Fully Loaded Deals 2023

Promo Period

  1. The Fully-Loaded Deals 2023 - Auto Loan Promotion (the “Promo”) is open to new and existing RCBC depositors who will apply for and avail of the RCBC Auto Loan Fully-Loaded Deals from Mar 1, 2023 to December 31, 2023 (the ”Promo Period”).
  2. Applications must be submitted within the Promo Period, even if subsequently approved and availed of thereafter but in no case later than January 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. must be new or existing RCBC depositor within the Promo Period
  2. loan purpose must be purchase of brand new private and personal vehicles only
  3. minimum loan amount must be Php 500,000
  4. loan term is from 36 to 60 months


Promo Features

  1. The required down payment for a unit shall be as low as fifteen percent (15%) of the unit suggested retail price (SRP), as quoted by the dealer.
  2. Applicable special add-on interest rates shall be as follows:



One Month Advance

36 mos



48 mos



60 mos



  1. Clients shall be entitled to free motor vehicle insurance for the first year of the loan term.  All subsequent insurance renewals for the remaining loan term shall be for the account of the client and must be secured and “locked-in” with Malayan Insurance Company Inc (MICO).
  2. Chattel mortgage is free of charge.
  3. Dealer-provided discount on units, if any, shall be applied to either:
    • Down payment 
    • Unit suggested retail price (SRP)

              Provided net down payment should still be at least 10% of SRP.

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. All loan applications shall be encoded in the Referral Tracking System (RTS) by the RCBC Business Center (BC) before the same shall be processed by the loan Account Officer (AO).
  3. New RCBC deposit account holders are eligible to qualify as long as they have an active deposit account within the promo period.
  4. Clients 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. 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
  7. These terms and conditions are subject to any relevant law, government direction, and regulation.  In case of dispute, RCBC’s decision with DTI’s concurrence will be deemed final and binding on all clients. 
  8. The features of this Promo are non-transferrable, non-convertible to cash and cannot be assigned to any third person or entity.  
  9. This Promo is not valid in conjunction with other promotions carried out by RCBC.
  10. 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 that is not in any way in violation of customer data privacy and bank secrecy law.


Per DTI Fair Trade Permit No. FTEB-162048 Series of 2023.



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