Program highlights
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Flexible payment terms

Get a loan term of 72 months for all cars, and 84 months for select brands and models.​

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Lower monthly payments​

Manage your cash flow with lower monthly payments and a minimum down payment of 15%​.

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Low income requirements​

Apply with a gross monthly income as low as Php 30,000.​

Eligibility
borrower

Individual

Borrower

loan amount

Loan amount

Php 500,000

loan term

Loan term

72 or 84 months

loan purpose

Loan purpose

Brand new vehicles

downpayment

Downpayment

Minimum of 15%

General terms and conditions

1. BPI MyKotse is available for brand new passenger cars only.​

2. Loan terms of up to 72 months is available to all passenger car types and brands.​

3. Loan terms of up to 84 months is available to vehicles with engine displacements of 1.4L and higher and for select car brands only.​

4. Corporate clients and fleet applications are not eligible under BPI MyKotse.​

5. Payment solutions such as Auto Loan Multiyear Protect, Step-Up Payplan, and Zero Cash-out are not available under BPI MyKotse.​

Interest rates

Term​

Add-On Rate​

Effective Rate

12​

5.43%​

9.88%​

18​

7.73%​

9.55%​

4​

11.30%​

10.50%​

36​

17.76%​

10.94%​

48​

24.13%​

11.03%​

60​

31.01%​

11.19%​

72​

38.42%​

11.37%​

84​

46.39%​

11.58%​

Customer support

For inquiries and comments, please send us a message or call our 24-hour BPI Contact Center at (+632) 889-10000.​

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