Promo Mechanics

The RCBC Opulent Offers promotion (the Promo) is open to select customers only who will apply for and avail of RCBC Auto Loans from November 6, 2023 to June 30, 2024 (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 August 31, 2024 (the “Availment Period”).



To qualify for the Promo, loan applications should be submitted within the Promo Period and should have been approved and availed of within the Availment Period,  and must meet the following conditions:

  1. Select customers who have received the promo via email or call from an RCBC representative.
  2. Must be new or existing RCBC depositor within the Promo Period.
  3. Loan purpose must be purchase of brand new private and personal vehicles only.
  4. Minimum loan amount must be Php500,000 up to a maximum of Php5,000,000.
  5. Loan term is from 36 to 60 months.

Opulent Offer

  • Special add-on rates as low as 14.61%

36 mos






  • FREE Chattel Mortgage 

Note: Client/s to shoulder the documentary stamp fees


  • FREE 1-year worth of insurance


General Provisions

1. All customers shall be entitled to a free 1 year worth of motor vehicle insurance for the loan term (Auto Loan Plus). All subsequent insurance renewals for the remaining loan term shall be for the account of the Customer and must be secured and “locked-in” with Malayan Insurance Company Inc. (MICO).

2. 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.

3. New RCBC deposit account holders are eligible to qualify as long as they have an active deposit account within the promo period.

4. Customers who applied directly with the dealers with any all-in scheme shall be automatically disqualified from joining this Promo.

5. In case of pre-termination of the loan, the client shall settle in full the waived motor vehicle insurance and chattel mortgage fee from this promo.

6. Non-starter and poor starter accounts i.e. Customers who fail to pay the first monthly amortization and/or are past due for at least 3 consecutive months in the first 12 months or as of reference date, shall be required to settle the offer applied and corresponding collection fees.

7. This Promo is non-transferrable, non-convertible to cash and cannot be assigned to any third person or entity.

8. This Promo is not valid in conjunction with other promotions carried out by RCBC.

9. Qualified customers 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 that is not in any way in violation of customer data privacy and bank secrecy law.


Terms and conditions apply.


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