Asialink Loan: Asialink Finance Corporation’s Financial Solutions

Financial challenges are a common part of life, whether it’s the need for additional funding in your business or providing financial support for a loved one’s medical expenses. When traditional loan options are exhausted, private lenders like Asialink Finance Corporation can offer viable solutions.

In this article, we will delve into the various financing options offered by Asialink, shedding light on their services and benefits.


Asialink Finance Corporation, often referred to simply as Asialink, is a well-established lending company that was founded back in 1997. Since its inception, the company has garnered a reputation for providing financial solutions with competitive interest rates and impressive processing times.

What sets Asialink apart from others is its inclusive approach, serving both businesses and individuals, catering to their unique financial needs with tailored loan products. The company’s growth is evident in its vast workforce, which boasts over seven hundred dedicated personnel, along with thousands of independent consultants operating nationwide. Asialink’s extensive reach is further bolstered by the presence of more than 80 branches strategically located across the country.

When dealing with financial matters, one of the key concerns is legitimacy. No one wants to be caught up in a scam or fraudulent scheme. Rest assured, Asialink Finance Corporation is a fully legitimate entity, officially listed with the Securities and Exchange Commission (SEC). Its registration number, A199711768, CA No. 570, provides concrete evidence of its compliance with the necessary regulations and requirements.

Asialink prides itself on offering a wide array of loan products to suit diverse financial requirements. Each loan type is designed to address specific situations and needs, providing borrowers with the flexibility they seek when searching for financial assistance.

Sangla OR/CR Loan

The Sangla OR/CR loan is an attractive option for vehicle owners who need immediate cash. With this loan product, borrowers can leverage their vehicle’s title, also known as the Official Receipt/Certificate of Registration (OR/CR), as collateral to secure the funds they require. Once the loan is fully repaid, the borrower’s vehicle title is promptly returned to them. The maximum repayment term for this loan is 48 months, giving borrowers ample time to manage their finances responsibly.

Vehicle Financing

For those looking to purchase a new or second-hand vehicle, Asialink’s vehicle financing option offers a viable solution. By availing this loan, borrowers can secure the necessary funds to acquire the vehicle of their choice. The maximum repayment term for the vehicle financing loan is also set at 48 months, allowing borrowers to manage their repayments comfortably.

Doctor’s Loan

The Doctor’s loan is a specialized personal loan designed exclusively for medical professionals, including general practitioners, ophthalmologists, and dentists. This loan caters to their unique financial needs, providing a maximum repayment term of up to 12 months.

Asialink adopts a collateral-based lending approach, which means that the loan amount available to a borrower is determined by the appraised value of their chosen asset, usually a vehicle. Borrowers can apply for a loan amount equivalent to as much as 70% of their vehicle’s appraised value. However, it’s important to note that only vehicles manufactured from the year 2005 onwards are eligible for Asialink financing.

Interest rates are a critical factor when considering any loan application. At Asialink, the interest rates for various loans vary based on the loan type being applied for.

For the Sangla OR/CR loan and second-hand car loans, borrowers have the opportunity to secure impressively low-interest rates, potentially as low as 1.5%. On the other hand, those seeking the Doctor’s loan will encounter a slightly higher interest rate of 1.75%. Additionally, borrowers availing the Doctor’s loan are required to cover a 5% Asialink processing fee.

When choosing a lending institution, borrowers weigh the benefits and advantages they stand to gain from availing loans from that particular company. Asialink Finance Corporation has developed several features that make it an appealing choice for borrowers:

  • A Variety of Loans: One of the standout features of Asialink is its diverse range of loan products, catering to different financial needs and repayment capacities. Whether you require a car loan, Sangla OR/CR loan, or a doctor’s loan, Asialink has a product to suit your specific needs.
  • Retain Collateral: Unlike some car title loan companies that require borrowers to surrender their vehicles completely, Asialink allows borrowers to retain possession of their vehicles. Borrowers only need to submit the OR/CR, allowing them to continue using their vehicles. This is particularly helpful for individuals who rely on their vehicles for generating income.
  • Wide Range of Accepted Vehicles: Asialink’s Sangla OR/CR loan accepts a diverse range of vehicles as collateral. Borrowers can use various types of vehicles, including cars, trucks, taxis, public utility vehicles (PUVs), multicabs, tricycles, and motorcycles.
  • Acceptance of Old Car Models: Many lending institutions have strict criteria when it comes to accepting vehicles as collateral. However, Asialink is more accommodating, accepting car models from the year 2005 onwards. Moreover, if a borrower opts to use a truck as collateral, the acceptance criteria are even more lenient, with any make and year model being considered.
  • An Established Company: The fact that Asialink Finance Corporation has been operating in the country for 26 years speaks volumes about its capability as a lender. Its reputation and longevity in the industry instill confidence in borrowers, knowing they can rely on the company when faced with financial challenges.

