Car loan for cars under ₱3 million, 2026
By Aditya AmanPublished Sep 28, 2026Editorial PolicyLives in the Philippines and has driven nearly every Luzon expressway with his family.A ₱3 million car costs ₱50,320 a month with 20% down over 5 years at UnionBank. 271 models are priced up to ₱3 million.
- Monthly payment
- ₱50,320 (20% down, 60 months)
- Down payment
- ₱600,000
- Total interest
- ₱619,200
- Cheapest bank
- UnionBank, 25.80% for 60 months
- Models under this price
- 271
Cars under ₱3 million, with monthly payments
Move the slider, change the down payment or term, or pick a brand. Each car shows its monthly payment at the cheapest bank.
A ₱3,000,000 car costs ₱50,320 a month with 20% down over 60 months at UnionBank. 271 models are priced up to ₱3,000,000.
GAC M8From ₱2,998,000₱50,286/mo at UnionBankCompare every bank for this car
Volvo EX30From ₱2,990,000₱50,152/mo at UnionBankCompare every bank for this car
Lexus UXFrom ₱2,938,000₱49,280/mo at UnionBankCompare every bank for this car
Baic B60 BeaumontFrom ₱2,898,000₱48,609/mo at UnionBankCompare every bank for this car
Kia CarnivalFrom ₱2,888,000₱48,441/mo at UnionBankCompare every bank for this car
Subaru WRX WagonFrom ₱2,880,000₱48,307/mo at UnionBankCompare every bank for this car
Lexus ISFrom ₱2,868,000₱48,106/mo at UnionBankCompare every bank for this car
Hyundai Ioniq 5From ₱2,840,000₱47,636/mo at UnionBankCompare every bank for this car
Mazda CX-60From ₱2,790,000₱46,798/mo at UnionBankCompare every bank for this car
Mazda CX-9From ₱2,790,000₱46,798/mo at UnionBankCompare every bank for this car
Subaru WRXFrom ₱2,788,000₱46,764/mo at UnionBankCompare every bank for this car
Aito M5 2600From ₱2,757,000₱46,244/mo at UnionBankCompare every bank for this car
Zeekr 7XFrom ₱2,750,000₱46,127/mo at UnionBankCompare every bank for this car
Changan UNI-KFrom ₱2,719,000₱45,607/mo at UnionBankCompare every bank for this car
Toyota GR86From ₱2,716,000₱45,556/mo at UnionBankCompare every bank for this car
Toyota bZ4XFrom ₱2,699,000₱45,271/mo at UnionBankCompare every bank for this car
Lynk & Co 05From ₱2,698,000₱45,254/mo at UnionBankCompare every bank for this car
BYD eMAX 9 DM-iFrom ₱2,678,000₱44,919/mo at UnionBankCompare every bank for this car
Hyundai Elantra NFrom ₱2,638,000₱44,248/mo at UnionBankCompare every bank for this car
Subaru BRZFrom ₱2,609,000₱43,762/mo at UnionBankCompare every bank for this car
Zeekr XFrom ₱2,600,000₱43,611/mo at UnionBankCompare every bank for this car
MG Marvel RFrom ₱2,588,888₱43,424/mo at UnionBankCompare every bank for this car
Hongqi EHS7From ₱2,580,000₱43,275/mo at UnionBankCompare every bank for this car
Subaru OutbackFrom ₱2,580,000₱43,275/mo at UnionBankCompare every bank for this car
Starting prices from each model's lowest variant. Monthly payments exclude insurance and one-time charges.
Monthly payment on a ₱3 million car at every bank
20% down, 60 months, brand new.
UnionBank₱50,320
Maybank₱50,920
BDO₱51,585
RCBC₱51,840
EastWest₱52,096
Metrobank₱52,104
BPI₱52,404
Security Bank₱53,008
Monthly payment at each bank. Standard rates.
Questions
How much is the monthly payment on a ₱3 million car?
₱50,320 a month with 20% down over 60 months at UnionBank, the lowest for that term. With 30% down it is ₱44,030; over 36 months with 20% down, ₱76,807.
How many cars are under ₱3 million in the Philippines?
271 models in our catalogue start at or below ₱3 million, from Dongfeng Nano Box at ₱295,000 to GAC M8 at ₱2,998,000.
Other budgets
- ₱10,000 a month
- ₱15,000 a month
- ₱20,000 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
Found a car? Compare every bank's monthly payment for it, or answer 5 questions for the three loans that fit you.