The car-buying app for Filipinos. Brand new from a dealer, or a car you found posted anywhere.
Apply once.
We get you
approved to
finance it.
We keep working across financing partners until you are approved.
You already know the car you want. The hard part is the financing. CarDeck submits your application once and keeps working on your behalf across financing partners. If one says no, we go straight to the next. You do not stop at the first no, and you never reapply.
- Free for buyers
- No spam calls
- Brand new + second-hand
- Your data stays private
Live comparison · 2024-11
Toyota Fortuner 2024
Cash price ₱2,150,000
Offer A
Best total costDP 20% (₱430,000) · 6.5% · 60 mo
₱33,700
per month
Offer B
Lowest monthlyDP 15% (₱322,500) · 7.2% · 72 mo
₱31,300
per month
Offer C
DP 10% (₱215,000) · 8.0% · 60 mo
₱39,200
per month
Get approved, then compare.
Comparison is the reward at the end. Once a financing partner approves you, your offers land side by side and you pick the best total cost of ownership.
CarDeck answers one application. It is sent to three verified partners: Dealer A, Dealer B, and Finco C. They send back competing offers: Dealer A ₱33,700 per month, Dealer B ₱31,300 per month, and Finco C ₱39,200 per month. On total cost, Dealer A is the cheapest. Choosing Dealer A over Offer B saves ₱124,100 across the life of the loan.
The choice is yours.
Brand new 
Brand new 
Second-hand
Financing rejection is the real reason car deals die.
Most Filipino buyers do not lose the car because of price. They lose it because the first lender said no, and they had no energy to start over somewhere else.
CarDeck submits once, keeps applying on your behalf, and only shows you the offers that said yes.
01
One 'no' and the deal dies
A single rejection from in-house financing is enough to kill most car dreams. You are already tired from the paperwork, so you stop.
02
You reapply somewhere else and fill everything again
Every lender wants the same ID, payslips, ITR, and COE. Doing it three or four times is exhausting, and repeated fresh applications leave a trail on your record.
03
You settle for the first 'yes', whatever the terms
Once someone finally approves you, relief takes over and you sign. You never find out that a cheaper offer was one call away.
First car or fifth, you stay in the driver's seat.
Sign up, build your buyer profile, and either browse verified listings or bring a car you found posted anywhere. Apply once, then we work with financing partners on your behalf until you are approved.
Get me approved- Buyer readiness score
- See what is still missing before you apply.
- Document vault
- Upload once, reuse on every application.
- Offer inbox
- Dealer and financing offers, side by side.
- Status tracker
- Track the progress of every application, live.
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Are you a dealer or financing company?
For Dealers
Receive qualified buyers with complete document packages. Stop wasting time on tire-kickers.
- Anonymous lead inbox
- Verified Dealer badge
- Buyer ratings after every closed deal (launching with our first transactions)
For Financing Companies
Banks and private fincos compete on the same field. Send loan offers to pre-qualified, document-complete buyers.
- Pre-filled applications
- Side-by-side competition
- Flat ₱1,500-₱3,000 per closed deal
From "I want that car" to "I drove it home", without the runaround.
01
You found the car
Brand new from a verified dealer, or a car you found posted anywhere. Bring it in and we verify the seller and the car for you.
02
Apply once
One profile, one set of documents, submitted a single time. No more filling out the same forms at every dealership.
03
We apply on your behalf, and we persist
We send your application to the dealer's financing partners first, then to the wider verified network. If one says no, we go to the next automatically. You never reapply.
04
Get approved, then compare
Once approved, your offers land side by side in your dashboard. Pick the best total cost of ownership and drive home the best deal.
All your offers in one dashboard.
One application, then wait for the offers to arrive. Track every one, live.
My applications
02 open
- offers in
2024 Toyota Fortuner
Listed ₱2,150,000 · 4 dealers
3 offers received
- waiting
2021 Honda City
Listed ₱780,000 · 2 dealers
Waiting for offers
Built so you do not get shortchanged.
- Persistence
We do not stop at the first no
If a financing partner cannot approve you, we automatically route your application to the next one. You get more shots at approval without lifting a finger, and you never see a dead end from us.
- Privacy
Your name is private until you say so
Dealers and lenders see your budget, timeline, and document completeness, not your name or number, until you accept an offer. No sudden sales calls. Ever.
- Math
We rank offers by total cost, not just the sticker monthly
Once you are approved, we compute total interest, chattel, and ownership cost, so you do not quietly lose ₱80,000 to a low monthly hiding a long term.
- Neutral
Banks and private fincos in the same race
BPI, BDO, Orico, Global Dominion, Asialink, listed fairly, side by side. We do not rank by who pays us more.
Straight answers, before you sign up.
- How does getting approved work?
- You apply once inside CarDeck. We submit that single application to financing partners on your behalf, starting with the dealer's own partner lenders, then the wider verified network. As soon as a lender approves you, the offer lands in your dashboard. You never fill out another form.
- What if a lender says no?
- We keep going. If one financing partner cannot approve you, we automatically send your application to the next one. You do not have to reapply, and we do not leave you at a dead end. You only ever see the offers that said yes.
- Can I finance a car I found somewhere else?
- Yes. Bring a car you found posted anywhere, we verify the car and the seller first, then run the same approval flow. Brand new from a dealer or a private listing, both paths land in the same dashboard.
- Is CarDeck really free for buyers?
- Yes, 100% free for buyers, always. Dealers and financing partners pay for marketplace access, never you.
- Will dealers or lenders see my name and number?
- No, not until you accept an offer. Your name and phone stay private while your application is in flight. No sudden sales calls.
Q01
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Q04
Q05
You picked the car. Let us get you approved.
Sign up once. We keep working across financing partners on your behalf until you are approved, then you compare offers and pick the best total cost. Founding accounts are free, forever.
Free for buyers · No spam calls · Your data, your control