Installment (hulugan)
We run our own installment plan, so there’s no bank or finance company in the middle. You pay 20% down, and the balance has a flat add-on of 1.8% a month for 12 to 36 months. The same terms apply to every bike on the floor and to brand-new units we order in.
What you pay each month
Monthly amounts for the six bikes on the floor now, rounded to the peso. Pick a row, then the number of months.
| Bike, cash price | 20% down | 12 months | 18 months | 24 months | 36 months |
|---|---|---|---|---|---|
| Mio J 115, ₱29,500 | ₱5,900 | ₱2,391 | ₱1,736 | ₱1,408 | ₱1,080 |
| Mio M3 125, ₱42,000 | ₱8,400 | ₱3,405 | ₱2,471 | ₱2,005 | ₱1,538 |
| Raider 150, ₱48,000 | ₱9,600 | ₱3,891 | ₱2,825 | ₱2,291 | ₱1,758 |
| Classic 350, ₱178,000 | ₱35,600 | ₱14,430 | ₱10,474 | ₱8,497 | ₱6,519 |
| 790 Duke, ₱445,000 | ₱89,000 | ₱36,075 | ₱26,186 | ₱21,241 | ₱16,297 |
| Ninja ZX-6R, ₱548,000 | ₱109,600 | ₱44,425 | ₱32,247 | ₱26,158 | ₱20,069 |
How it’s worked out: balance × 1.8% × months, added to the balance, then divided by the months. For the Mio M3 on 12 months that’s ₱33,600 + ₱7,258 = ₱40,858, or ₱3,405 a month.
What to bring
- One valid government ID, such as a driver’s licence, UMID, passport or PhilSys ID
- Proof of income: your last three payslips, or for self-employed riders and tricycle operators, a business permit or franchise papers and three months of GCash or bank records
- A proof of billing from the last three months (Meralco, Maynilad or internet)
- The 20% down payment, in cash or by bank transfer
Earning under ₱15,000 a month? Bring a co-maker with their own ID and proof of income.
From application to riding home
Apply at the counter
Bring the papers above and fill in one form with Joy at the counter. It takes about twenty minutes.
Approval in 1–2 working days
We check your papers and call you with a yes or no, usually the next working day. If it’s a no, we tell you why.
Pay down and ride
Pay the 20% down, sign the contract and ride home. Monthly payments are due on the same date each month, at the counter or by GCash.
Installment questions
Can I pay it off early?
Yes. Pay the remaining balance any time and we drop the add-on for the months you didn’t use.
What happens if I miss a payment?
There’s a 7-day grace period. After that, a late charge of ₱200 is added. Call us before the due date if you’re going to be short, and we’ll work something out.
Who holds the OR/CR?
The bike is registered in your name. The CR carries our chattel mortgage until the last payment; then we release it, usually within a week. You ride with the OR and a certified copy of the CR.
Can I trade in my old bike for the down payment?
Yes. We appraise it at the counter in about twenty minutes, and the offer goes toward your 20%. Bring its OR/CR.
Do you do installment on parts or repairs?
Not on parts or regular service. A top overhaul of ₱8,000 or more can be split into three monthly payments with no add-on.
Come see it on National Road
National Road, Bayanan, Muntinlupa City, Metro Manila. Open every day, 8:00 AM – 7:00 PM.