Promo Period

The RCBC Fully Loaded Deals (the Promo) is open to existing depositors and corporate clients who will apply for and avail of RCBC Auto Loans from July 14 to December 31, 2025 (the ”Promo Period”).

 

Applications must be submitted within the Promo Period, even if subsequently approved and availed of thereafter but in no case later than March 31, 2026 (the “Availment Period”).

 

Eligibility

Existing RCBC depositors and corporate clients

 

Auto Loans

  1. Loan purpose must be for the purchase of brand new private vehicles only .
  2. The Promo is applicable to Auto Loan Classic and Auto Loan Plus only.
  3. The Promo has a minimum loan amount of Php500,000
  4. The Applicable interest rates shall be as follows:

Term

Add-on Rate

36 mos

17.33

48 mos

23.55

60 mos

30.26

5. The required down payment for a unit must be at least 15% of the unit's net Suggested Retail Price (SRP).

Note: Discount to be applied to the unit Suggested Retail Price

 

6. Only eligible vehicles such as Full Sedans, SUV’s, and AUV’s from accredited brands are eligible for this program.

    • Toyota
    • Nissan
    • Suzuki
    • Ford
    • Mitsubishi
    • Honda
    • Hyundai
    • Isuzu
    • Mazda
    • Kia
    • Subaru
    • Lexus
    • BMW
    • Mercedes Benz

7. Qualified customers shall be entitled to a free chattel mortgage and documentary stamp fees for a loan amount of Php500k up to Php5M only. 

Note: For loan amount >Php5M, the documentary stamp fees shall be shouldered by the customer.

 

8. Free 1-year car insurance is included for loan terms ranging from 36 to 60 months. This offer is exclusively valid for those who avail of Auto Loan Plus.

 

9. Up to Php5,000 gas allowance for Hexagon Club Members*.

*The amount of gas allowance may vary depending on the Hexagon Club member’s previous month’s Total Peso CASA, and will be credited to the qualified Hexagon Club member's account within two months from the loan booking date.

 

General Provisions

  1. All loan applications qualified under the Promo shall be processed under the standard evaluation and approval process of RCBC, subject to relevant terms and conditions as well as RCBC’s policies and procedures.
  2. RCBC, its subsidiaries, affiliates, the advertising agencies and print suppliers, including their respective Board of Directors and Advisory Board Members, officers, and employees, and their relatives up to second (2nd) degree of consanguinity and affinity are not qualified for this Promo.
  3. This Promo is not valid in conjunction with other promotions carried out by RCBC.
  4. Qualified clients authorize RCBC to disclose and publish their names, photos and other particulars as determined by RCBC to any person/s and in any mode or manner, as RCBC may deem appropriate in relation to this Promo. RCBC shall not be liable for violation of customer data privacy and/or bank secrecy law as a result of said disclosure or publication.

 

Terms and conditions apply.

 

Frequently Asked Questions (FAQs)

1. What is Fully Loaded Deals?

Fully Loaded Deals is a low cash-out car financing package of RCBC that covers not just the vehicle cost, but also other mandatory upfront expenses like:

a. Chattel mortgage fees (Waived)

b. Free 1 Year Comprehensive Insurance (via Auto Loan Plus)

c. Documentary stamp tax (Free)

d. Processing fees (Free)

2. What are the benefits of Fully Loaded Deals?

Lower cash out: Ideal for buyers with limited upfront funds

Convenient: Bundled fees in one loan

Fast processing: Typically easier to approve if you're a payroll client or company tie-up

3. Who is eligible for Fully Loaded Deals?

Corporate clients or RCBC

RCBC Depositors

4. What are the usual loan terms available?

Down payment: As low as 15%

Loan terms: 36 to 60 months (3 to 5 years)

5. What documents are required?

For employees:

Valid government ID

Certificate of employment with compensation (COEC)

Latest payslips (1-3 months)

Proof of billing

For self-employed:

DTI/SEC registration

ITR with audited FS

Bank statements (3–6 months)

6. Can I choose my own car dealer or brand?

Yes, RCBC allows you to choose from its accredited dealer and variants.

7. How long is the processing time?

1 to 2 days upon submission of complete documents.

8. What happens if I miss a payment?

Late payment fees apply may affect your credit standing

Repeated missed payments can lead to repossession

9. Is insurance included every year?

Only the first year of insurance is included in Fully Loaded Deals under Auto Loan Plus. Renewal for the succeeding years will be automatically renewed via auto-debit arrangement.

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