PNB Car Loan 2026
By Aditya AmanPublished Sep 28, 2026Editorial PolicyLives in the Philippines and has driven nearly every Luzon expressway with his family.Philippine National Bank finances brand-new cars through the PNB Auto Loan for employed and self-employed Filipinos and for foreigners in the Philippines with an ACR.
- Down payment
- Minimum 20% of the car price
- Loan term
- 12 to 72 months in the calculator (the lender's pages differ: the application form lists 12 to 60 months and Others)
- Loan amount
- ₱300,000
- Vehicles
- Brand-new cars
PNB Auto Loan: features
- Loan amount
- Up to 80% of the price of a brand-new car; no peso cap stated
- Loan purpose
- Private or personal, business, or public (application form options)
Who can get a PNB car loan
PNB's rules differ by how you earn. Pick yours.
- Filipino citizen, or a foreigner based in the Philippines with a valid Alien Certificate of Registration
- Between 21 and 65 years old at loan maturity
- Permanently employed for at least 1 year
- Operating a business for at least 3 years
- Must be based in the Philippines with a valid Alien Certificate of Registration (ACR)
PNB car loan requirements
Tick each document as you gather it, then print the list for your branch visit.
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How to apply for a PNB car loan
- Estimate your payments with the PNB auto loan calculatorOpen PNB's form
- Fill out the Motor Vehicle Loan Application Form (individual or sole proprietorship)Open PNB's form
- Visit a PNB branch
PNB car loan fees and terms
What PNB charges beyond interest, and the rules after you sign. Your disclosure statement lists the full amount.
- Security registration
- Borrower registers on the Personal Property Security Registry (PPSR)
- Upfront charges
- Down payment, chattel mortgage fee and insurance premiums are listed as upfront items; the bank quotes the amounts on approval
- Payment methods
- Cash, check, post-dated checks or debit from a PNB account (application form options)
- Withdrawal
- Applicant may withdraw within the period set on the form; refund within 15 banking days, less taxes and fees incurred
PNB car loan hotline and contact
- Phone
- (+632) 8573 8888
- customercare@pnb.com.ph
PNB car loan questions
How much is the down payment for a PNB car loan?
Minimum 20% of the car price.
What are the requirements for a PNB car loan?
Completely filled-up and signed application form; One valid government ID such as PhilSys ID, driver's license, passport or UMID; Register on the Personal Property Security Registry (PPSR) and send a screenshot of My Account to your Account Officer.
What is the PNB car loan interest rate?
PNB does not state a standing interest rate on its Auto Loan product page. Its own verified Facebook page advertised a rate as low as 5.43% in a February 2025 promotional post, but that is a dated promo headline, not a current rate, so ask a branch for your actual quotation.
How do I calculate my car loan amount?
PNB doesn't state a rate, so it doesn't have a working calculator either. PNB states only that you can borrow as low as ₱300,000 or up to 80% of a brand-new car's price, with the exact rate and computation confirmed on approval.
How can I check my PNB car loan balance?
PNB does not state a self-service online balance checker for auto loans; call (+632) 8573 8888 or email customercare@pnb.com.ph.
What payment methods does PNB accept for a car loan?
PNB's application form lists cash, check, post-dated checks, or debit from a PNB account.
Compare before you apply
Answer 5 questions to see the three car loans that fit you best, or check the requirements at every bank.
