Truck Financing Philippines

Fast approval and flexible terms to expand or
upgrade your truck fleet.

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Short-Term Business Loan Philippines

Fast and easy business loans for micro, small and
medium enterprises

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What is Truck Financing?

Truck Financing is a loan that helps businesses buy trucks they need for their operations or get cash from a truck they already own. By using the truck’s OR/CR as collateral, businesses can access funds without selling the vehicle. This also allows them to pay for commercial trucks in installments instead of one full payment, making business growth easier and more affordable.

Introducing ULoan’s Truck Financing Program

The ULoan Truck Financing Program is a fast-approval loan designed for small to medium enterprises (SMEs) and logistics operators. Whether you plan to buy a brand-new or second-hand truck, or use your fully paid truck through OR/CR financing to get working capital, we can help. Loan approvals take just 48–72 hours, with flexible terms and bundled services to help keep your trucks—and your business—running smoothly.

Approvals in as fast as 48-hours

Accepts Trucks up to 15 years old

Minimal Documentation Required

Affordable Interest Rates

Loan Overview

Loanable Amount

Borrow up to 80% of appraised value

Payment Terms

Up to 48 months

Interest Rate

Minimum of 1.0% per month

Advantages of ULoan’s Truck Financing Program

  • Financing of CTPL + Comprehensive Insurance
  • Assistance to LTO Transfer/Registration/Renewal
  • 24/7 Roadside Assistance
  • Preventive Maintenance Package (1st year) soon to be available
  • GPS Package soon to be available

Eligibility Requirements

  • Borrower must have an existing business operating for at least three (3) years.
  • Business must be registered with DTI or SEC.
  • Business must be located and operating within the following areas:
  • Metro Manila
  • Batangas
  • Bulacan
  • Cavite
  • Laguna
  • Nueva Ecija
  • Pampanga
  • Quezon
  • Rizal

Frequently Asked Questions

To apply, you can:

  • Submit an application online by filling out this form.
  • Call our office directly through our landline: (632) 8892-0991
  • Visit our office located at 3/F Majalco Building, Benavidez cor. Trasierra St., Makati City, Philippines to submit your complete application form and documents.
  • ULoan Application Form
  • DTI/SEC Registration
  • Mayor’s Business Permit
  • Valid Government-issued ID of Business Owner or Company Representative 
  • Proof of Address (i.e. Utility Bill, Barangay Certificate) 
  • Proof of Income (3-months Bank Statement, copies of completed invoices)

For financing or refinancing of existing/fully paid trucks
– Clear copy of OR/CR and pictures of the truck

For purchase of Brand New, Reconditioned, 2nd hand trucks
– Truck quotation issued by the truck dealer

For loan amount above ₱3 Million
– Audited and in-house FS covering more than two years

  • Terms may extend up to 48 months
  • Fees will include appraisal of vehicle, documentary stamp tax, processing fees, chattel mortgage fees, gross receipt tax and notary fee for documents.

3 to 5 working days

Yes, you can continue to fully use your vehicle. Only the OR/CR is held by Unicapital.

It’s similar but even better. OR/CR Sangla is just one component of our Truck Financing Program. With our program, you can also finance the purchase of a brand-new or second-hand truck, giving you a complete, flexible financing solution tailored to your business needs.

See All FAQs Here →

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