Advisory: Always study the terms and conditions on the disclosure statement before proceeding with your loan transaction. Apply for your Re-loan within the Asteria Dashboard! Instant disbursement: Get your money instantly to your bank account after approval! Check out our new loan calculator and apply now for your first loan with Asteria Lending. Apply now for your online loan with Asteria Lending, the Nr 1 loan provider in the Philippines! Get approved within minutes! Call our Customer Service team on (02) 5318 8000 now and they will be happy to help you!

Amount to borrow


PHP 2,000

PHP 50,000

Up to 10,000 PHP for First Time Borrowers


Asteria - Best Rates in the Philippines





Processing fee may apply



The loan is for four weeks repayments are done in two equal installments, first on the 15th day second is on the 30th day from the date that you received the money in your bank account

6 Weeks


The loan is for 6 weeks repayments are done in three equal installments, first on the 15th day second is on the 30th day the third is on the 45th day from the date that you received the money in your bank account

2 Months


The loan is for 12 weeks repayments are done in six equal installments, first on the 15th day, second is on the 30th day, third is on the 45th day, fourth on the 60th day, fifth on the 75th day and sixth on the 90th day from the date that you received the money in your bank account

About Car Loan

A car loan is a great way to drive your dream car without making the complete payment upfront.

You don’t need to wait for some more months or years to buy your dream car as you can take a car loan to meet your fund requirement whenever needed.

Getting a loan for a car also contributes to your credit mix and can improve your credit score.

Let Asteria help you drive your dream car in just a matter of days.

Apply for loan

Get financing for whatever you need now

Achieve all your goals and aspirations; with the right kind of help, exactly when you need it.


Refinancing your auto loan by negotiating with Asteria and leveraging your credit rating can help reduce your interest rate and save money.


Repairing a purchased vehicle after the warranty has expired can get expensive fast, getting a car loan can help aliviate the stress of getting repairs made.

Loan Against Car

With no income documents required, getting a loan couldn’t get any easier. Asteria Lending offers you car loan at basic interest rates and flexible EMI for repayment.

Other Loans

Asteria Lending also grant different loans like Home loan, Personal loan and Salary loans at fair rate of interest and flexible EMI. For more detail you can check our loan products.

Get financing for whatever you need now

Enquire Now

Features of Car Loan

All loans are not created equal, car loans have become a great option for people to use.

Cash Loan Facility

For funding any emergency you may have.

Special Preapproved Loan

All charges are communicated up front in writing along with the loan quotation to ensure no hidden fee’s.

Enjoy the best rates

Our loan rates and charges are quite low, take advantage of this opportunity with a Car Loan.

150% Funding on Loan

With a response rate of 48 hours, you could be fully funded within a couple of days.

Car Loan - Eligibility

Any salaried, self-employed or professional Public and Privat companies, Government sector employees including Public Sector is eligible for a personal loan.


UMID, New TIN ID, New PhilHealth ID, and Driver License.


Minimum Net Monthly Income: Rs 15,000

Credit Rating

Applicant should have the bank specified credit score.

Frequently Ask Questions

If you have a question that deals with clients, customers or the public in general, there is bound to be a need for the FAQ page.

Is someone selling the perfect car, that fits right into your lifestyle and meets all of your requirements in term of mileage, capacity and looks? That’s great news! Well, it is if you have the funds to pay for it. You could use your credit card, if you are able to that is, but how long are you going to be paying that back, and what about the interest rates they charge? Maybe using credit cards is not the answer after all? Purchasing a brand new car, even if it is only new to you, is very exciting – it is like buying a new toy when you are a kid. However, cars are considerably more expensive than a child’s toy and getting enough money together to buy one is not easy. Even if all you need to borrow at the moment is for a deposit, it can still be very expensive. Conventional wisdom has it that a deposit on a new car should be 20%. If we were to purchase a Ford Explorer today, it would cost at least P 2,748,000. 20% of this would be P 549,600. As you can see, even the deposit is a lot of money to lay down out of your pocket. Financing is a sensible option, then, but finding the right lender is not always so straightforward. Lots of people can spend a lot of time comparing vehicles, looking at different makes and models and then spend more time haggling with the dealer or owner to try and get the price down. By comparison, they spend hardly any time doing the same when it comes to auto loans. Very often they will grab the first one they get and so end up wiping out any savings they may have made while haggling. In fact, by choosing the first auto loan they come across they could even end up paying thousands more than they needed to. The interest rates on vehicle finance can vary wildly from lender to lender, so why pick the first one you see advertised? What you should be doing is spending as much time looking at lenders as you do choosing a vehicle.

Banks loans are one way to go, for sure, when you want to make a vehicle purchase. The trouble is that taking ‘advantage’ of bank invoicing is not always a good idea, this is because they very often attract higher interest rates than specialist car loan lending companies. Cars are expensive as it is, even after you have bought one – there is the gas, oil, maintenance, tyres, auto insurance etc. why add to the expenses with costly repayments? When you look at your bank statements, you don’t want to have to sit down first in case you start to feel faint. This is why credits are a bad idea also, even if you have reasonable rates because you have a good credit rating. Credit cards are notoriously difficult to pay off, and the card companies make it this way deliberately -the longer they can make you pay, the more money they make. The only other real alternative is to go and speak with a specialist lender. These companies are, more often than not, in a much better position to offer car loans on a much better amount of interest. You also want to be sure that you aren’t going to be left dangling on a hook for years to come, as credit card companies would like you to be. There are only two sure fire ways of making that happen. First, you could always just give up on the idea of buying a new vehicle (which is not an option anybody would want to consider) or, second, find yourself a finance provider that can guarantee you answers to certain questions. What kinds of questions? You need to know exactly how much you will be paying each month, with no surprise charges, and exactly when the final payment will be. Some companies can give you an estimate, but that should set the alarm bells ringing. If they are a charging a set figure, and the price of the loan itself doesn’t change then they should know exactly when the final payment will be. So why don’t they? That’s not all specialist lenders though, naturally. There are some lenders out there that have the ability to show you exactly what you will be getting yourself into. There is however, just one that is trusted right across the Philippines and finds its home in Makati City.

Asteria Lending can tell you precisely how much your repayments will be each month, and also exactly when your final payment will be. Remember, these are not estimates, we can tell you to the exact day. Our interest rates are among the lowest in the whole of the Philippines too at just 0.8 percent a day.

Taking all of the above in to account, why would you want to spend more somewhere else? To see exactly how much you will pay in total you can use our finance and interest rate calculator. This will tell you how much interest you will pay on the amount you need, as well as the exact total amount that you would pay back.

Simple, straightforward and completely transparent. Just the way auto loans should be; you’ll wonder why everybody doesn’t do it! Asteria Lending services are 100% digital, meaning that there is no need to call in to the office in person (perfect if have no car at all!). We believe that this method is faster, more secure, enables us to offer the very best auto finance terms and, importantly, convenience for you.
To find for out yourself just what we can do for you, and how everything works, you can head to our FAQ page, or How It Works page, or you could just give us a call on Mobile: 0998-584-5045 or Landline: (02) 318 8000

Asteria Lending Inc. 14th Floor, World Center Building, 330 Sen Gil Puyat Ave, Makati, Philippines

We’re Open: Mondays – Fridays

Office Hours: 9:00 am – 7:00 pm.

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