Kymco Xciting VS 400 downpayment and monthly installment 2026
With a 20% downpayment of ₱73,800, the Kymco Xciting VS 400 Standard (₱369,000) works out to about ₱10,410 a month for 36 months. The table shows other downpayment and term combinations.
Source: KYMCO Philippines (KPI). Last verified .
Monthly installment by downpayment and term
Standard variant, ₱369,000. Average of lenders' published rates.
| Down payment | 12 months | 24 months | 36 months |
|---|---|---|---|
| 10%₱36,900 | ₱30,004 | ₱16,225 | ₱11,711 |
| 20%₱73,800 | ₱26,671 | ₱14,422 | ₱10,410 |
| 30%₱110,700 | ₱23,337 | ₱12,620 | ₱9,109 |
| 50%₱184,500 | ₱16,669 | ₱9,014 | ₱6,506 |
Monthly figures are estimates, not loan offers. They use the published rates of Bank of the Philippine Islands (BPI), Security Bank as of 13 November 2026. Your rate, fees and approval depend on the lender or dealer.
Monthly by variant
At 20% down. Terms follow the longest one lenders publish for each variant.
| Variant | Transmission | SRP | Est. monthly |
|---|---|---|---|
| StandardCVT | CVT | ₱369,000 | ₱10,410 |
| MMCCVT | CVT | ₱389,900 | ₱11,000 |
Lender comparison
Estimated monthly for the Standard over 36 months, lender by lender. Where a lender requires a higher minimum down payment, that minimum is used.
| Lender | Down payment | Monthly | Total interest | Rate verified |
|---|---|---|---|---|
| Security BankSecurity Bank Motorcycle Loan (big bikes, 400cc and up) | ₱110,70030% | ₱9,045 | ₱67,320 | 13 November 2026 |
| Bank of the Philippine Islands (BPI)BPI Auto Loan for Big Bike | ₱110,70030% | ₱9,173 | ₱71,928 | 13 November 2026 |
| Salmon (Salmon Finance Inc.)Salmon Moto Loan | ₱73,80020% | Rate not published | 13 November 2026 |
Xciting VS 400 loan calculator
Change the price, down payment, term or lender to see your own numbers.
- Amount financed
- ₱295,200
- Total interest
- ₱79,560
- Total cost (down payment, instalments and fees)
- ₱448,560
- Cash needed up front
- ₱73,800
- Add-on rate for the term
- 26.95%
Estimate only, not a loan offer. Rate source: Average of Bank of the Philippine Islands (BPI), Security Bank, verified 13 November 2026. Insurance, registration and chattel mortgage fees are extra unless stated.
Questions and answers
How much is the Kymco Xciting VS 400 in the Philippines?
The Kymco Xciting VS 400 starts at ₱369,000 for the Standard and goes up to ₱389,900 for the MMC. These are suggested retail prices from KYMCO Philippines (KPI) as of 13 November 2026; dealer prices may differ.
How much is the downpayment and monthly installment for the Kymco Xciting VS 400?
With a 20% downpayment of ₱73,800 on the ₱369,000 base price, the estimated monthly installment is ₱10,410 for 36 months. This uses the published rates of Bank of the Philippine Islands (BPI) and Security Bank as of 13 November 2026 and is an estimate, not an offer. Your actual terms depend on the lender or dealer.
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About ₱10,410 a month
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