Getting Secondhand Car Financing at M Lhuillier is easy as 1-2-3

Did you know that more than 85% of the households in the Philippines do not have their own cars? 

According to a 2022 survey published in Statista.com, about 11% of the households or only 2 out 20 Filipinos own either a car, jeep, or van.  So yes, despite the traffic and the number of vehicles we see on the roads everyday, there is still a huge gap since only a number of Filipinos actually have their own cars. The cars that we see on the road are owned by the same households who are privileged to have multiple vehicles. 

Why? Is it difficult to buy a car in the Philippines?

Many Filipinos do not have their own cars for various reasons. However, it is said that it is no longer difficult to buy a car nowadays. In fact, the car industry has been very generous to provide a lot of promotions such as low downpayment and monthly fees in order to make it affordable and accessible for the average Filipino. 

Financial services have tremendously improved too. Aside from banks, there are also many financial institutions who now offer car loans, providing Filipinos more options in getting their dream car. 

For example, M Lhuillier, who is available not just in commercial areas but also in relatively low-key communities, and far-flung barangays provides opportunities for all Filipinos to get their dream car through their ML Quick Car Loan service. 

Can you tell me more ML Quick Car Loan?

ML Quick Car Loan service is the solution to your cash problems by providing a straightforward process in getting a car loan. It is known for its flexibility in loan terms and competitive interest rates.

This service can be used to: 

• Buy a second-hand car

• Refinance your existing vehicle/ use it as a collateral to get a loan  

Wow! That’s amazing. Can you tell me more about buying a second-hand car?  

More and more customers are opting to buy second-hand cars for different reasons. The most common one is practicality since second-hand cars are more affordable and cheaper given that the bulk of depreciation already occurred. Insurance rates are also lower compared to brand new units. 

This is something that M Lhuillier understands since not all banks offer second-hand car financing. Through ML Quick Car Loan, you can now apply for car financing for units with year/model 2013 and up. 

** Please note that the unit/ year should not exceed 10 years upon maturity of the loan.  

Who is qualified to get a loan? 

This is available for those who are locally employed, OFWs, pensioners and self-employed individuals with proof of income, or a pensioner with proof of pension payments. 

What are the financing terms?  

Client will pay the dealer 30% of the appraised value and the remaining 70% of the appraised value, M Lhuillier will pay to the dealer.

The maximum term is 3-4 years. Chattel fee and Comprehensive insurance are required. 

How do I apply for a ML Quick Car Loan? 

The application is as easy as 1-2-3. 

1.  Check if you are qualified for ML QCL Pre-owned Car Financing. 

2.  Pick a second-hand car from a legit dealer. Units from Honda, Toyota, Mitsubishi, Isuzu, Ford, Suzuki, and Nissan are accepted. Once you have chosen a vehicle, Pay 30% of the cost as downpayment. 

3. Then, bring the OR/CR of the car and other ML Quick Car Loan requirements to any M Lhuillier branch to get financing help with the rest of the 70% payment or you can also apply online for a car loan!

Easy right? So, what are you waiting for? Here’s your chance to get your dream car today.  

For more details, visit https://mlhuillier.com/car-loan/ 

PSAHelpline.ph: Your One-Stop Shop for Secure & Easy Online PSA Certificates in 2024

The first 2 months of the year is almost done! January was a bit dragging. Many felt it was so long and slow. February, on the other hand, was really fast and surprised many of us that now, it's about to end in just a few days. 

So, we're wondering... How are you with your goals for 2024? 

Whether you are planning to invest in real estate, travel with your family and you simply just want to get all your affairs in order. It is best to start working on it now. 

You can begin by making sure that you have all the documents available when you need it. 

In case you are not aware, CENOMAR or Cerificate of No Marriage is now required by some real estate companies if you are planning to buy a house and lot. 

Birth Certificate and Marriage Certificates (if applicable) if you are applying for a passport. 

