China Bank Car Loan 2026

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

China Banking Corporation finances brand-new and pre-owned cars, SUVs, vans and trucks through Chinabank AutoPlus, for employed, OFW, self-employed and corporate borrowers.

Loan term: 12 to 60 months
Loan amount: Up to 80% of the vehicle's selling price
Vehicles: Passenger cars, SUVs, AUVs, light commercial vehicles, 4 or 6-wheeler trucks and passenger vans, brand new or pre-owned

Chinabank AutoPlus: features

Loan amount, pre-owned: Up to 70% of the appraised value
Loan term, pre-owned: 12 to 48 months; vehicle age plus loan term must not exceed 7 years at maturity
Reimbursement: Reimbursement of a purchase is allowed if the vehicle is no more than 1 month old from dealer delivery
Multi-Purpose loan: Vehicles of the same body types can be used as collateral for a Multi-Purpose loan, under the 7-year rule
Payment timing: In arrears (first payment 30 days after booking) or in advance (one month paid on release)
Minimum monthly income: Chinabank states a minimum salary or household income requirement of ₱30,000 to ₱50,000 for AutoPlus.

How to apply for a China Bank car loan

Visit the nearest Chinabank branch or Consumer Loans Center
Or fill out the online AutoPlus Application Form
Open China Bank's form
Consumer Loans Centers are in Batangas, Cabanatuan, Dagupan, Pampanga, Bacolod, Cebu, Iloilo, Davao and Cagayan de Oro

China Bank car loan fees and terms

What China Bank charges beyond interest, and the rules after you sign. Your disclosure statement lists the full amount.

Insurance: Comprehensive car insurance is required and renewed every year until the end of the loan term
Insurance premium: Based on the vehicle's fair market value; varies by insurer or China Bank Insurance Brokers quote
Chattel mortgage fees: Include documentary stamp tax, processing fee and notarial fee
Chattel mortgage registration: Varies with the fees of the Registry of Deeds concerned
Documentary stamp tax, promissory note: ₱1.50 for every ₱200 or fraction of the loan amount
Documentary stamp tax, chattel mortgage: ₱40 for the first ₱5,000 and ₱20 for each further ₱5,000 or fraction
Notarial fees: Based on loan amount
LTO encumbrance: Varies with the fees of the LTO concerned
Appraisal fee: ₱2,000 within Metro Manila; actual expense outside the coverage area
Car history verification: ₱2,500 or actual cost, whichever is higher
Miscellaneous fees: ₱3,500
Mortgage cancellation notarial fee: ₱500
Certificates: Full payment or outstanding balance ₱100; principal and interest paid or payment history ₱200; certified true copies ₱200 per document
Pre-termination: No pre-termination fee
Pre-termination process: Request a Statement of Account at cbgopautopru@chinabank.ph, then pay the exact amount on the confirmed date
Partial prepayment: At least 6 months' amortization, applied to principal on the anniversary due date
Payment methods: Auto debit arrangement or post-dated checks
Collateral release: Collateral documents are released 15 banking days from full payment
Mortgage cancellation: Take the notarized Cancellation of Mortgage to the Registry of Deeds, then to the LTO district office for a new CR
Credit data: The application form authorises disclosure of your basic credit data to the Credit Information Corporation

China Bank car loan hotline and contact

Hotline: (632) 888-55-888, 24/7 Customer Contact Center
Toll-free: 1800-1888-5-888 (PLDT)
Loan servicing email: cbgopautopru@chinabank.ph for prepayment, statements and documents
Payments email: cbgclientservicing@chinabank.ph for payment concerns
Insurance: China Bank Insurance Brokers: 8885-5555 local 5439 or 6570-6572
Head office: Chinabank Building, 8745 Paseo de Roxas corner Villar Street, Makati City 1226

China Bank car loan questions

What are the requirements for a China Bank car loan?

Corporations: SEC registration, articles and by-laws, latest ITR, 3 years of audited statements, GIS, board resolution, trade references, company profile; Pre-owned: original LTO CR with ORs, PNP clearance with macro etching, notarized deed of sale, 3 LTO stencil sets, insurance policy with OR; Reimbursement: original LTO CR with ORs, sales invoice, delivery receipt, OR of full payment, 3 LTO stencil sets, insurance policy with OR; Additional documents may be required during evaluation and up to loan release.

Does China Bank offer a car loan?

Yes. Chinabank AutoPlus finances brand-new cars up to 80% of the selling price and pre-owned vehicles up to 70% of appraised value, over 12 to 60 months for brand-new or 12 to 48 months for pre-owned.

How much salary do I need for a car loan?

Chinabank states a minimum salary or household income requirement of ₱30,000 to ₱50,000 for AutoPlus.

How much is the interest rate in Chinabank?

Chinabank does not state a numeric AutoPlus interest rate anywhere on its site. Ask a branch for your quotation, and treat third-party rate figures you see online with caution since they aren't sourced to chinabank.ph.

What are the requirements for a China bank loan?

Chinabank asks for legal age and good credit standing. Specific age cutoffs and a citizenship or residency rule are quoted by some third-party sites, but Chinabank's own pages don't state exact figures, so confirm with a branch.

How can I check the status of my car loan application?

Chinabank does not list a dedicated online status tracker for AutoPlus; call the 24/7 Customer Contact Center at (632) 888-55-888 or email cbgopautopru@chinabank.ph.

How long does a car loan take to get approved?

Chinabank's AutoPlus Bundle promo page states a loan term of minimum 3 years to maximum 5 years (36 to 60 months); it does not state a standard approval turnaround time for the general product.

Compare before you apply

Answer 5 questions to see the three car loans that fit you best, or check the requirements at every bank.

How we compare car loans.