Monthly payments start at PHP 10,288*

Promo Period and Offer

1. The Q4 Car Loan Promo (“Promo”) is open to all qualified clients who will submit complete Car Loan application documents from October 16, 2025 to December 29, 2025 (“Promo Period”).

2. To qualify for the promo, the Car Loan application must be approved and subsequently booked¹ on or before February 27, 2026 (“Car Loan Booking Period”).

   ¹A Car Loan application shall be considered “booked” upon (1) submission of complete documents required from the Dealer; and if applicable, (2) registration of Security Interest/Chattel Mortgage in the Registry and submission of Certificate of Registration encumbered in favor of the Bank as stated in the Notice of Approval conditions.

3. Qualified clients shall enjoy the following offers:

   a. Waived Fees of up to PHP 100,000.00; and
   b. Low interest rates.

4. Eligibility criteria are as follows:

   • Application is for purchase or reimbursement of brand-new vehicles for private use only;
   • Loan term should be at least 36 months; and
   • Loan amount should be at least PHP 500,000.00.

   Waived Fees

5. Waived fees up to PHP 100,000.00 are limited only to: (1) Security Interest/Chattel Mortgage Registration Fee; (2) Documentary Stamp Tax (DST); and (3) Notarial Fee. The maximum amount of fee waiver will depend on the loan amount and the actual cost of aforementioned inclusions, which waived fees shall not exceed as follows:

   Loan Amount	Maximum Fee Waiver Amount*
   Php 500,000.00 to Php 999,999.99	Php 10,000
   Php 1,000,000.00 to < Php 1,499,999.99	Php 20,000
   Php 1,500,000.00 to < Php 1,999,999.99	Php 30,000
   Php 2,000,000.00 to < Php 2,499,999.99	Php 40,000
   Php 2,500,000.00 to < Php 2,999,999.99	Php 50,000
   Php 3,000,000.00 to < Php 3,499,999.99	Php 60,000
   Php 3,500,000.00 to < Php 3,999,999.99	Php 70,000
   Php 4,000,000.00 to < Php 4,499,999.99	Php 80,000
   Php 4,500,000.00 to < Php4,999,999.99	Php 90,000
   Php 5,000,000.00 and up	Php 100,000

   *Fee waiver is applicable on a per unit basis.

   The waiver of bank fees shall be applied in the following order of priority:

   1^st – Security Interest/Chattel Mortgage Registration Fees
   2nd – Documentary Stamp Tax (DST)
   3^rd – Notarial Fee

6. Fees beyond the cap and/or those not included above (such as, but not limited to handling fee) are not covered by the waived fees offer and shall be shouldered by the client.

   Low Interest Rate

7. Applicable interest rates for 36 to 60-month terms shall be as follows:

   Term in Months	In Arrears (p.a.)	One Month Advance (p.a.)
   36	9.18%	8.70%
   48	9.02%	8.65%
   60	8.93%	8.62%

   *Nominal Rates may vary depending on dealer fees.

   Promo Lock-in Conditions

8. The loan availed under this promo is subject to a lock-in period equivalent to the entire term of the loan.

9. During the lock-in period, the client:

   a. Shall not request for amendment of the originally approved interest rate, loan term, and other terms and conditions;

   b. Shall pay the loan amortizations on time and maintain the account in current status throughout the entire loan term; and

   c. Shall not sell, mortgage, dispose, or convert to public utility the vehicle mortgaged and/or encumbered while the loan is outstanding.

10. In case any of the above conditions are violated within the lock-in period, Metrobank will charge back to the client the total fees previously waived by the Bank, which are limited only to: (1) Security Interest Registration Fee; (2) Documentary Stamp Tax (DST); and (3) Notarial Fee previously waived by the Bank.