Now, the best part is that you can now get these documents online through PSAHelpline.ph 

PSAHelpline.ph is a user-friendly online channel, simplifying the process of acquiring essential PSA certificates, including birth, marriage, death, and Certificate of No Marriage or CENOMAR. The website is easily accessible through desktops, tablets, or mobile phones, and offers a convenient and secure solution for Filipinos seeking a straightforward and efficient way to obtain vital civil registry documents wherever they are in the country.

Since 2000, PSAHelpline.ph has swiftly addressed the need for hassle-free ordering and delivery of PSA certificates. In an effort to provide better services, it has undergone remarkable enhancements, offering seamless and efficient features over the year.

1. Easy, Fast, and Secure Ordering Process

PSAHelpline provides an uncomplicated ordering process, allowing users to easily request copies of their PSA certificates, all from the comfort of their homes or offices, ensuring that individuals across the country can benefit from its streamlined and efficient services.

To order, follow these easy steps:

• Log on to www.PSAHelpline.ph and fill out and submit the online order form. A reference number will be assigned to the application.
• Pay for the order through any of the online payment channels available, or over the counter at payment center hubs.
• Wait for the PSA certificate to be delivered.

2. Cost-Efficient Shipping for Multiple Copies

When it comes to ordering multiple copies of the same PSA certificate, PSAHelpline provides users with a friendly advantage that puts money back in their pockets. Implemented in January 2021, it is a cost-effective approach where the service ensures that the applicant only incurs a single shipping fee, no matter how many copies of the same PSA certificate is ordered to be delivered to one address.

3. Diverse Payment Options for Convenience and Safety

Recognizing the importance of convenience and safety in transactions, PSAHelpline.ph provides a variety of payment options. Whether online or over the counter, applicants can choose the method that best suits their preferences and needs, ensuring a secure and reliable payment process. Applicants may conveniently pay online immediately after submitting their orders.

Online payments are made available for the following: Visa or Mastercard credit cards

• GCash
• Maya
• Bayad Online

Over the counter payments:

• 7-Eleven
• Bayad
• Palawan Pawnshops

Other payment channels available:

• BancNet ATMs
• Dragonpay

4. Flexible Delivery Options, Including National Book Store Outlets

PSAHelpline.ph caters to users’ needs with flexible delivery options. Users can choose to have their PSA certificates dropped off at select National Book Store outlets, providing a secure alternative for those unable to receive their documents personally.

Opting for this delivery method provides individuals with the freedom to collect their PSA certificate at a time that aligns with their schedules, offering a convenient alternative for those constantly on the move or with unpredictable work commitments.

The National Book Store pick-up option prioritizes security and privacy. The certificate will only be released to the certificate owner or an authorized requester, and this handover is contingent upon presenting a valid government-issued ID.

As of now, this delivery method is available for orders within Metro Manila and select National Book Store branches. PSAHelpline is actively working to expand this service to include more provincial branches, ensuring that the convenience of the National Book Store pick-up option becomes accessible to a broader audience across the country.

5. Convenient Order Tracking

PSAHelpline.ph takes transparency seriously by allowing users to track the status of their orders easily. With a simple click on the “Check Status” button on the homepage and the input of the Order Reference Number, applicants can stay informed about the progress of their request, offering peace of mind and assurance.

6. Reliable Customer Support

Experience personalized assistance with PSAHelpline.ph through the dedicated customer support hotline, available Monday to Saturday, from 8AM to 5PM (excluding holidays). Users can speak directly with a live agent to personally follow up on their orders or clarify any questions about the services. Alternatively, users can reach out through email at help@psahelpline.ph, and the email support agents will promptly address their concerns.

PSAHelpline stands as a steadfast ally for those seeking convenient online access to PSA certificates. With over two decades of commitment, PSAHelpline not only ensures efficiency but also prioritizes the safety and security of the applicants’ personal information. Serving as a reliable and user-friendly platform, it remains dedicated to simplifying the process of obtaining vital documents, embodying a legacy of trust that has stood the test of time.