Flexible financing solutions tailored to your needs and budget
Our most popular financing option. Finance any make, model, or condition of vehicle with competitive rates and flexible terms.
Interest Rate Range
6.5% - 12%
Loan Term
12 - 84 Months
Processing Time
24 Hours
Approval Rate
95%+
Lease Term
24 - 60 Months
Monthly Payment
Lower than Loans
Maintenance
Included
Mileage Allowance
Flexible
Perfect for businesses and individuals who prefer lower monthly payments. Enjoy a new vehicle every few years with maintenance included.
Already have a car loan? Refinance with JACCS to get better rates and lower your monthly payments.
Current Monthly Payment
₱15,000
After Refinancing
₱12,500
Monthly Savings
₱2,500
Choose the financing solution that best fits your needs. All products come with JACCS's commitment to excellent service.
| Features | Auto Loan Most Popular | Finance Lease Hassle-Free | Refinancing Lower Rates |
|---|---|---|---|
| Interest Rates | |||
| Starting Rate | 6.5% - 10.5% p.a. | 5.8% - 9.5% p.a. | 5.5% - 8.5% p.a. |
| Rate Type | Fixed or Floating | Fixed | Fixed or Floating |
| Loan Terms | |||
| Loan Duration | 12 - 84 months | 24 - 60 months | 12 - 72 months |
| Down Payment | 10% - 50% | 0% - 20% | 0% - 30% |
| Maximum Loan Amount | ₱5,000,000 | ₱3,000,000 | ₱4,500,000 |
| Vehicle Eligibility | |||
| New Vehicles | |||
| Used Vehicles (Up to 5 years) | |||
| Vehicle Age Limit | Up to 10 years old | New only | Up to 8 years old |
| Ownership & Maintenance | |||
| Vehicle Ownership | Yours from day 1 | JACCS (you use it) | Yours from day 1 |
| Maintenance Responsibility | Your responsibility | JACCS covers all | Your responsibility |
| Insurance | Your responsibility | JACCS covers | Your responsibility |
| Registration & LTO | Your responsibility | JACCS handles | Your responsibility |
| Processing & Approval | |||
| Approval Time | 2 - 5 business days | 3 - 7 business days | 1 - 3 business days |
| Documentation | Standard | Comprehensive | Minimal |
| Credit Check Required | |||
| Special Features | |||
| Flexible Payment Options | |||
| Early Settlement Discount | |||
| Vehicle Replacement (Warranty) | |||
| Roadside Assistance | |||
| Refinancing Option | |||
Own your vehicle immediately with flexible payment terms
Drive worry-free with all maintenance and insurance included
Lower your current loan rates and reduce monthly payments
Note: Interest rates and terms are subject to credit approval and may vary based on your credit profile, income, and vehicle specifications. For personalized quotes and detailed information, please contact our financing specialists or visit your nearest JACCS branch.
Not sure which product is right for you? Our financing specialists are here to help.
Apply for loans, track payments, and manage your vehicle on the go