RCBC Car Loan 2026
By Aditya AmanPublished Sep 28, 2026Editorial PolicyLives in the Philippines and has driven nearly every Luzon expressway with his family.RCBC finances brand-new and second-hand cars, including RCBC-acquired units, and motorcycles, through its Regular Auto Loan, Auto Loan Plus and Auto Loan Flexilite products.
- Interest rate, brand new
- 5.35% to 29.60% add-on, 12 to 60 months
- Monthly on ₱1,000,000
- ₱21,600 over 60 months, about 10.7% a year
- Down payment
- 20% brand new; 30% pre-owned
- Loan term
- 12 to 60 months brand new; 12 to 48 months pre-owned
- Loan amount
- ₱500,000 brand new; ₱200,000 for pre-owned and RCBC-acquired units (the bank's pages differ: ₱300,000 brand new elsewhere)
- Decision
- 1 day
RCBC car loan calculator
Pick your car, down payment and term to see the monthly payment at RCBC, the total interest, the one-time charges and what the car costs you in all, and how RCBC compares with the cheapest bank for the same loan.
Example car, ₱1,250,000, 20% down, 60 months. Pick your car or type its price.
₱21,600a month
29.60% add-on for 60 months, about 10.7% a year
- Down payment
- ₱250,000
- Loan
- ₱1,000,000
- Total interest
- ₱296,000
- One-time charges
- Quoted on approval
- What the car costs you
- ₱1,546,000
4 of 8 banks for this loan: ₱633 a month more than UnionBank.
Pay overMonthlyTotal interest
Shorter terms cost more a month and less in total. Tap a term to use it above.
RCBC car loan rates by term
RCBC charges an add-on rate: one figure on the full loan for the whole term, so the rate rises with the term.
| Car | 12 months | 18 months | 24 months | 36 months | 48 months | 60 months |
|---|---|---|---|---|---|---|
| Brand new | 5.35% | 7.70% | 10.47% | 16.98% | 22.88% | 29.60% |
| Second hand | 8.26% | 12.14% | 16.39% | 24.72% | 33.70% | No rate for this term |
| Monthly on ₱1,000,000, brand new | ₱87,792 | ₱59,833 | ₱46,029 | ₱32,494 | ₱25,600 | ₱21,600 |
Standard rates. Regular Auto Loan, from the calculator on the bank's page.
RCBC vs other banks
On the same ₱1,000,000 brand new car loan over 60 months, RCBC costs ₱21,600 a month: ₱633 more than UnionBank, the lowest.
BankMore a month than the lowestMonthly
RCBC Auto Loans: features
- Down payment, Auto Loan Plus
- 20%
- Down payment, Flexilite
- 0%
- Loan term, Auto Loan Plus
- 36 to 60 months
- Loan term, Flexilite
- 36 or 60 months; 20% residual paid lump sum or over 12 to 36 months (the bank's pages differ: 36 to 96 months elsewhere)
- Maximum loan, Flexilite
- ₱3,000,000
- Car insurance
- Regular and Flexilite: insurance with a fee. Auto Loan Plus: insurance free
- Motorcycles
- Separate online motorcycle loan application
- RCBC Microbank
- RCBC Microbank, formerly Rizal Microbank, lists no auto loan; its Small Biz loans can fund business vehicles
RCBC's own pages differ on minimum loan amount, brand-new car: ₱500,000 minimum on the live auto-loans page, for the Regular, Plus and Flexilite products; ₱300,000 minimum on RCBC's own loan application form PDF (₱200,000 for pre-owned or RCBC-acquired units). Confirm with the branch before you apply.
Who can get a RCBC car loan
RCBC's rules differ by how you earn. Pick yours.
- At least 21 when applying and at most 70 when the loan matures
- Filipino or dual citizen
- Flexilite: Hexagon Club members only; brand-new private vehicles except trucks and big bikes; 1 unit per customer
- At least 1 year of employment
- Business profitable for the past 2 years
- At least 2 consecutive years working abroad
RCBC car loan requirements
Tick each document as you gather it, then print the list for your branch visit.
2 of 2 still to gather
2 of 2 still to gather
3 of 3 still to gather
2 of 2 still to gather
How to apply for a RCBC car loan
- Apply online through RCBC's auto loan application, or download the loan application formOpen RCBC's form
RCBC car loan fees and terms
What RCBC charges beyond interest, and the rules after you sign. Your disclosure statement lists the full amount.
- Late payment
- 3% of the monthly installment for each late payment
- Penalty interest
- 5% a month or part of a month
- Full prepayment
- Service fee at the disclosure statement rate times the principal prepaid; partial prepayments carry no such fee
- Default charges
- Collection fee ₱5,000 or actual cost; attorney's fees ₱10,000 or 25%, whichever is higher; liquidated damages 25%
- Late insurance submission
- ₱1,500 for each late submission
- Registration, notarial and documentary stamps
- Paid by the borrower; amounts are set per loan in the disclosure statement
- Flexilite deposit hold-out
- New Hexagon Club members: 10% of the loan or ₱100,000, whichever is higher, held for 1 year
RCBC car loan promos
- Until December 31, 2026Tesla financing offer
Tesla purchases on Regular Auto Loan terms: 12 to 60 months, minimum 20% down payment; avail by March 31, 2027.
RCBC car loan hotline and contact
- Customer care
- +632 8877 7222
- Domestic toll-free
- 1-800-10000-7222
- customercare@rcbc.com
RCBC car loan questions
What is the RCBC car loan interest rate?
RCBC's brand new car loan rates run from 5.35% to 29.60% add-on, for 12 to 60 months. On ₱1,000,000 over 60 months that is ₱21,600 a month.
How much is the down payment for a RCBC car loan?
20% brand new; 30% pre-owned.
How long is RCBC car loan approval?
1 day, once your documents are complete.
What are the requirements for a RCBC car loan?
Completely filled-out application form; 2 valid government-issued IDs, preferably a driver's license.
How long is RCBC auto loan approval?
RCBC states a 1-day approval turnaround for its Regular Auto Loan once your application is complete.
How much is RCBC car loan interest?
RCBC's add-on rates for a brand-new car run from 5.35% at 12 months to 29.6% at 60 months, with second-hand cars from 8.26% to 33.7% over shorter terms.
What are the requirements for an RCBC loan?
You must be 21 to 70 years old at loan maturity and a Filipino or dual citizen, with at least 1 year of employment if salaried or 2 profitable years in business if self-employed. OFWs need at least 2 consecutive years working abroad.
How do I check my car loan status?
RCBC does not offer a self-service online tracker; status follow-ups go through Customer Care at +632 8877 7222, the Consumer Loans Inquiries web form, or customercare@rcbc.com, typically answered in 2 to 3 banking days.
Can I get a car loan from RCBC bank?
Yes. RCBC's live Regular Auto Loan page states a ₱500,000 minimum for brand-new cars (₱200,000 for pre-owned or RCBC-acquired units), though RCBC's own loan application form states a lower ₱300,000 minimum for brand-new cars. Ask your RCBC branch which figure applies to your application.
Compare before you apply
Answer 5 questions to see the three car loans that fit you best, or check the requirements at every bank.
