Cars you can finance at ₱40,000 a month, 2026
By Aditya AmanPublished Sep 28, 2026Editorial PolicyLives in the Philippines and has driven nearly every Luzon expressway with his family.₱40,000 a month finances a car priced up to ₱2,384,738, with 20% down over 5 years at UnionBank. 233 models fit.
- Most car for the budget
- ₱2,384,738 (20% down, 60 months)
- Loan
- ₱1,907,790
- Down payment
- ₱476,948
- Cheapest bank
- UnionBank, 25.80% for 60 months
- Models that fit
- 233
Cars that fit ₱40,000 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.
₱40,000 a month finances a car up to ₱2,384,738 with 20% down over 60 months at UnionBank. 233 models fit.
Toyota CamryFrom ₱2,380,000₱39,921/mo at UnionBankCompare every bank for this car
Tesla Model YFrom ₱2,369,000₱39,736/mo at UnionBankCompare every bank for this car
Hongqi EH7From ₱2,280,000₱38,243/mo at UnionBankCompare every bank for this car
Peugeot 5008From ₱2,275,000₱38,159/mo at UnionBankCompare every bank for this car
Aion Hyptec HTFrom ₱2,260,000₱37,908/mo at UnionBankCompare every bank for this car
Mazda MX-5From ₱2,230,000₱37,405/mo at UnionBankCompare every bank for this car
Kia SorentoFrom ₱2,188,000₱36,700/mo at UnionBankCompare every bank for this car
Baic B40 RagnarFrom ₱2,168,000₱36,365/mo at UnionBankCompare every bank for this car
Mazda 6 WagonFrom ₱2,150,000₱36,063/mo at UnionBankCompare every bank for this car
Honda CR-VFrom ₱2,100,000₱35,224/mo at UnionBankCompare every bank for this car
BYD Shark 6 DMOFrom ₱2,098,000₱35,190/mo at UnionBankCompare every bank for this car
BYD Tang DM-iFrom ₱2,098,000₱35,190/mo at UnionBankCompare every bank for this car
Peugeot 3008From ₱2,090,000₱35,056/mo at UnionBankCompare every bank for this car
Lynk & Co 01From ₱2,088,000₱35,023/mo at UnionBankCompare every bank for this car
Toyota RAV4From ₱2,052,000₱34,419/mo at UnionBankCompare every bank for this car
Great Wall GWM Haval Menglong PHEVFrom ₱2,050,000₱34,385/mo at UnionBankCompare every bank for this car
Great Wall GWM Haval H9From ₱1,998,888₱33,528/mo at UnionBankCompare every bank for this car
BYD SealFrom ₱1,998,000₱33,513/mo at UnionBankCompare every bank for this car
Foton Tunland V9From ₱1,998,000₱33,513/mo at UnionBankCompare every bank for this car
Nissan LeafFrom ₱1,998,000₱33,513/mo at UnionBankCompare every bank for this car
Subaru CrosstrekFrom ₱1,998,000₱33,513/mo at UnionBankCompare every bank for this car
Mazda CX-30From ₱1,995,000₱33,463/mo at UnionBankCompare every bank for this car
Hongqi HS3From ₱1,980,000₱33,211/mo at UnionBankCompare every bank for this car
Mazda CX-5From ₱1,950,000₱32,708/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 ₱40,000 furthest
20% down, 60 months, brand new.
UnionBank₱2,384,738
Maybank₱2,356,638
BDO₱2,326,241
RCBC₱2,314,815
EastWest₱2,303,440
Metrobank₱2,303,086
BPI₱2,289,902
Security Bank₱2,263,809
Most expensive car the budget finances at each bank. Standard rates.
Questions
What car can I afford with ₱40,000 a month?
With 20% down over 60 months, ₱40,000 a month finances a car priced up to ₱2,384,738 at UnionBank, the bank with the lowest monthly payment for that term. 233 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 ₱40,000 a month?
Over 60 months with 20% down: UnionBank, up to ₱2,384,738; Maybank, up to ₱2,356,638; BDO, up to ₱2,326,241.
Other budgets
- ₱10,000 a month
- ₱15,000 a month
- ₱20,000 a month
- ₱25,000 a month
- ₱30,000 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.