom and Council Certification (BARC)
  •  Trading Documents / Irrigation Receipts
  •  Copy of Franchise, ORCR, Association membership certificate, Operators and Drivers Association ID and/or deed of sale in favor of applicant (For PUV)
  •  TNVS Registration and/or latest 3 months transaction history (For TNVS)

For OFW Beneficiaries:

  •  Latest 3 months bank statement
  •  Latest 3 months remittance slip / Allotment contract
  •  COE and/or Employment contract of OFW