GAC 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.7 GAC models, from the GS3 Emzoom at ₱898,000 to the M8 at ₱2,998,000. With 20% down over 5 years, the lowest monthly payment is ₱15,062 at UnionBank.
- Models with a price
- 7
- Price range
- ₱898,000 to ₱2,998,000
- Lowest monthly
- ₱15,062, GAC GS3 Emzoom (20% down, 60 months, UnionBank)
GAC 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 |
|---|---|---|---|---|
| GAC GS3 Emzoom | ₱898,000 | ₱179,600 | ₱15,062 | ₱13,180 |
| GAC EMPOW | ₱1,225,000 | ₱245,000 | ₱20,547 | ₱17,979 |
| GAC M6 Pro | ₱1,278,000 | ₱255,600 | ₱21,436 | ₱18,757 |
| GAC Emkoo | ₱1,298,000 | ₱259,600 | ₱21,772 | ₱19,050 |
| GAC GS8 | ₱2,398,000 | ₱479,600 | ₱40,222 | ₱35,195 |
| GAC Emkoo Hybrid | ₱2,498,000 | ₱499,600 | ₱41,900 | ₱36,662 |
| GAC M8 | ₱2,998,000 | ₱599,600 | ₱50,286 | ₱44,001 |
Which GAC fits your budget
Set a monthly budget, down payment and term. Switch brands to compare.
₱25,000 a month finances a car up to ₱1,490,461 with 20% down over 60 months at UnionBank. 4 models fit.
GAC EmkooFrom ₱1,298,000₱21,772/mo at UnionBankCompare every bank for this car
GAC M6 ProFrom ₱1,278,000₱21,436/mo at UnionBankCompare every bank for this car
GAC EMPOWFrom ₱1,225,000₱20,547/mo at UnionBankCompare every bank for this car
GAC GS3 EmzoomFrom ₱898,000₱15,062/mo at UnionBankCompare every bank for this car
Starting prices from each model's lowest variant. Monthly payments exclude insurance and one-time charges.
How GAC financing works
GAC dealers arrange a bank auto loan at the showroom. What GAC offers beyond that, on its own site:
- Brand financing plans
- GAC 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 GAC car?
With 20% down over 60 months at UnionBank, the GAC GS3 Emzoom (from ₱898,000) costs ₱15,062 a month and the GAC M8 (from ₱2,998,000) ₱50,286. Every model's monthly payment is in the table on this page.
Does GAC have in-house financing in the Philippines?
GAC dealers arrange financing through banks at the showroom. Ask the dealer which banks it works with, then compare their monthly payments for your model on this page.
Financing for other brands
- BMW
- BYD
- Chery
- Ford
- Foton
- Geely
- Honda
- Hyundai
- Isuzu
- Jeep
- Kia
- Land Rover
- Lexus
- Mazda
- Mercedes-Benz
- MG
- Nissan
- Porsche
- Subaru
- Suzuki
- Volkswagen
- Volvo
Carmaker finance companies: Toyota Financial Services and Mitsubishi Motors Finance.