Compare Personal Loan in Cars — Side by Side (2026)
Detailed personal loan comparison in Cars. Updated every 10 minutes.
Among the top personal loan options in Cars, the most affordable is Smart Lending starting at ₱58,649. The highest-rated is Apex Financial Services with ⭐ 4.9 (580 reviews). For expats, Apex Cash Solutions is the most recommended based on foreign reviewer scores and English support.
Smart Lending
₱58,649
Apex Financial Services
⭐ 4.9
Apex Cash Solutions
60% expat reviews
| Store |  Smart Lending Commercial Zone |  Prime Finance Commercial Zone |  Apex Cash Solutions City Center |  Fast Credit Corp Business District |  Apex Financial Services Commercial Zone |
| RankPH Score | 66 | 63 | 50 | 48 | 43 |
| Interest Rate | 5.0%/mo | 5.0%/mo | 5.0%/mo | 2.0%/mo | 2.5%/mo |
| Loan Amount | ₱1,000 – ₱200,000 | ₱10,000 – ₱50,000 Best deal | ₱10,000 – ₱200,000 Best deal | ₱1,000 – ₱50,000 | ₱2,000 – ₱200,000 |
| Processing Days | 5 | 1 | 2 | 2 | 2 |
| Approval Difficulty | Strict | Medium | Medium | Easy | Strict |
| Rating | 4.2(80) | 3.8(220) | 4.4(301) | 4(440) | 4.9(580) Top rated |
| Online Application | |||||
| Foreigner Eligible | |||||
| Collateral Required | |||||
| Required Documents | Proof of Income | Proof of IncomePayslip | PayslipCertificate of Employment | Bank StatementPayslip | ITRValid IDProof of Income |
| Active Promotion | -25% | -20% | |||
| Payment | Cash | CashGCash | CashGCash | CashGCash | CashGCashCard |
| Action | View Details | View Details | View Details | View Details | View Details |
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How to Choose the Best Personal Loan in Cars
Compare Interest Rates First
Even 0.5% difference in monthly interest compounds significantly over the loan period.
Processing Speed Matters
If you need cash urgently, prioritize lenders with 1-3 day processing times.
Check Required Documents
Some lenders require fewer docs — ideal if you can't produce a full COE or ITR.
Foreigner Eligibility
Most banks don't lend to foreigners. Check the column to find expat-friendly options.