Motorcycle Loan Eligibility
You can apply for a motorcycle loan whether you are employed or not, as long as you have a stable source of income.
Employed Applicants
If you are currently employed, you may apply by providing the following:
- Certificate of Employment (COE)
- Latest payslips
- Valid government-issued IDs
Employment provides a steady income stream that lenders look for. A simple COE and recent payslips are usually enough to qualify.
Even without formal employment, you can qualify. We accept various income sources and flexible proof of earnings.
Self-Employed Applicants
Even if you are not formally employed, you can still apply if you have your own source of income.
Accepted Income Sources
Required Documents
- Barangay business certification or permit
- Photos of your business or livestock
- Proof of income (sales records, transaction history)
- Bank statements (if available)
- Valid government-issued IDs
Important Notes
Key things to know before you apply.
Approval Based on Ability to Pay
Approval is based on your ability to pay, not just your employment status.
Co-Maker May Be Required
Some applicants may need a co-maker or guarantor, or a higher down payment depending on income proof.
Tips for Faster Approval
Follow these tips to speed up your application.
Consistent Income
Show consistent and reliable income from your work or business.
Prepare Records
Prepare simple records of your earnings — even hand-written logs help.
Clear Photos
Provide clear photos of your business, stock, or livestock as proof.
Bring a Co-Maker
Apply with a co-maker if possible — it strengthens your application.
Apply now and get one step closer to owning your motorcycle!
Ready to ride? Browse our selection and start your application today.