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PNB auto loan for february 2024

Get an auto loan at PNB. On 22.02.2024 there are 1 options are available to you. Increase your chances of getting a loan - fill out an online application with a free credit rating check.
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from ₱400,000

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up to 60 months
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Warning: This lender is predatory and extremely dangerous. Do not use this app for loans as they will trap you with impossible and maliciously high interest rates...
I was charged an excessive amount by KVIKU. My last loan was approved on November 25th, 2022 for 5000 pesos...
High Interest Rate. They approved my auto loan without discussing repayment options in full. Instead, they sent me a contract with scheduled payments, which is nowhere near the advertised 0...
PNB auto loan for february 2024

The Philippine National Bank auto loans allow borrowers to loan 80% of the purchase price for a brand new car and 75% of the appraised value for a second-hand vehicle. The minimum loan amount is ₱400,000. The maximum loan term for PNB auto loans is 60 months.

How to apply an auto loan?

  1. Visit the PNB website.

  2. Then click on Personal banking.

  3. After that you will see some drop down options on the screen, click on Buy your dream car or house.

  4. Then, under auto loan click on Learn more, this will lead you to the auto loan calculator page.

  5. Scroll down and click on Apply now.

  6. Ensure you meet all the checkpoints, and tick them one by one. After that click on Apply now.

  7. The auto loan application form will be opened, check the first and agree to the terms and conditions.

  8. After that, enter all the necessary details related to the car you want to purchase , its value, the downpayment you can pay.

  9. After that, in the next segment you will be required to enter all your personal and financial details. Fill all the required information boxes with correct and verified details.

  10. At the end, you will see some additional questions, where you have to answer, yes or no.

  11. Then, check the certification box which ensures all the information you have entered is correct and click on Review and confirm to submit your application.

  12. Submit the online application form and wait for its confirmation.


Some eligibility criteria and requirements every borrower must have before applying for an auto loan are stated below.



To be eligible, personal auto loan applicants must:

  1. Be between the ages of 25 and 65 when the loan matures.

  2. Be a Filipino citizen, a foreigner with a Filipino co-maker, or a foreigner resident in the Philippines for at least one year with a valid Alien Certificate of Registration (ACR).

  3. Be self-employed or a salary earner.

  4. Be a locally employed applicant and have a permanent status at the time of application.

  5. Have a gross monthly income of at least ₱30,000.


To be eligible, corporate auto loan applicants must:

  • Have a registered business that has been operating financially for at least three years .​

  • Have a gross monthly income of at least ₱200,000.

Documentary requirements

Check punctuation rule for lists to avoid repeating the mistake again and again


  • Filled application form​

  • Two valid government-issued ID cards​

  • Latest income tax return​

For employed individuals

  • Certificate of employment loan applicants

  • Proof of remittance

If business engaged:

  • Last three months' audited financial statements and income tax return

  • Papers of business registration

  • Proof of other income sources​

  • Business permit​

  • Latest three months bank statements​

Identification papers, such as:

  • Driver's license

  • SSS/GSIS cards

  • Company ID cards

  • Passport, etc

For OFW applicants:

  • Minimum of one government-issued valid ID card

  • COEC with an original six months payslip and remittance

  • Consularized certificate of employment compensation


  • Filled application form​

  • Company profile​

  • SEC Certificate of Registration

  • Business plan

  • Articles of Incorporation

  • Secretary’s certificate or partnership resolution using the PNB prescribed format

  • Latest income tax return

  • Audited financial statements for the past three years

  • Past three months’ bank statements

  • Financial statements for the last three years

  • List of corporate beneficial owners and attestation of the ownership declaration

  • List of principal officers, their positions, and addresses

  • List of principal stockholders of the corporation, ownership​ status, and addresses

  • Trade references with at least three major suppliers and three significant clients​

Pros and cons

Below are the cons and pros of the Philippine National Bank auto loan.


  • The bank offers loan terms of up to 60 months.

  • The loan is for both brand new cars and second-hand ones.

  • The bank covers up to 80% of the vehicle's purchase price for a new car and 75% of the appraised value for second-hand ones.

  • The loan can be approved within three to five days.


  • The bank would require you to attach collateral if you apply for this loan.

  • The bank has a long list of loan requirements.

How to repay?

The loan can be repaid through any of the following methods:

  • PNB local stores. Some branches accept only cash payments. Payments made during the store hours will be posted the next banking day. Your loan balance will be updated after two banking days from the loan payment date.

  • PNB online. It is accessible to PNB deposit account holders who want to make auto loan payments online. Direct debit payments received before the cut-off time are posted within 24 hours.

  • PNB e-pay. Payments can be made without having to distribute cash or issue checks. Simply pay through your PNB deposit account, and the money will be remitted to the intended account and made available for withdrawal on the stipulated payment date.

  • PNB ATMs. PNB ATMs directly accept auto loan debt payments. Visit an ATM and simply follow the on-screen directions to repay your loan. Your loan balance will be updated within two banking days after receiving payment.

  • PNB automatic debit arrangement. You can use the mechanical debit arrangement to repay your auto loan if you have a PNB deposit account.


How can I check my PNB car loan balance online?

Simply visit the PNB official website or app, log in with your credentials, input your car loan account number and other details, and check the status of your car loan balance.

Can I use a car I own as collateral for an auto loan from PNB?

No. Philippine National Bank only accepts the newly purchased car as collateral.