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How to Get the Best Car Loans in Antipolo

Get to know about loans in Antipolo and other fun facts here. Antipolo is famous as a Catholic pilgrimage site. In fact, it is a custom to have new cars blessed at the shrine to Our Lady of Peace and Good Voyage (Antipolo Cathedral). They believe that this will ensure the car’s safety and its passengers. 

Perhaps you are a commuter who usually gets stuck in traffic as you travel from Antipolo to Metro Manila. Have you experienced sleeping throughout the trip and missing your stop? 

As we know, the transportation system in our country still needs a lot of improvement. This is why many opt t buy a car through an auto loan.

Car loans in Antipolo

Owning a car lets you travel with convenience. You can take shortcuts and manage traffic. You can sit comfortably instead of being trapped between other passengers. However, how can you buy a car? 

But cars are not cheap. You will be needing a million pesos or more to purchase a brand new vehicle. If you don’t have that funds, you are most likely to apply for an auto loan. 

Do you want an auto loan but don’t know where to start? No worries, we will discuss everything about car loans including the steps. 

Steps for a car loan in Antipolo

A car loan application is such a breeze especially if you apply from the lending companies in Antipolo. Just follow these easy steps. 

Step 1: Research

Research first. 

It is always the best thing to do. Before submitting your auto loan application, know the specifics of the car loan you are applying for. For instance, you have to know how much the car you’re eyeing is worth. Then you think about whether or not you can already afford the downpayment. 

Moreover, you have to ask yourself if you can handle a new financial responsibility. Also, consider the interest rate. It varies depending on the type of car loan you are applying for. 

The loan amount depends on a number of factors like your income, your credit history, and even your terms with the loan. 

Being prepared is the best way to make the process faster. You might not know it but it has a great effect on your confidence. Add to that it will let the lender know how professional and serious you are when it comes to finances. 

Step 2: Choose the right car loan

There are various types of car loans that you can choose from. Take a car loan that fits your purpose.

  • Bridging Car Loan

Let’s say you want to buy a car now but your downpayment is a bit short. You can get a bridging car loan for this purpose. Lending in Antipolo can provide you extra cash so you can finally take home your dream car.

  • Car Loan

Most car loans would require you to pay 10% to 20% of the car’s market value. The remaining 80% will be financed through your car loan. If you have enough money for a down payment, then this type of loan is the best option.

  • Car Loan Refinancing

This is a secured loan wherein you use your car as collateral. In case you get a hard time paying off your car loan, you can get another one from a bank or lending company. The new car loan will pay off the previous car loan. But the car loan refinancing will have a lower interest rate as long as you always pay on time.

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Step 3: Fill up an application form for loans in Antipolo

Once you know which money lender and car loan you prefer, you can start filling up an application form. Most of the information is your employment and bank details. This is important since your monthly income will be checked. 

Be sure to provide correct information. Avoid falsification and discrepancies since the lenders in Antipolo will notice this mark you as a red flag. The chance of your loan approval will be slim if the information you give turns out to be untrue. 

Step 4: Submit documents

After completing the form, there are several documents you have to submit. Whether you’re employed or not, you need to give proof of your regular income.

Lending companies in Antipolo have their own set of requirements. These are the application form, the latest proof of billing, and valid government-issued IDs. 

For employed individuals, a certificate of employment is required. It should state your salary, position, years of service, and the HR’s contact number. 

On the other hand, self-employed individuals or entrepreneurs must submit an audited financial statement, bank statements, DTI Certificate of Registration of Business. 

Just like in filling up your application form, make sure your documents are all legal. Avoid submitting tampered paperwork. As much as possible, your lender should not doubt your credibility as a borrower. Remember, you are convincing them to lend you money for your car purchase. 

Best Lending Company Ngpapautang in Antipolo

Vehicles serve a variety of purposes. Mostly, it is a means of transportation. Some even use it as a status symbol. Recently, residents in Antipolo use it as an investment for businesses. For whatever purpose you are buying a car, always keep your finances in order. This only means that once you drive your car, do not forget your other responsibility and pay your monthly amortization on time. 

Choose the right lender in Antipolo.

If you are looking for a lending company offering a bridging car loan, you are at the right place. 

Get your bridging car loan from Cash Mart to drive home your dream car today!

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