BYD car loan and financing, 2026

By Aditya AmanPublished Sep 28, 2026Editorial PolicyLives in the Philippines and has driven nearly every Luzon expressway with his family.

13 BYD models, from the Seagull at ₱898,000 to the Tang at ₱3,321,000. With 20% down over 5 years, the lowest monthly payment is ₱15,062 at UnionBank.

Models with a price: 13
Price range: ₱898,000 to ₱3,321,000
Lowest monthly: ₱15,062, BYD Seagull (20% down, 60 months, UnionBank)
Banks named by the brand: BPI remains the only named financing partner for the 'BYD Cars Philippines Financing Scheme'; there is no BYD captive or in-house lender. This confirms and carries forward the 2026-09-27 correction record (byd-finance-philippines.json): financing is a bank scheme subject to BPI approval, run by distributor MAPVI (ACMobility group), not a BYD entity.

BYD monthly payment by model

Starting price of each model and its monthly payment at UnionBank, the bank with the lowest monthly for 60 months.

Model	Price from	20% down	Monthly, 20% down	Monthly, 30% down
BYD Seagull	₱898,000	₱179,600	₱15,062	₱13,180
BYD Seal 5 DM-i	₱948,000	₱189,600	₱15,901	₱13,913
BYD Sealion 5 DM-i	₱1,248,000	₱249,600	₱20,933	₱18,316
BYD Dolphin	₱1,398,000	₱279,600	₱23,449	₱20,518
BYD Atto 3	₱1,498,000	₱299,600	₱25,126	₱21,986
BYD eMAX 7	₱1,498,000	₱299,600	₱25,126	₱21,986
BYD Sealion 6 DM-i	₱1,548,000	₱309,600	₱25,965	₱22,719
BYD Seal	₱1,998,000	₱399,600	₱33,513	₱29,324
BYD Shark 6 DMO	₱2,098,000	₱419,600	₱35,190	₱30,792
BYD Tang DM-i	₱2,098,000	₱419,600	₱35,190	₱30,792
BYD eMAX 9 DM-i	₱2,678,000	₱535,600	₱44,919	₱39,304
BYD HAN EV	₱3,113,000	₱622,600	₱52,215	₱45,688
BYD Tang	₱3,321,000	₱664,200	₱55,704	₱48,741

Which BYD fits your budget

Set a monthly budget, down payment and term. Switch brands to compare.

Monthly budget₱25,000

Down payment

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Pay over

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Brand

₱25,000 a month finances a car up to ₱1,490,461 with 20% down over 60 months at UnionBank. 4 models fit.

Starting prices from each model's lowest variant. Monthly payments exclude insurance and one-time charges.

How BYD financing works

BYD dealers arrange a bank auto loan at the showroom. What BYD offers beyond that, on its own site:

Banks named by the brand: BPI remains the only named financing partner for the 'BYD Cars Philippines Financing Scheme'; there is no BYD captive or in-house lender. This confirms and carries forward the 2026-09-27 correction record (byd-finance-philippines.json): financing is a bank scheme subject to BPI approval, run by distributor MAPVI (ACMobility group), not a BYD entity.
Brand financing plans: BYD offers no used or certified pre-owned financing, no leasing and no a balloon payment plan of its own; its dealers finance through banks.

Promo bank lists change often. Bank vs dealer financing, compared.

Questions

How much is the monthly payment for a BYD car?

With 20% down over 60 months at UnionBank, the BYD Seagull (from ₱898,000) costs ₱15,062 a month and the BYD Tang (from ₱3,321,000) ₱55,704. Every model's monthly payment is in the table on this page.

Does BYD have in-house financing in the Philippines?

BYD dealers arrange financing through banks. BPI remains the only named financing partner for the 'BYD Cars Philippines Financing Scheme'; there is no BYD captive or in-house lender. This confirms and carries forward the 2026-09-27 correction record (byd-finance-philippines.json): financing is a bank scheme subject to BPI approval, run by distributor MAPVI (ACMobility group), not a BYD entity.. Compare those banks' rates for your model before you sign.

Financing for other brands

Carmaker finance companies: Toyota Financial Services and Mitsubishi Motors Finance.