How in-house financing works when buying a used car in Cagayan de Oro

Buying a used car in CDO does not require a bank loan. Here is how dealer financing works at Big Z Cars, step by step.

1. Pick your unit and down payment

Every car on our site shows an estimated monthly payment. The down payment starts at 20% — promo units can go lower (watch for the red DP badges).

2. Get pre-qualified in one minute

Use the Get pre-qualified button on any car page. No credit check online — we call you the same day with your real offer, whether in-house or through a financing partner.

3. Bring the requirements

• Two valid government IDs
• Proof of income (payslip, business permit, or remittance history)
• Proof of billing
• Your down payment

4. Drive home

Sign at the lot, we handle the LTO transfer, and the unit is yours. Most releases happen within the day.