SB Finance Car4Cash

Need a financial boost? Borrow up to 2 million with SB Finance Car4Cash. Submit your vehicle’s OR/CR (Official Receipt and Certificate of Registration) to borrow money. No need to surrender your car, just submit the document to SB Finance for safekeeping. Get the funds you need. Apply for an OR/CR sangla today!

  • Loanable amount: Borrow cash from 100,000 to 2 million
  • Add-on rate: 1.25% to 2.00%
  • Loan term: 12, 18, 24, 36 months
  • Acceptable cars: Car year model 2011 and above only

Apply for SB Finance ORCR Sangla Loan

What is SB Finance Car4Cash?

SB Finance Car4Cash is an unsecured loan for car owners that need cash. You can get this loan by submitting your car’s OR/CR for safekeeping. The loan amount will be based on your car’s fair market value. You can use the money for several purposes such as paying hospital bills, tuition, and home renovation. Here are the benefits of getting an OR/CR sangla from SB Finance.

High Loan Amount

Borrow from 100,00 to 2 million

Low Interest Rates

1.25% to 2% (depends on age of car and loan term)

Keep Your Car

No need to surrender your vehicle, just submit your OR/CR.

Car4Cash Rates

Here are SB Finance’s Car4Cash rates based on car age and loan tenure. Note that interest rates and charges are subject to change without prior notice. All applications are subject to SB Finance’s credit policies and procedures.

Age of Car12 months18 months24 months36 months
0 to 5 years1.25%1.25%1.50%1.75
6 to 10 years1.50%1.501.75%2.00


  • Duly filled-out and signed loan application form
  • One valid government-issued photo ID
  • Photocopy of OR/CR (must be under the borrower’s name, unencumbered and owned for at least 6 months)
  • Screenshot from Google maps of home and company address

Additional requirements for employees
Any of the following income documents:

  • Certificate of employment and compensation (issued within the last two months)
  • Latest ITR / BIR Form 2316
  • Latest one month payslip

Additional requirements for self-employed

  • Latest one year Audited Financial Statements (AFS) with at least the previous year’s comparative financials
  • Latest three months bank statements
  • SEC/DTI Certificate of Registration
  • Business permit/Mayor’s permit
  • Latest GIS (if corporation)

SBFinance may request for additional requirements to process your ORCR Sangla loan application.


  • At least 21 years old but not more than 65 years old upon loan maturity
  • Must be a Filipino citizen
  • With office or residence landline
  • Residence or office is within the Bank’s service processing area

Employed applicants

  • Regular employee and employed for at least one (1) year
  • Minimum gross monthly income: PHP 15,000 (for Metro Manila) / PHP 12,000 (outside Metro Manila)

Self-employed applicants:

  • Must be the owner or a majority owner with at least 40% stake, and
  • Business should have a positive net worth in the last two years
  • Minimum gross monthly income of PHP 100,000


  • Must be registered under borrower’s name or under business name if business is a sole proprietorship owned by the borrower
  • Must be owned by borrower for at least 6 months at point of application
  • Should not be encumbered
  • Car type must either be passenger or pick-up car e.g. trucks not allowed
  • Cannot be for commercial use (e.g. used for Grab or any TNVS), and cannot be a public utility vehicle or yellow plate (e.g. taxi, jeepney, UV express, FX, etc.)
  • Can be brand new or used
  • Maximum age of 10 years at point of application

Learn More About Loans in the Philippines

Read more about getting a loan in the Philippines. Check out our articles below.

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