Cars you can finance at ₱20,000 a month, 2026
By Aditya AmanPublished Sep 28, 2026Editorial PolicyLives in the Philippines and has driven nearly every Luzon expressway with his family.₱20,000 a month finances a car priced up to ₱1,192,369, with 20% down over 5 years at UnionBank. 99 models fit.
- Most car for the budget
- ₱1,192,369 (20% down, 60 months)
- Loan
- ₱953,895
- Down payment
- ₱238,474
- Cheapest bank
- UnionBank, 25.80% for 60 months
- Models that fit
- 99
Cars that fit ₱20,000 a month
Move the slider, change the down payment or term, or pick a brand. Each car shows its monthly payment at the cheapest bank.
₱20,000 a month finances a car up to ₱1,192,369 with 20% down over 60 months at UnionBank. 99 models fit.
Maxus V80From ₱1,190,000₱19,960/mo at UnionBankCompare every bank for this car
Honda City HatchbackFrom ₱1,189,000₱19,943/mo at UnionBankCompare every bank for this car
Chery Tiggo Grand TourFrom ₱1,188,000₱19,927/mo at UnionBankCompare every bank for this car
Changan CS55 PlusFrom ₱1,179,000₱19,776/mo at UnionBankCompare every bank for this car
Nissan Kicks e-POWERFrom ₱1,179,000₱19,776/mo at UnionBankCompare every bank for this car
Suzuki Ertiga HybridFrom ₱1,178,000₱19,759/mo at UnionBankCompare every bank for this car
Honda BR-VFrom ₱1,165,000₱19,541/mo at UnionBankCompare every bank for this car
Chevrolet GrooveFrom ₱1,156,000₱19,390/mo at UnionBankCompare every bank for this car
Hyundai CretaFrom ₱1,134,000₱19,021/mo at UnionBankCompare every bank for this car
Hyundai StargazerFrom ₱1,118,000₱18,753/mo at UnionBankCompare every bank for this car
Changan CS35 PlusFrom ₱1,109,000₱18,602/mo at UnionBankCompare every bank for this car
Toyota VelozFrom ₱1,104,000₱18,518/mo at UnionBankCompare every bank for this car
Mitsubishi XpanderFrom ₱1,099,000₱18,434/mo at UnionBankCompare every bank for this car
Jetour X70From ₱1,099,000₱18,434/mo at UnionBankCompare every bank for this car
Lynk & Co 06From ₱1,099,000₱18,434/mo at UnionBankCompare every bank for this car
Kia SeltosFrom ₱1,098,000₱18,417/mo at UnionBankCompare every bank for this car
Nissan LivinaFrom ₱1,094,000₱18,350/mo at UnionBankCompare every bank for this car
Wuling Sunlight CargoFrom ₱1,083,000₱18,166/mo at UnionBankCompare every bank for this car
Wuling Sunlight PassengerFrom ₱1,083,000₱18,166/mo at UnionBankCompare every bank for this car
Wuling YepFrom ₱1,083,000₱18,166/mo at UnionBankCompare every bank for this car
Foton ThunderFrom ₱1,080,000₱18,115/mo at UnionBankCompare every bank for this car
Isuzu TravizFrom ₱1,070,000₱17,947/mo at UnionBankCompare every bank for this car
Hyundai ElantraFrom ₱1,065,000₱17,864/mo at UnionBankCompare every bank for this car
JAC T8 ProFrom ₱1,063,000₱17,830/mo at UnionBankCompare every bank for this car
Starting prices from each model's lowest variant. Monthly payments exclude insurance and one-time charges.
Which bank stretches ₱20,000 furthest
20% down, 60 months, brand new.
UnionBank₱1,192,369
Maybank₱1,178,319
BDO₱1,163,121
RCBC₱1,157,407
EastWest₱1,151,720
Metrobank₱1,151,543
BPI₱1,144,951
Security Bank₱1,131,905
Most expensive car the budget finances at each bank. Standard rates.
Questions
What car can I afford with ₱20,000 a month?
With 20% down over 60 months, ₱20,000 a month finances a car priced up to ₱1,192,369 at UnionBank, the bank with the lowest monthly payment for that term. 99 models in our catalogue start at or below that price. A bigger down payment or a longer term raises the price you can afford; the ladder above shows by how much.
Which bank gives the most car for ₱20,000 a month?
Over 60 months with 20% down: UnionBank, up to ₱1,192,369; Maybank, up to ₱1,178,319; BDO, up to ₱1,163,121.
Other budgets
- ₱10,000 a month
- ₱15,000 a month
- ₱25,000 a month
- ₱30,000 a month
- ₱40,000 a month
- ₱50,000 a month
- Under ₱500,000
- Under ₱1 million
- Under ₱1.5 million
- Under ₱2 million
- Under ₱3 million
Found a car? Compare every bank's monthly payment for it, or answer 5 questions for the three loans that fit you.