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Car Financing Comparison

Compare a bank auto loan, credit-to-cash / personal loan, and dealer in-house financing side by side. Discounted price, upfront cash, monthly amortization, and lifecycle cost — with freebies and discounts handled cleanly so nothing is double-counted.

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Not sure where to start? Load the Toyota Yaris Cross 2026 sample to see how the comparison works.

Vehicle

Vehicle details & dealer discount

Vehicle name

Original selling price

Dealer discount

Discount applies to

Option

Bank Auto Loan

Secured loan from a bank, vehicle as collateral.

Bank name

Down payment (₱)

Loan amount (₱)

Loan Term (Months)

Monthly amortization (₱)

Payment type

Fees (enter 0 if free)

Chattel mortgage

Bank fees

Documentary stamp tax

Notarial fee

LTO encumbrance

Registration

Comprehensive insurance

CTPL

Other fees

Promo / freebies notes

Option

Credit-to-Cash / Personal Loan

Borrow cash from card or personal loan, pay car as cash.

Bank / card provider

Loanable amount (₱)

Loan Term (Months)

Monthly add-on rate (%)

EIRPA (%)

Monthly payment override (₱)

Fees (enter 0 if free)

Processing fee

Registration

Comprehensive insurance

CTPL

Other fees

Promo / freebies notes

Option

In-House Financing

Direct financing from the dealer.

Dealer name

Down payment (₱)

Loan amount (₱)

Loan Term (Months)

Monthly amortization (₱)

Payment type

Fees (enter 0 if free)

Chattel mortgage

Processing fee

Documentation fee

Registration

Comprehensive insurance

CTPL

Other dealer charges

Promo / freebies notes

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Once you've entered the vehicle and at least one financing option, hit Compare to see upfront cash, monthly payments, and lifecycle cost side by side.