Promo Duration: January 20, 2026 - December 31, 2026

 

Promo Offers

• Down payment as low as 0%
• Flexible loan terms of up to 7 years

 

Promo Mechanics

1. The promo is open to new-to-bank and existing depositors applying for an RCBC Auto Loan - Fully Loaded Plus.
2. The promo is valid from January 20, 2026 to December 31, 2026 (“Promo Period”).
3. Applications received within the Promo Period, and approved and booked on or before March 31, 2027 shall be eligible for the Promo.
4. The Loan must be used for the purchase of brand new private and personal vehicles only. Motorcycles, Sports cars, Luxury vehicles and Trucks are excluded
5. Qualified customers may avail of one (1) of the following offers, per loan account/borrower: 

A. Low down payment

• • • • • 0%
        • 15%

B. Extended loan term

• • • • • 6 years
        • 7 years

6. Free 1-year car insurance when availing of Auto Loan Plus. (Note: Fully Loaded Plus accounts have the option to avail Plug-in EV but will not enjoy free 1-year car insurance.)

7. Free bank charges (PPSR registration cost and handling fee) for loan amount up to Php7.5M. Documentary stamp tax shall be shouldered by the client.
8. Eligible loan amount start at Php500k, with a maximum loanable amount of Php7.5M

 

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, advertising agencies, print suppliers, including their respective Board of Directors and Advisory Board Members, officers, employees, and their relatives up to second degree of consanguinity or affinity are not qualified for this promo.
3. This Promo is not valid in conjunction with other promotions carried out by RCBC.
4. By joining the promo, 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.
5. In case of dispute, RCBC’s decision, made in concurrence with DTI, regarding this promo will be deemed final and non-negotiable.
6. Standard terms and conditions apply.

Customer Support

For inquiries and comments, please contact RCBC Loans Customer Care: 

loan_customercare@rcbc.com

(02) 8877-7222

 

Per DTI Fair Trade Permit No. FTEB -140 Series of 2026