BDO
Personal loans from BDO up to ₱1,000,000
₱10K – ₱1.0M
Interest from 25.58%
Approval: 5-7 banking days
Motorcycle Loans in the Philippines
Comparing 13 offers. Updated April 17, 2026.
Best offers – Motorcycle Loan 2026
BPI
BPI personal loans up to ₱2,000,000 with flexible terms
₱10K – ₱2.0M
Interest from 25.60%
Approval: 3-5 banking days
Citibank
Citibank personal loans up to ₱2,000,000
₱10K – ₱2.0M
Interest from 30.90%
Approval: 3-5 banking days
Maybank
Maybank personal loans up to ₱1,000,000
₱10K – ₱1.0M
Interest from 1.30%
Approval: 5-7 banking days
EastWest Bank
EastWest Bank personal loans up to ₱2,000,000
₱25K – ₱2.0M
Interest from 1.49%
Approval: 3-5 banking days
Bank of Commerce
Bank of Commerce personal loans up to ₱1,000,000
₱10K – ₱1.0M
Interest from 6.75%
Approval: 3-5 banking days
Home Credit
Home Credit consumer loans up to ₱50,000 with 0% interest
₱2K – ₱50K
Interest from 0.00%
Approval: 1 hour
Security Bank
Security Bank personal loans up to ₱2,000,000
₱25K – ₱2.0M
Interest from 29.48%
Approval: 3-5 banking days
Chinabank
China Bank personal loans up to ₱2,000,000
₱50K – ₱2.0M
Interest from 5.00%
Approval: 3-5 banking days
RCBC Bankcard
RCBC Bankcard with credit limit up to ₱500,000
₱5K – ₱500K
Interest from 5.00%
Approval: 5-7 banking days
Metrobank
Metrobank loans up to ₱10,000,000 for big financial needs
₱500K – ₱10.0M
Interest from 5.90%
Approval: 5-7 banking days
UnionBank
UnionBank personal loans up to ₱1,000,000
₱10K – ₱1.0M
Interest from 2.00%
Approval: 3-5 banking days
UnionBank Car Loan
UnionBank car loans up to ₱5,000,000 with competitive rates
₱50K – ₱5.0M
Interest from 5.00%
Approval: 3-5 banking days
Motorcycle Loans in the Philippines
The motorcycle is the most affordable form of motorized transport in the Philippines, with over 7 million registered motorcycles nationwide. Motorcycle loans let you spread the cost of a brand-new or second-hand unit over 12 to 48 months, making ownership accessible even on a modest income. Down payments typically start at 20% of the unit price.
Major banks including BDO, BPI, Metrobank, and Security Bank offer motorcycle financing, as do in-house financing arms of dealerships. Honda, Yamaha, Kawasaki, and Suzuki dealerships often partner with banks to offer promotional rates — sometimes as low as 0% for the first 6 months. The motorcycle serves as collateral, so lenders are generally more flexible with income requirements than for unsecured personal loans.
Key factors to compare: down payment required, monthly amortization, total interest paid over the life of the loan, and whether early settlement penalties apply. Getting insurance (CTPL and comprehensive) is mandatory and adds to the monthly cost. Compare all motorcycle loan options and calculate your monthly payment on CoolFinance.ph before visiting a dealership.