Buy Your Dream Car With an RCBC Auto Loan

For many Filipinos, owning a car symbolizes freedom and convenience. An auto loan helps you achieve this goal without stretching your budget too thin.

Key Takeaways

• Car ownership is a major life milestone for Filipinos, representing freedom, independence, and control over one's time and lifestyle.

• RCBC’s one-day approval helps you get your dream car faster and get on the road sooner.

• Flexible and affordable payments fit your budget and lifestyle.

Car ownership is a major life goal for many Filipinos. Whether it’s your first car, a much-needed upgrade, or a spacious ride for your growing family, owning a vehicle represents more than convenience—it means freedom, independence, and mobility.

A car gives you control over your time, your pace, and your lifestyle. You can explore new places, say yes to more opportunities, and show up when and where it matters most. That’s why for a lot of people, getting their dream car isn’t just a want—it’s a necessity.

But let’s be honest. For many Filipinos, paying for a car in full may not be feasible. The good news? With an RCBC auto loan, you don’t have to wait. You can buy your dream car, whether that’s a brand-new or pre-owned vehicle, and structure your payment in a way that fits your finances.

Why Many Filipinos Choose RCBC for Auto Loans

RCBC Auto Loan is a financing solution that helps you purchase a brand-new or pre-owned car through manageable monthly installments. Here’s why thousands of Filipinos trust RCBC when it comes to car financing:

1. One-Day Fast Approval

Long approval wait times for auto loans can feel frustrating and discouraging. RCBC offers one-day loan approval for qualified applicants. No long waiting times. No unnecessary back and forth. We fast-track your application so you can get behind the wheel sooner.

2. Affordable Monthly Amortization

Thinking about how to afford your dream car with your limited budget? Our auto loan packages are designed to fit different budgets and lifestyles. You don’t need to compromise on the vehicle you want, as we offer flexible repayment options that help you stay on top of your finances while enjoying the benefits of owning a car.

Monthly amortizations can start as low as PHP 12,000 for a 60-month loan term, making your dream car loan more accessible.

3. Flexible Financing Solutions

Everyone’s situation is different, that’s why RCBC offers flexible loan terms ranging from 12 to 96 months. Whether you want shorter terms to pay off the loan faster or longer terms to make monthly payments lighter, you’re in control.

You can choose to finance:

• Brand-New Cars

• Pre-Owned Vehicles

• Light Trucks and Vans for Business

• Motorcycles

4. Easy Requirements

We believe getting your dream car shouldn't be complicated. Here are the simple documents needed to start your application:

Employed

• Accomplished RCBC Auto Loan Application Form

• Certificate of Employment (COE) or latest ITR

• Two (2) valid government-issued IDs

• TIN

• Utility Bill

Self-Employed

• Accomplished RCBC Auto Loan Application Form

• Business registration with DTI

• Audited financial statements

• ITR or bank statements

5. Hassle-Free Application Process

You don’t need to line up or fill out endless forms at a branch. With RCBC’s online loan application, you can start your journey anytime, anywhere. Just fill out this form, and we’ll take it from there. If you prefer speaking to someone? Our staff can assist you in-branch, by phone, or online.

No bank account with us? No problem. You can apply for an auto loan even if you’re new to RCBC. Once approved, we’ll walk you through the next steps, including setting up your account for loan disbursement and payment monitoring.

6. Customer-First Approach

We know that car ownership is no longer a luxury; it has become a necessity. It could be your first big asset, your ride to work, or a shared space where family memories are made. That’s why we treat every application with care.

We’re here to work with you to find the best, financially sound solution that fits your goals.

7. Recognized and Trusted in the Industry

RCBC’s commitment to excellent service hasn’t gone unnoticed. We were recognized as the Best in Customer Service at the Global Business Review Awards 2025 and as the Best Bank for Digital at the Euromoney Awards 2025.

These awards reflect our efforts to serve Filipino clients better—not just in lending, but in everyday banking. When you choose RCBC, you’re choosing a bank that has your success in mind.

Drive Home Your Dream Car With RCBC

There’s nothing like the feeling of getting behind the wheel of your own car. And with RCBC, that feeling could happen sooner than you think.

We understand that a car is more than just a means of transportation. It’s about owning your time, enhancing your mobility, and living life at your pace.

With an RCBC Auto Loan, you get fast one-day approval, affordable monthly payments, flexible financing, a simple application process, and trusted support from one of the country’s best banks.

Apply for an RCBC auto loan and bring home your dream car today

FAQs

1. What types of vehicles can I finance with an RCBC Auto Loan?

You can finance a wide range of vehicles, including brand-new and used vehicles.

2. Who is eligible to apply for a car loan?

Applicants must be:

• A Filipino citizen or dual citizen

• At least 21 years old upon loan application

• Not more than 70 years old upon loan maturity

• Have a mobile number and a residence or office landline