In evaluating the credibility of a financial institution, the track record and reputation of the lender are of paramount importance. Asialink Finance Corporation has proven itself as a reliable financing company over nearly three decades, successfully assisting both individuals and businesses in obtaining much-needed financial support. One of its most notable attributes is its commitment to providing loans to unbanked and underserved Filipinos, filling a crucial gap in the financial market. Many of Asialink’s clients would otherwise struggle to qualify for traditional bank loans, making the company an invaluable resource for those in need.

During the challenging times brought on by the pandemic in 2020, Asialink Finance Corporation demonstrated its flexibility and empathy by restructuring loans for individual borrowers. By doing so, Asialink helped borrowers meet their financial obligations while also keeping their businesses afloat during uncertain times. This willingness to adapt and support its clients in times of crisis further solidifies Asialink’s credibility and customer-centric approach.

Moreover, the endorsement of Asialink Finance Corporation by Chinkee Tan, one of the leading financial influencers in the country, adds another layer of credibility. Tan’s emphasis on Asialink’s low interest rates and high appraisal of collaterals speaks to the company’s commitment to providing favorable terms to borrowers.

Before applying for any loan, it’s crucial for borrowers to be aware of the specific requirements and qualifications set by the lending institution. Asialink Finance Corporation has straightforward criteria for loan applicants:

General Qualifications

To be eligible for an Asialink loan, applicants must meet these general qualifications:

  • Filipino citizen: Borrowers must be Filipino citizens, ensuring that loans are available to local residents.
  • Age requirement: Applicants must be between 21 and 60 years old, reflecting the company’s commitment to serving working-age individuals.
  • Stable source of income: Borrowers are required to demonstrate a stable and verifiable source of income, ensuring their ability to repay the loan.
  • Valid contact number: To maintain open communication throughout the loan process, borrowers must provide a valid contact number.
  • Vehicle ownership (for OR/CR loan): For Sangla OR/CR loan applicants, vehicle ownership is a mandatory requirement.

Sangla OR/CR Loan Requirements

Borrowers seeking a Sangla OR/CR loan should prepare the following Asialink loan requirements:

  • Two primary IDs: Borrowers must present two valid and government-issued identification documents for verification purposes.
  • Proof of billing: A copy of the latest water or electric bill serves as proof of the borrower’s residence.
  • Copy of OR/CR: To secure the loan against the vehicle’s title, borrowers need to submit a copy of the Official Receipt and Certificate of Registration.
  • Proof of Tax Identification Number (TIN): Borrowers must provide documentation of their TIN, an essential requirement for legal and tax purposes.
  • Documented proof of income: For employed borrowers, this may include a Certificate of Employment, Company ID, and the latest three months’ payslips and payroll bank account statement. For self-employed borrowers, such as proprietors, proof of income may include a Mayor’s Permit, DTI registration, and three months’ bank statements.
  • Latest picture or stencil of the vehicle (for truck loans): For truck loans, borrowers need to submit a recent photograph or stencil of the vehicle, aiding in the appraisal process.

It’s essential to note that additional requirements may be requested during the credit evaluation process, depending on the applicant’s specific circumstances and the loan type applied for.

Used Car Loan Requirements

For borrowers interested in purchasing a used car through Asialink’s financing, the following requirements apply:

  • Borrower’s valid IDs: Borrowers must provide valid identification documents for verification purposes.
  • Used car seller’s valid IDs: Documentation of the used car seller’s identity is also required for verification purposes.
  • OR/CR of the vehicle: Proof of ownership in the form of the vehicle’s Official Receipt and Certificate of Registration must be submitted.
  • Offer to Sell/Purchase Agreement: This agreement serves as a legal document outlining the terms and conditions of the vehicle purchase.
  • Proof of income: Depending on the borrower’s employment status, proof of income may include a Certificate of Employment, payslips, Income Tax Return (ITR), and DTI registration for business owners, among others.
  • Proof of Tax Identification Number (TIN): As with all loan applications, borrowers must provide proof of their TIN.
  • Proof of credit score: Asialink may require documentation of the borrower’s credit score as part of the application process.
  • Latest picture of the used vehicle: To aid in the vehicle appraisal process, a recent photograph of the used vehicle is required.

Doctor’s Loan Requirements

Medical professionals looking to avail the Doctor’s loan must submit the following requirements to Asialink:

  • Professional Regulation Commission (PRC) ID: Proof of the borrower’s professional license and registration is essential for this loan.
  • Proof of billing: Documentation of the borrower’s residence, such as a utility bill, serves as proof of billing.
  • Three months’ bank statement: Providing a recent bank statement verifies the borrower’s financial standing.

