About RCBC
RCBC lists auto finance in its loan range. Request a quotation for the exact vehicle and down payment.
Loans and services
This page covers Auto Loan. You can also compare these RCBC offers.
How to repay
For RCBC Auto Loan, use the payment instructions issued with your agreement. Confirm the receiving biller or account, loan reference and posting time with RCBC before sending money. After paying, reconcile the receipt against this loan’s balance.
If you cannot repay on time
For your RCBC Auto Loan, ask the vehicle-finance team to explain the arrears and any arrangement it can consider. Keep insurance and vehicle records available. Before agreeing to a sale or surrender, request a calculation of the debt that would remain after proceeds and costs are applied.
Loan details
- Loan product
- Auto Loan
- Loan type
- Car & auto loans
- Provider / channel
- Bank
- Published amount
- Confirm your limit
- Repayment period
- Regular 12–60, Plus 36–60, Flexilite 36–96 months
- Rate disclosure
- Individual quote: Rate and fees depend on your offer
- Access condition
- Open application
- Published income threshold
- Not verified, confirm with the provider
- Pricing coverage
- Quote required
Requirements & eligibility
Eligibility
- Age 21+ at application and no older than 70 at maturity. Filipino/dual citizenship, or qualifying special visa.
- Employees: one year employment, OFWs: two consecutive years abroad. Business owners: two profitable years.
Documents to prepare
- Employees: application, COE or ITR, two government IDs, TIN and utility bill. Business applicants: registration, audited statements and ITR or bank statements.
Amount conditions: Regular and Plus variants show 20% down payment. Flexilite displays 0% subject to its own conditions.
Source discrepancy: Eligibility text says ₱500,000 minimum for new vehicles and ₱200,000 for used/acquired units, a calculator panel shows ₱300,000. Confirm your vehicle and programme before relying on a minimum.
Requirements checked 2026-09-30. These are published criteria, not an approval decision. Additional documents may be requested.
Full fees and repayment schedule are not yet recorded. Request a written quote from RCBC.