Financing Options - BC Cars Philippines

Flexible Financing Options

Making your dream car affordable with tailored payment solutions

At BC Cars, we understand that purchasing a vehicle is a significant investment. That's why we've partnered with leading financial institutions in the Philippines to offer you flexible financing options that suit your budget and lifestyle.

Our experienced finance specialists will guide you through the entire process, from application to approval, ensuring a smooth and hassle-free experience.

Competitive interest rates

Flexible payment terms up to 60 months

Quick approval process

Minimal documentation required

Our Financing Plans

Choose the financing option that works best for you

Standard Plan

Low down payment starting at 15%
Terms from 12 to 60 months
Competitive interest rates
No prepayment penalties
Quick approval process

Our most popular financing option provides an excellent balance of affordability and flexibility for most customers.

From

8.5%

Annual Interest Rate

BEST VALUE

Premium Protection Plan

All Standard Plan features
Comprehensive insurance included
Extended warranty coverage
Free periodic maintenance
24/7 roadside assistance

Get complete peace of mind with our all-inclusive financing package that covers all your vehicle care needs.

From

9.5%

Annual Interest Rate

Entrepreneur Plan

Designed for business owners
Flexible payment schedules
Higher loan amounts available
Tax-deductible interest
Special fleet rates

Tailored financing options for entrepreneurs and small business owners with special tax advantages.

From

10.0%

Annual Interest Rate

Simple Application Process

Getting financed with BC Cars is quick and hassle-free

Apply

Fill out our simple application form online or at our dealership.

Review

Our finance team reviews your application and explores options.

Approval

Receive your approval and review your personalized offer.

Drive

Complete the paperwork and drive home in your new vehicle.

Required Documents

Valid government-issued ID (e.g., Philippine driver's license, passport)
Proof of income (e.g., pay slips, tax returns)
Proof of residence (e.g., utility bills, lease agreement)
Employment verification (e.g., certificate of employment)
Bank statements (last 3 months)

Start Your Application

Ready to take the next step? Start your financing pre-approval today and get one step closer to your dream car.

Auto Loan Calculator

Estimate your monthly payments based on vehicle price, down payment, and term

Vehicle Price (₱)

Down Payment (%)

20% (₱200000)

Loan Term (Months)

Interest Rate (%)

Loan Summary

Vehicle Price: ₱1,000,000

Down Payment: ₱200,000

Loan Amount: ₱800,000

Loan Term: 60 months

Interest Rate: 9.5%

Monthly Payment: ₱16,804

Total Interest: ₱208,240

Total Payment: ₱1,008,240

* This calculation is for estimation purposes only. Actual rates and terms may vary based on credit approval and other factors.

Customer Financing Stories

Hear from customers who financed their vehicles with BC Cars

"I was worried about getting approved due to my limited credit history, but BC Cars worked with me to find the perfect financing solution. Their low down payment option made it possible for me to get my dream car!"

Marco Diaz

Manila, Philippines

"The financing process was so straightforward. Their calculator helped me understand exactly what I could afford, and the finance team found me an even better rate than I expected. Highly recommend!"

Ana Reyes

Quezon City, Philippines

"As a business owner, I appreciated their flexible payment options. The Premium Protection Plan gave me peace of mind with the included insurance and warranty. BC Cars made financing simple and worry-free."

Paolo Santos

Pasig, Philippines

Take A Gaming Break

While considering your financing options, enjoy some entertainment with these popular Philippine gaming platforms.

Philippine Online Slots | slotsonline.ph

Play responsibly. For entertainment purposes only. 18+ only.

Frequently Asked Questions

Common questions about auto financing in the Philippines

While a good credit score can help you secure better interest rates, we work with various lenders who offer options for different credit profiles. Even if you have limited or less-than-perfect credit, our finance specialists can help explore options that might work for your situation.

Yes, we have financing options for self-employed individuals. You'll typically need to provide additional documentation such as business registration, income tax returns (ITR), and bank statements to verify your income.

Most financing applications receive initial feedback within 24-48 hours. For pre-qualified customers with complete documentation, same-day approvals are often possible. The total process from application to driving your new car typically takes 3-5 business days.

Yes, our standard auto loans do not have prepayment penalties. You can make additional payments or pay off your loan completely at any time without incurring extra fees. This can help you save on interest over the life of the loan.

Financing Solutions

Flexible Financing Options