Personal Loan
Funding for personal needs such as education, home improvement or emergencies, for employed and self-employed individuals with a steady income. Amount and term are based on your capacity to pay.
Learn more →Build on what you own. Grow what you've started.
SCV Lending Inc. provides personal loans, business loans and collateral-backed financing to Filipino families, entrepreneurs and property owners, with clear terms and the full cost shown before you sign.
SEC-registeredCertificate of Authority No. 2351
Full cost upfrontDisclosure Statement before you sign
Since 2017Serving clients from Makati City
Financing for your business, your assets and your plans
Every loan is assessed case by case. The amount, term and rate depend on your income or business, any collateral, and your capacity to pay.
Business / SME Loan
Working capital, inventory, equipment or expansion funding for registered sole proprietorships, partnerships and corporations. Repayment terms are matched to your cash flow.
Learn more →Real Estate Mortgage Loan
Use titled land, a house and lot, or a condominium unit (TCT/CCT) as security for a larger loan amount, based on the property's appraised value. You keep using the property.
Learn more →Vehicle Loan (Chattel Mortgage)
Use a car, truck or commercial vehicle registered in your name as collateral and keep driving it. Processing is usually faster than a property loan.
Learn more →Start your loan journey with us
Quick initial assessment
Clear requirements.
No surprises.
No surprises.
Personal service from a loan officer
Our Process
- Inquire: call, message or visit our office.
- Submit: bring your documents for verification.
- Appraise: we appraise your collateral and review your capacity to pay.
- Disclose & sign: you review the full Disclosure Statement first.
- Release: proceeds are released once documents are complete.
Who Can Apply
- Filipino citizens of legal age with a steady source of income
- For business loans: business duly registered and operating
- For collateral loans: asset registered in the borrower's name
- Co-borrower may be required depending on age and loan amount
Requirements
- Two valid government-issued IDs
- Personal loans: proof of income (payslips, COE or ITR)
- Business loans: DTI / SEC registration and Mayor's Permit
- Latest ITR or financial statements
- Last 3 to 6 months' bank statements
For collateral loans
- Real estate: owner's copy of TCT/CCT, tax declaration, RPT receipts
- Vehicle: original OR/CR, vehicle for inspection
Frequently asked questions
Is SCV Lending Inc. a registered lending company?
Yes. SCV Lending Inc. is registered with the Securities and Exchange Commission under SEC Reg. No. CS201719299 and holds Certificate of Authority No. 2351 to operate as a lending company under Republic Act No. 9474.
How much can I borrow?
It depends on your business's capacity to pay and, for collateral loans, the appraised value of your property or vehicle. A loan officer will give you an estimate after an initial assessment.
Will I know the full cost of the loan before signing?
Yes. Before you sign, we give you a Disclosure Statement showing the loan amount, finance charges, net proceeds and effective interest rate, as required by the Truth in Lending Act (R.A. 3765).
Can I keep using my property or vehicle while it is mortgaged?
Yes. With a real estate or chattel mortgage, you keep possession and use of the asset as long as the loan is in good standing.
Can I pay my loan early?
Yes. Ask your loan officer about early payment, as the terms are stated in your loan documents.
Do you ask for payment before the loan is approved?
No. We never ask for advance fees before approval or for payment to a personal bank or e-wallet account. See the warning below.
Beware of loan scams
SCV Lending Inc. will never ask for an advance fee, a "processing fee" before approval, or payment to a personal bank or e-wallet account. Pay only at our office or into official accounts in the company name. If in doubt, call our office directly.
Ready to talk about your financing?
Call, message or visit us. A loan officer will walk you through your options. There's no obligation.