Applying for an Asialink loan is a straightforward process, encompassing several steps that borrowers must follow diligently:

  • Step 1: Check Your Eligibility Before initiating the application process, borrowers must ensure that they meet the general qualifications for an Asialink loan. The company’s commitment to responsible lending is reflected in these criteria, ensuring that borrowers can reasonably manage the loan.
  • Step 2: Fill Out the Application Form Once eligibility is confirmed, borrowers need to complete the application form accurately and comprehensively. The application form typically requires details such as the applicant’s full name, email address, desired loan type, source of income, and other relevant information.
  • Step 3: Collate the Required Documents Thorough preparation is essential for a smooth loan application process. Borrowers must gather all the required documents, including valid identification, proof of billing, vehicle documents (for Sangla OR/CR loans), and proof of income, as specified for the loan type being applied for.
  • Step 4: Submit the Application With all necessary documents in hand, borrowers can submit their loan application to the nearest Asialink branch or opt for the convenience of an online application. For online applications, borrowers must fill out the required form on Asialink’s official website. Upon successful submission, applicants will receive an email containing further instructions regarding their application. It is crucial to note that the application process is entirely free, and borrowers should exercise caution against any agents requesting fees for processing.

Asialink recognizes the significance of personalized assistance throughout the loan process. To address inquiries and concerns related to loan applications, borrowers can reach out to Asialink through various channels:

  • Loan Consultants: Asialink has a dedicated team of accredited loan consultants who possess in-depth knowledge and experience in the field. These consultants are spread across the country, allowing borrowers to access assistance easily. Importantly, Asialink loan consultants provide their services without charging any fees, ensuring that borrowers receive valuable guidance without any additional financial burden.
  • Telephone: For direct communication, borrowers can contact Asialink via designated phone numbers, catering to different aspects of the loan process. The loans department can be reached at (02) 8631-4380 or 09178628657, while customer service inquiries can be directed to 09178473639 (Globe) or 09088868780 (Smart).
  • Email: For online communication and written queries, borrowers can reach Asialink at [email protected].

To provide clarity and address common concerns, we’ve compiled a list of frequently asked questions about Asialink loans:

How will I know if my loan application has been approved?

Asialink Finance Corporation ensures open communication throughout the loan application process. Once the loan application is approved, borrowers can expect a call from Asialink personnel, informing them of the approval status and providing detailed instructions on how to claim the loan proceeds.

How do I get the loan proceeds?

Asialink Finance Corporation disburses loan proceeds through various methods, providing flexibility to borrowers. Loan proceeds can be received via checks, direct deposit into the borrower’s bank account, or loaded onto a cash card for convenient access.

Can I still apply for a loan even if I don’t have an existing checking account?

Asialink understands that not all borrowers may have an existing checking account. In such cases, Asialink may endorse borrowers to its partner bank if a checking account is deemed necessary for the loan type requested.

How can I pay my loan?

Asialink offers multiple payment options to suit borrowers’ preferences and convenience. Loan repayments can be made through post-dated checks (PDCs) or at Asialink’s partner payment centers located nationwide. The partner payment centers include M Lhuillier, Cebuana Lhuillier, Bayad, Robinsons Bank, Rizal Commercial Banking Corporation (RCBC), Asia United Bank (AUB), UnionBank, GCash, Maya, ECPay, TrueMoney, and 7-Eleven. Borrowers can choose the most convenient payment method for them, ensuring timely and hassle-free repayments.

To pay at any of Asialink’s partner payment centers, borrowers simply need to follow these steps:

  • Visit the nearest Asialink payment center.
  • Fill out the bill payment application form, providing the following details: Asialink Finance Corporation as the payee, 16-digit PN Reference Number, and the payment amount.
  • Make the payment at the cashier.
  • Keep the validated bills payment form for future reference.

I have an outstanding balance. Can I renew my loan?

Asialink Finance Corporation recognizes that borrowers may require additional financial assistance, even if they have an outstanding balance on an existing loan. Borrowers who have already paid at least 50% of their original loan may apply for a loan renewal. However, it’s essential to be aware that the outstanding balance from the previous loan will be deducted from the proceeds of the new loan. To initiate the loan renewal process, borrowers can contact Asialink’s Renewal Department or visit the nearest branch. Alternatively, borrowers can seek assistance from an Asialink Loan Consultant for guidance through the renewal process.

For borrowers who prefer in-person communication, Asialink Finance Corporation’s head office is located at Suite 210, AIC Gold Tower, Emerald Avenue cor. Garnet Road, Ortigas Center, Pasig City. The head office serves as a central point for borrowers seeking direct assistance or clarifications regarding their loans.


Asialink Finance Corporation stands as a reliable and reputable non-bank lender in the Philippines. Its 26-year heritage in the industry is a testament to its dedication to serving the financial needs of Filipinos across the country. The company’s commitment to assisting unbanked and underserved individuals highlights its dedication to financial inclusion and social responsibility.

Borrowers considering Asialink for their financial needs are encouraged to read this comprehensive review and seek insights from friends and family who have availed loans from the company. Hearing firsthand experiences of how Asialink has supported others during financial hardships can provide valuable perspective and confidence in the company’s services.


Whether borrowers require financial support for personal needs or business ventures, Asialink Finance Corporation’s diverse range of loan products ensures that individuals find tailored solutions to meet their unique circumstances. Asialink’s inclusive approach, commitment to responsible lending, and established reputation make it an ideal choice for those seeking accessible and reliable financial solutions in the Philippines.

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