About Us
During the pandemic, when most lending companies closed shop and tightened credit, we decided to be part of the solution, not of the problem. Trans-Phil Credit remained open to people who needed money and continued to lend. We created the TCC Lounge in our garage for our Borrowers: a space that is welcoming, safe and most importantly, operational.
Management Team
Meet our management committee, exceptional minds and hearts behind Trans-Phil
Kristine Lou D. Guades
Chief Operating Officer
Atty. John Ednold Laurencio
Legal Counsel
Roland H. Garcia
Chairman of the Board & President
Ernesto P. Tempongko, III
Vice Chairman & Treasurer
We Create Solutions
We are one of the country’s leading lending institutions that caters to the needs of Filipinos. Our group is one of the first institutions to extend credit to seafarers and OFW’s, and to borrowers who only had 2nd hand vehicles offered as collaterals. Today, Trans-Phil Credit is one of the most trusted providers of credit in the Philippines.
Our 50 years50 years of experience in real estate development has taught us how to identify and assess the credit worthiness of our clients, so we can provide them with the best financing options available. We are committed to helping our clients grow their businesses and achieve their financial goals by making difficult things easier.
During difficult times, Trans-Phil Credit remained dedicated to its mission of helping people achieve their financial goals. Amidst the pandemic, Trans-Phil Credit opened its doors to those who needed money, digitalized its loan application and evaluation processes, and offered flexible payment schemes.
Recognizing the changing needs of its clients, Trans-Phil Credit also developed new loan products appropriate to the times: it made simpler the intricacies involved in the transfer of title process and offered a collateralized loan product that released funds in only 24-hours.
Since it started operations, TRANS-PHIL CREDIT CORPORATION has adhered to prudent lending policies and controls. This has helped the company maintain its strong reputation and continue to create lending solutions that benefit its borrowers, loan brokers, and other stakeholders.
TCC’s management team is composed of senior executives with over 100 years of combined experience in lending/banking/financing – a testament to the company’s commitment to putting its stakeholders first.
Mission
TRANS-PHIL CREDIT CORPORATION is committed to providing competitive and innovative lending solutions to our customers.
We at Trans-Phil Credit are dedicated to improving the financial lives of our customers and their families. Our mission is to provide customer-focused lending services that promote economic inclusion, build wealth, and empower people to reach their goals. We believe that access to high-quality, affordable lending services should not be a privilege reserved for the wealthy, but should be available to everyone, regardless of income or background.
Our team at Trans-Phil are competent magicians – transforming lives through the power of financial literacy and access to our innovative products. We believe that when people are empowered with financial knowledge, they can make better decisions about their money and move closer to achieving their goals. We use our magical powers for good – making dreams come true and helping our customers turn their financial aspirations into reality.
Vision
The company envisions a future in which everyone can access the best lending services available to them with ease.
With our innovative and creative solutions, we strive to empower entrepreneurs and individuals alike, helping them bring their dreams into reality.
At TRANS-PHIL CREDIT CORPORATION, we believe that every individual should have access to the financial help required for success.
Our ultimate goal is to provide clients with a reliable, secure, and convenient way of obtaining lending services.
Corporate Values
TRUSTWORTHY
We are committed to ethical business practices that promote fairness, privacy, security, and trustworthiness in all of our operations. We are dedicated to promoting responsible lending practices by protecting customers from predatory lenders. Our goal is for our customers to be informed about the products and services offered and to have access to fair and transparent terms.
DEPENDABLE
At Trans-Phil Credit, we’re here to make sure that no one gets left behind in the financial journey. We understand how difficult it can be when you’ve been rejected by banks and traditional lenders before; however our goal always remains on helping those who need us most – even if they’re unhelpable at first glance.
Our team at Trans Phil Credit works hard everyday making sure people don’t fall through cracks because of their lack or finances.
COMPASSIONATE
At Trans-Phil Credit, we believe in creating an inclusive environment where everyone feels safe and respected. We strive to be understanding and supportive of our clients, employees, and partners. We understand how difficult it is when no one will listen – we are here to listen to those who need us most and help them in any way we can.
In fact, we were one of the first to lend to OFWs in 1973 when no one wanted to lend to them. We were the pioneers to accept 2nd hand cars as collateral.
INNOVATIVE
Innovation is at the heart of everything we do. It’s how our company has been able to help people in need and it’s what will keep driving us forward into future endeavors, no matter where they take place! .We work with applicants that other lenders have reservations about, including collateral not registered in their name and collateral whose owners passed away.
TRANSFORMATIVE
We believe in the transformative power of financial inclusion and aim to create solutions that empower our customers to achieve their financial goals. Our innovative magic is designed to challenge the status quo and create better lending experiences.
We help the unhelpable, create solutions for what’s impossible. If you’ve been rejected by banks and traditional lenders, we are here to make sure you get access to the credit and lending services you need. We create solutions to make the non-workable accounts become workable. We will do our best to understand your unique situation and work hard to bring innovative solutions that help create a brighter future for everyone.
SUCCESS-ORIENTED
At TRANS-PHIL CREDIT CORPORATION, we believe that our success is tied to the success of our customers. We strive to create an environment where everyone can succeed and contribute to our vision for a better future. Our commitment is to always put our customers first.
We are committed to making a positive impact in the communities we serve by contributing towards economic growth and promoting financial literacy.
TRUSTWORTHY
We are committed to ethical business practices that promote fairness, privacy, security, and trustworthiness in all of our operations. We are dedicated to promoting responsible lending practices by protecting customers from predatory lenders. Our goal is for our customers to be informed about the products and services offered and to have access to fair and transparent terms.
DEPENDABLE
At Trans-Phil Credit, we’re here to make sure that no one gets left behind in the financial journey. We understand how difficult it can be when you’ve been rejected by banks and traditional lenders before; however our goal always remains on helping those who need us most – even if they’re unhelpable at first glance.
Our team at Trans Phil Credit works hard everyday making sure people don’t fall through cracks because of their lack or finances.
COMPASSIONATE
At Trans-Phil Credit, we believe in creating an inclusive environment where everyone feels safe and respected. We strive to be understanding and supportive of our clients, employees, and partners. We understand how difficult it is when no one will listen – we are here to listen to those who need us most and help them in any way we can.
In fact, we were one of the first to lend to OFWs in 1973 when no one wanted to lend to them. We were the pioneers to accept 2nd hand cars as collateral.
INNOVATIVE
Innovation is at the heart of everything we do. It’s how our company has been able to help people in need and it’s what will keep driving us forward into future endeavors, no matter where they take place! .We work with applicants that other lenders have reservations about, including collateral not registered in their name and collateral whose owners passed away.
TRANSFORMATIVE
We believe in the transformative power of financial inclusion and aim to create solutions that empower our customers to achieve their financial goals. Our innovative magic is designed to challenge the status quo and create better lending experiences.
We help the unhelpable, create solutions for what’s impossible. If you’ve been rejected by banks and traditional lenders, we are here to make sure you get access to the credit and lending services you need. We create solutions to make the non-workable accounts become workable. We will do our best to understand your unique situation and work hard to bring innovative solutions that help create a brighter future for everyone.
SUCCESS-ORIENTED
At TRANS-PHIL CREDIT CORPORATION, we believe that our success is tied to the success of our customers. We strive to create an environment where everyone can succeed and contribute to our vision for a better future. Our commitment is to always put our customers first.
We are committed to making a positive impact in the communities we serve by contributing towards economic growth and promoting financial literacy.
