Bank of the Philippine Islands (BPI) vehicle loan rates and calculator

Rates are each lender's published add-on rate for the whole term (for example 17.76% over 36 months), for payments in arrears unless noted. “On request” means the lender offers the term but does not publish a rate. Promo rates, your credit standing and the vehicle can change what you are offered.

• BPI Auto Loan for Big Bike: Add-on rates as listed in the page FAQ (total add-on for the term). Minimum down payment derived from the stated maximum loan of 70% of the purchase price. Minimum unit price PHP 200,000, minimum loan PHP 100,000, terms of 1 to 3 years. Effective rates listed alongside: 15.92% (12), 15.33% (18), 16.02% (24), 16.72% (36). The page also advertises 0% installment promos with partner brands, which are not reflected here.
• BPI Auto Loan (Passenger Car, brand new): Add-on rates for brand-new cars as listed in the page FAQ (total add-on for the term). The page states down payment options as low as 15% and a maximum loan of 85% of the purchase price, minimum loan PHP 200,000, terms of 1 to 5 years. The same table lists effective rates of 9.88% (12), 9.55% (18), 10.50% (24), 10.94% (36), 11.03% (48) and 11.19% (60). Second-hand cars have a separate, higher table and a 70% maximum loan. No fee amounts are given on this page.
• BPI Motorcycle Loan (regular bikes below 250cc): Rates shown are the LOWER BOUND of the range the page publishes: add-on rate from 2.43% to 2.88% per month for regular motorbikes below 250cc (2.43% x 12, 24 and 36 months = 29.16%, 58.32% and 87.48% total add-on; the upper bound would be 34.56%, 69.12% and 103.68%). Use as a from-figure only. Original research note: the page publishes only a range, not a rate per term: add-on rate from 2.43% to 2.88% per month for brand-new and second-hand regular motorbikes below 250cc (that is 29.16% to 34.56% total add-on over 12 months, 58.32% to 69.12% over 24, 87.48% to 103.68% over 36). Minimum down payment of 5% applies to selected units; loan amount up to PHP 400,000. Offered through Premiumbikes and Summit Superbikes dealers and BPI branches.