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Auto Loans

Drive your dream car or refinance your motor vehicles for cash with UCPB’s Auto Loan!

If you have been employed or in business for the last 2 years with a minimum gross monthly income of P30,000.00, you are qualified to apply for a UCPB Auto Loan.

Please choose from UCPB Auto Loan Offerings:
  • Purchase a Brand New Vehicle
  • Purchase a Second-hand Vehicle
  • Multi-purpose loan (your existing vehicle will be your collateral)

  • Loanable Amount:
  • Minimum loanable amount is P100,000.00
  • Use our loan calculator here to compute loanable amount based on your desired monthly payments.

    Downpayment:
  • Minimum downpayment at 20% of net  cash price

    Loan Terms:
  • For Brand New vehicles:
    - Minimum of 1 year
    - Maximum of 5 years
  • For Second Hand or Refinanced Vehicles:
    - Minimum of 1 year
    - Maximum of 3 years

    Interest Rate:
  • Click here to see our competitive interest rates.

    Payment Convenience:
  • Enroll your accounts to UCPB Connect (for individuals) or UCPB CM.Biz (for corporations) to setup recurring monthly payments
  • Issue post-dated checks
  • Enroll your UCPB account for Automatic Debit Arrangement

    Processing Requirements:

    Information on personal data and income
  • Properly accomplished loan application form with ID of all borrowers / signatories

  • If employed:
    - Income Tax Return or Certificate of Creditable Tax Withheld at Source for at least three (3) years
    - Certificate of Employment and Salary ; payslip for the past three(3) months

  • Sole proprietorship:
    - Income Tax Return
    - Latest Audited Financial Statements
    - Latest In-House Financial Statements
    - Bank Statement
    - List of Customers and Suppliers
    - Business Name
    - Certificate of Registration of Business/Trade Name with DTI
    - Application of Registration of Business Name

  • Partnership
    - Income Tax Return
    - Latest Audited Financial Statements
    - Latest In-House Financial Statements
    - Bank Statement
    - List of Customers and Suppliers
    - SEC Certificate of Filing of Articles of Co-Partnership
    - Articles of Partnership

  • Corporation
    - Income Tax Return
    - Latest Audited Financial Statements
    - Latest In-House Financial Statements
    - Bank Statement
    - List of Customers and Suppliers
    - SEC Certificate of Filing of Articles of Incorporation
    - Articles of Incorporation
    - Corporate By-Laws

    Insurance Requirements
  • Comprehensive insurance policy from any reputable insurance companies on the first year
  • Comprehensive insurance policy from any of the UCPB-Accredited insurance companies on the succeeding years.

    Interested in UCPB Auto Loans?
  • Download the application form here (Individual / Corporate)
  • Send by email to Mr. Bing Palanca at frpalanca@ucpb.com
  • Send by fax to (02) 811-9106 or 811-9107
  • Or contact your nearest UCPB branch to learn more.
  • Still looking for a car?  View UCPB’s assets for sale here.

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    Weekly Market Commentary February 13, 2012
    Wall of Money
    Please click here to learn more.

    Attention: Conduit Clearing Arrangement (CCA.Biz) Clients with SFTP access
    Please be advised that we will be archiving the check images uploaded in our SFTP facility starting February 1, 2012.
    Please click here to learn more.

    Warning Against Phishing
    Please click here to learn more.

    Ilaya Branch Relocation
    UCPB Ilaya Branch has moved to a new location so we can serve you even better.

    The new UCPB Branch, which will now be called UCPB Soler, is located in front of 168 Mall.
    Please click here to learn more.

    UCPB is now accepting donations for the victims of Typhoon Sendong
    Donate now and help save lives!
    Please click here for more information.

    U-remit Instant Cash Promo Extension
    Please be informed that the U-remit Instant Cash Promo is extended until March 31, 2012. Please click here for more details.

    Click here to view ATM safety tips.

    Attention: Current Account Holders
    You may still use your old checks (with the old dorsal format) until your stocks run out. Click here for more information.

    Revised Fee for Bank Deposit Certification Required by the British Embassy
    Due to changes in the British Embassy's requirement for Bank Deposit Certifications, we are revising our Bank Deposit Certification Fee from P210.00 to P250.00 effective February 1, 2011.

    For your information and guidance.
    Thank you. click here

    Attention: UCPB Savings Account and Interest-bearing Current Account Holders 
    Please be informed that in keeping with market trends, we are adjusting the interest rate on our regular savings account as follows: click here

    Attention: UCPB Checking Account Clients
    Effectivity Date of New Policy on Insufficiently- Funded Check Moved to January 24, 2011

    The Bangko Sentral ng Pilipinas' new policy on insufficiently-funded checks will take effect January 24, 2011 instead of January 1, 2011 as earlier announced.

    The BSP moved the date to give the banks and the banking public more time to prepare for the implementation of this new policy.

    For your information and guidance. Thank you.

    Frequently Asked Questions on BSP Circular 681
    What is BSP Circular 681?
    BSP Circular 681 mandates all banks to return checks that are DRAWN AGAINST UNCLEARED DEPOSITS (DAUD) and DRAWN AGAINST INSUFFICIENT FUNDS (DAIF), no later than 7:30 a.m. of the next clearing day. This new policy will take effect on January 24, 2011.
    click here

    New BSP Regulation on Insufficiently Funded Checks 
    The Bangko Sentral ng Pilipinas (BSP) has issued BSP Circular 681, which mandates banks to return checks that are not sufficiently funded no later than 7:30 a.m. of the next clearing day. click here

    New Check Format
    We wish to inform you that Philippine banks started implementing in September 2010 the new standard format for the dorsal portion or the backside of checks. click here



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