agent or direct? (for bank loan)

[zanderpogi]

Just wanna ask for your opinions is it better to have an agent or directly go to the bank for car loan?

[myk384]

To be safe, go directly to the bank.

[dondonposadas]

Basically you have 2 points to consider. Please refer below:

Deposit
High - Bank
Low - Agent

Monthly Amortization
High - Agent
Low - Bank

I hope this helps.

[zanderpogi]

Thanks you po!

[derf8666]

If same terms lang naman which is usually the case, why not avail of an agent's services para to make your life a bit easier naman. Just make sure that he is properly accredited with the financing institution.

[wifi21]

Just wanna ask for your opinions is it better to have an agent or directly go to the bank for car loan?

Direct sir. Agents offer higher rates compared to direct. I work for Direct. You may contact me directly for your queries.

Send me your email address and concern via PM. I have no internet connection in the office that's why I cannot reply on time on your PM. But I can email you immediately.

[EJS12129]

if you have canceled credit cards, you better look for an agent, but if your clean go direct to the bank.

[zanderpogi]

Thanks po sa lahat ng reply sir wifi galing na po ako sa bank nagdirect po ako thanks anyway!

[aljan_fs]

Hi. my wife has cancelled credit cards matagal na and gusto sana namin magcarloan. can agents/financing companies (i.e. asialink and raining pesos) help us?

Re: agent or direct?

if you have canceled credit cards, you better look for an agent, but if your clean go direct to the bank.

[shadow]

Hi. my wife has cancelled credit cards matagal na and gusto sana namin magcarloan. can agents/financing companies (i.e. asialink and raining pesos) help us?


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oh man...I think meron ibang banks or financial institution na nag approve pa rin ng car loans sa mga defaulters, meron naman collateral sa uutangin eh yun car mismo. pero mataas yata interest. ewan ko mga bankers dapat natin dito sumagot.

BTT:
direct ka na siyempre dahil ang bilis bilis na ngayon mag car loan eh, hinde na kailangan ng agent

[aljan_fs]

Thank you Shadow. We initially tried sa raining pesos, online kasi sya and they are calling us na asking us to submit the requirements which will they forward daw sa AMA Bank.

[shadow]

AMA bank? direct na lang kayo, second hand car ba?

[uls]

why would anyone want to go thru an agent?

no agent no commission cost

[aljan_fs]

Yup AMA Bank daw. Medyo nagaalanganin nga kami coz of the cancelled credit cards of my wife before. Ayaw namin madecline because of that kaya we tried raining pesos, nakita lang namin ad nila sa sulit. we don't have to pay them anything daw eh. sorry very gullible naman kami kasi first time namin ito.

AMA bank? direct na lang kayo, second hand car ba?

[aljan_fs]

And yes pala, second hand car lang tinatarget namin.

[emms1121]

Bakit nacancel credit card sir? Di ba kayo nakakabyad or wala naman kayong utang pero gusto nyo lang pacancel? If wala naman, no problem yan sa bank approval. Pero kung blacklisted kayo, medyo malaking problema nga.

[shadow]

Ano kikitain ng agent na ping applyan niyo? Baka naman sobrang lake ng interest? Tanong muna kayo AMA Kung magkano interest nila para makita niyo difference, saka ikaw na Lang mag apply huwag na wife mo kung bad credit siya. Ah magiging co signie pala asawa mo.

Pero try mo wala naman mawawala eh baka matagal na yun nabura na sa record

[zanderpogi]

Thanks everyone anyway got my new ford fiesta now white and very happy with it! waited for psbank but they werent replying guess they dont have much fund already! Unlikely to what they said isang tulog lang hahaha! Thanks to BPI i already had an account with them kaya in three days released na agad! Thanks to all and happy to be tsikoters!

[eph11]

Sir magkano rates na nakuha mo sa BPI? I'm also planning on getting a loan from them.