Metropolitan Bank & Trust Company (Metrobank) vehicle loan rates and calculator
Metropolitan Bank & Trust Company (Metrobank) publishes its vehicle loan terms, shown below as recorded from its own pages. Use the calculator to apply them to a price.
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.
Metrobank Car Loan: After loan approval: notarial fee PHP 300 and handling fee PHP 1,500, plus documentary stamp tax (PHP 1.50 per PHP 200) and a security interest registration fee quoted by the Registry of Deeds. Appraisal fee PHP 500 and car history fee PHP 750 apply only to reimbursement and non-authorized-dealer transactions.. Prevailing add-on rates for payments in arrears, marked on the page 'Update as of 5 June 2026' (total add-on for the term). With one month advance the add-on rates are 4.45% (12), 6.83% (18), 9.92% (24), 15.96% (36), 22.50% (48), 29.13% (60). Effective rates in arrears: 9.45%, 9.40%, 9.99%, 10.44%, 10.78%, 10.93%. Minimum down payment derived from the Help Center statement that the maximum loan is up to 80% of the car's net selling price; term 12 to 60 months; brand-new vehicles only. Fees are from the Help Center page /help/loans/car-loan/rates-and-fees-car-loan; feesPhp counts only the two fixed amounts (notarial and handling). Metrobank's website Terms of Use (https://www.metrobank.com.ph/articles/terms-of-use) restrict 'data mining, data harvesting, data extracting or any other similar activity' and 'publishing any website material in any media': the figures here were read before those terms were read, and the site must not be fetched by automated means again.
Metropolitan Bank & Trust Company (Metrobank) loan calculator
Estimated monthly payment₱17,368for 60 months
Amount financed
₱800,000
Total interest
₱242,080
Total cost (down payment, instalments and fees)
₱1,243,880
Cash needed up front
₱201,800
Add-on rate for the term
30.26%
Estimate only, not a loan offer. Rate source: Metropolitan Bank & Trust Company (Metrobank) (Metrobank Car Loan), verified 13 November 2026. Fees: After loan approval: notarial fee PHP 300 and handling fee PHP 1,500, plus documentary stamp tax (PHP 1.50 per PHP 200) and a security interest registration fee quoted by the Registry of Deeds. Appraisal fee PHP 500 and car history fee PHP 750 apply only to reimbursement and non-authorized-dealer transactions..
Questions and answers
How much is the monthly payment on a Metropolitan Bank & Trust Company (Metrobank) car loan?+−
For a ₱1,000,000 car at the minimum 20% down (₱200,000) over 60 months, the published add-on rate of 30.26% gives an estimated ₱17,368 a month and ₱242,080 in total interest. This is an estimate, not an offer.
What terms does Metropolitan Bank & Trust Company (Metrobank) offer?+−
Metrobank Car Loan is offered over 12, 18, 24, 36, 48 and 60 months with a minimum down payment of 20%. Fees: After loan approval: notarial fee PHP 300 and handling fee PHP 1,500, plus documentary stamp tax (PHP 1.50 per PHP 200) and a security interest registration fee quoted by the Registry of Deeds. Appraisal fee PHP 500 and car history fee PHP 750 apply only to reimbursement and non-authorized-dealer transactions..