Step 1: Check Your Qualifications

• At least 21 years old but not exceeding 70 years old at the end of
  the loan term

• Filipino citizen or foreigners residing in the Philippines for at
  least 2 years

• Minimum gross family income of P50,000/month

• With stable source of income from employment or business

Locally Employed Self-Employed Employed Abroad

at least 2 years with current company

at least 2 consecutive profitable years of operation 2-3 years employment


Step 2: Prepare The Documents

Basic Document

• Completely filled out application form


Identification Documents

• Photocopy of one (1) valid ID matching application details
  (e.g. Passport, Driver’s License, SSS, PRC, OWWA ID,
  OFW ID, Seaman’s Book)

• For Foreigners, Alien Certificate of Registration with
  Work Permit


Income Documents:

Locally Employed Self-Employed Employed Abroad

Any of the following:

• Latest Income Tax
  Return or BIR Form
  2316 or latest

• Certificate of
  Employment with

• Additional for
  Foreigners, current

• Photocopy of
  Audited Financial
  Statements for the
  last 2 years with
  latest ITR

• Bank Statements
  or Photocopy of
  Passbook for the
  last 3 months

• Certificate of

Any of the following:

• Proof of
  Remittance for the
  last 3 months

• Latest Crew
  Contract, if sea

• Consularized
  Certificate of
  Employment with
  Income (COEI) or
  latest three (3)
  months payslips


Step 3: Submit Your Application Form and Requirements

Submit through any of the following channels:

• Apply Online

• More than 1,200 BDO Branches

• BDO Auto Loan Provincial Business Centers


Click here for the printable version of the complete list of requirements.

Apply Now

Apply Online


For Inquiries

Provide contact details

Call BDO Customer Center at (02) 8631-8000