SB Finance
About SB Finance
SB Finance’s current consumer-finance partnership began in 2020, backed by Security Bank and Thailand’s Krungsri. It provides borrowing products for everyday personal and vehicle-related needs.
Company background
MotorsikLOAN · regular motorcycles
MotorsikLOAN finances new and pre-owned motorcycles through partner dealers. Regular bikes start at 2.8% monthly; medium and high-end bikes advertise rates from 0.75% monthly.
Minimum requirements
- Employed, self-employed or supported by OFW remittances, with evidence of income.
- A down payment is required.
Documents
- Government-issued photo ID.
- Employees: latest payslip, certificate of employment or three months of bank statements.
- Business owners: business registration and income records. OFW beneficiaries: remittance records or employment contract.
Repayment and costs
- Regular and medium bikes: 12–36 months. High-end bikes: up to 48 months. Eligible motorcycles can cost up to ₱2 million; the amount borrowed is the selling price less the down payment.
- TPL insurance is required for regular bikes; medium and high-end bikes require comprehensive insurance. The dealer collects the down payment.
Personal Loan
The personal loan advertised through Security Bank is provided by SB Finance. We list it once under the actual finance company.
Minimum requirements
- Filipino citizen, age 21+ at application and no older than 65 at maturity, office or residence landline.
- Employed income minimum: ₱15,000 Metro Manila or ₱12,000 outside. Self-employed: ₱60,000 gross monthly income, qualifying ownership and two profitable business years.
- Self: minimum monthly income ₱60,000.
Documents
- Employees: payslip, COEC, ITR or qualifying credit-card evidence. Remote workers: ID, employment records, three months pay/bank history and company email.
- Business applicants: audited statements, registration, permit, bank statements and trade references. OFW beneficiaries have separate identity, relationship and remittance requirements.
Repayment and costs
- Employee threshold depends on location, which this filter does not collect.
- Published processing fee ₱5,000 plus ₱300 notarial fee for loans from ₱100,000. Confirm insurance, net release, effective rate and all final charges.
eSALAD
Salary finance accessed through a participating payroll arrangement. Employer participation and your assigned limit must be confirmed.
Minimum requirements
- Access depends on employer onboarding and payroll arrangements, the advertised amount depends on net salary credits. Confirm whether eSALAD or the separate Corporate Salary Loan rules apply.
Repayment and costs
- Advertised range, individual limit depends on net salary credits. Do not apply CSL eligibility automatically to every eSALAD account.
eSALAD Lite
Small salary advance repaid over one month through two payroll deductions.
Who can apply
Payroll offer
If you cannot repay on time
Contact SB Finance before the payment date with your loan reference, the reason for the shortfall and a realistic payment proposal. Ask which assistance options apply to your account and request the revised dates, charges and total payable in writing. Continue using the agreed schedule until the company confirms a change.
Repayment help