BPI car loan calculator 2026
Uses BPI's published add-on rates for each term. Pick the loan amount and term to see the monthly payment.
Brand new car
Interest rate31.01% add-on, for the whole 60 months
Monthly payment
₱21,835
- Loan
- ₱1,000,000
- Total interest
- ₱310,100
- Total you repay
- ₱1,310,100
BPI's standard brand new rate. Rate page. Fees and insurance are extra.
Second-hand car
Interest rate44.32% add-on, for the whole 60 months
Monthly payment
₱24,053
- Loan
- ₱1,000,000
- Total interest
- ₱443,200
- Total you repay
- ₱1,443,200
BPI's standard second-hand rate. Rate page. Fees and insurance are extra.
BPI rates used
| Car | 12 months | 18 months | 24 months | 36 months | 48 months | 60 months |
|---|---|---|---|---|---|---|
| Brand new | 5.43% | 7.73% | 11.30% | 17.76% | 24.13% | 31.01% |
| Second hand | 7.89% | 11.87% | 16.08% | 24.80% | 34.20% | 44.32% |
Add-on rates from BPI's rate page, read 27 September 2026. Monthly = loan × (1 + rate) ÷ months. Insurance, chattel mortgage and fees are extra.
Requirements, fees and how to apply: BPI car loan. Compare BPI with 7 other banks in the car loan calculator.