Universal LMS Finance and Leasing Corporation

Seamless and affordable car loans for individuals and enterprises.

At Universal LMS Finance and Leasing Corporation, we make driving your dream car a reality.

Products and Services

Financing for New Cars

Our car financing options for brand new vehicles come with competitive rates, allowing you to enjoy the latest models with ease.

Financing for Used Cars

Embrace the freedom of the open road with our hassle-free used car financing solutions.

Lease to Own

Experience the joy of ownership through our innovative lease-to-own program.

Mortgage Loans

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Used Car Loans

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Why Choose Universal LMS?

With competitive rates and packages, we can help you get your dream car with ease.

Low Downpayment

Universal LMS stands out with our commitment to low down payments, ensuring that getting behind the wheel of your desired vehicle is within reach.

Competitive Rates

Benefit from our competitive interest rates that are designed to save you money over the life of your loan. We prioritize affordability without compromising on service quality.

Extended Terms for New Vehicles

Enjoy the flexibility of longer-term financing options for brand new vehicles. Our extended terms make it easier for you to manage payments while driving a new car.

Flexible Leasing with Low Guarantee Deposit

Our leasing options come with the advantage of a guarantee deposit as low as 10%, providing a cost-effective and flexible alternative for those looking to lease high-value vehicles.

Get approved in 3 easy steps!

Apply Online

Download and fill out our auto loan application form, providing basic information about yourself and your desired loan or lease. 

Approval and Documentation

Once approved, we’ll guide you through the necessary documentation to finalize your loan or lease.

Get Behind the Wheel

Whether it’s a new purchase or a lease-to-own arrangement, your journey with Universal LMS begins here.

Here's what our customers say

Working with ULMS for our car financing needs has been an exceptionally positive experience. The Marketing Officer demonstrated a high level of professionalism, efficiency, and a genuine commitment to understanding our unique requirements.

Aina Laxamana

Exclusive Cars International Holdings, Inc

ULMS is very efficient in handling our request for releasing our OR/CR once fully paid. Always there to help us with our requirements. Ms. Criz is very accommodating in providing our needs whenever needed.

Rachel Villanueva

G & S Transport Corporation/Avis Group

Excellent customer service skills and always take initiative to help customers find the best solutions for their needs, and their financial knowledge is impressive, and understand all of the organization’s products and services.

Lolita B. Areza

Areza Motor Sales