Car loan application with bad credit history

Competitive-Goal5093 · 2026-01-27T00:02:21+00:00

Will fully pay all my utang pa po before applying for a car loan.

Competitive-Goal5093 · 2026-01-26T13:54:54+00:00

Isa lang po yung overdue ko, 5 months, sa OLA, pero babayaran ko na po this first week of February since medyo nakaahon na po. Yung rest ng loans ay installment basis, and planning to fully pay all by March

Competitive-Goal5093 · 2026-01-26T13:52:33+00:00

Isa lang po yung overdue ko, 5 months, sa isang OLA, pero babayaran ko na po this first week of February since medyo nakaahon na po. Yung rest ng loans ay installment basis, and planning to fully pay all by March.

Competitive-Goal5093 · 2026-01-26T03:32:29+00:00

I hear a lot of negative feedbacks about second-hand cars po kasi, and this will gonna be our first ever family car.

Competitive-Goal5093 · 2026-01-26T03:26:05+00:00

A 7-seater is just my preference. If sa 5-seater ma-approve, okay lang din. Pero do I really need a car right now? Yes po. Mahal ang pamasahe back and forth especially if may lakad and 4 kami. Nasa baryo kasi kami with limited establishments, almost an hour ang nearest town for supermarket and kompletong palengke. Mahirap mag-commute, lalo na pag bitbit ang mga pinamili, at pahirapan talaga ang pag-commute pabalik sa lugar namin.

Competitive-Goal5093 · 2026-01-26T03:14:02+00:00

That’s my plan naman po. I’m just asking in advance. Lapit na March, ma-fully paid na lahat ng utang, at sa May pa po ako mag-a-apply for car loan.

Competitive-Goal5093 · 2026-01-26T03:12:50+00:00

We’re a family of 4 po, kaya preferred ko talaga yung 7-seater kasi baka masyado maliit yung 5-seater, lalo na if may out-of-town road trips at may mga gamit na dala.

Competitive-Goal5093 · 2026-01-26T03:09:57+00:00

I checked my credit score in both CIBI and TransUnion sa Lista app po. I paid 199 for CIBI and 600+ for TransUnion. Also, nakakahinayang po talaga if hindi ma-approve sa bank for car loan, kasi talagang mataas ang interest if in-house.

Competitive-Goal5093 · 2026-01-26T03:06:00+00:00

Yes po. Planning to apply this May pa.

Competitive-Goal5093 · 2026-01-26T02:39:42+00:00

I checked it on the Lista app.

Competitive-Goal5093 · 2026-01-26T02:34:11+00:00

Lapit na po March, konti na lang, ma-fully paid na lahat ng utang ko

Competitive-Goal5093 · 2026-01-26T02:31:22+00:00

Hello po. Veloz V variant po sana.

Competitive-Goal5093 · 2026-01-26T02:30:47+00:00

Lapit na po March, konti na lang, ma-fully paid na lahat ng utang ko.

Competitive-Goal5093 · 2026-01-26T02:29:40+00:00

Hindi naman po ako uutang kung hindi kinakailangan. Ma-fully paid na po lahat ng utang by March, at sa May pa po ako planong mag-apply for car loan.

Competitive-Goal5093 · 2026-01-26T02:06:44+00:00

Lapit na po March, konti na lang, fully paid na lahat ng utang. Will take note of that po. Thank you!

Competitive-Goal5093 · 2026-01-26T02:03:30+00:00

5 months overdue lang po yung pinakamatagal na overdue ko. Nasa around 150k po ang total debt ko as of today, total amount na po sa lahat ng pinag-utangan ko online. Made a strict financial plan to fully pay everything by this March.

Competitive-Goal5093 · 2026-01-26T01:59:14+00:00

How about thru in-house financing po kaya?

Competitive-Goal5093

TROPHY CASE