Universal LMS Finance and Leasing Corporation

Loan for Used Cars

Embrace the freedom of the open road with our hassle-free used car financing solutions. We offer flexible terms and low down payments to suit your budget, making quality used cars more accessible than ever.

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 interest 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.

Minimal requirements

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.

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    ULMS is more than just your average auto loan company

    Transparent Process

    At ULMS, transparency is key. We believe in clear communication, ensuring that you fully understand the terms of your loan or lease from the beginning.

    Personalized Solutions

    We recognize that every individual and business has unique financial needs. Our team works closely with you to tailor loan and leasing solutions that align with your specific requirements and goals.

    Customer-Centric Approach

    Our commitment to customer satisfaction is unwavering. From application to the final payment, we prioritize your experience, offering support and guidance every step of the way.

    Financial Flexibility

    Enjoy financial flexibility with our low down payments, competitive rates, and extended terms. We empower you to make the best choices for your budget and lifestyle. For car loans, make it our way at Universal LMS Finance and Leasing Corporation.

    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