Metrobank has launched the #EarlyGIFT Challenge and the Happy Holideals promo to encourage Filipinos to set financial goals and take advantage of offers on home and car loans ahead of the holidays.
Metrobank’s consumer loan portfolio grew by 15.3% year-on-year in the first half of 2025, with auto loans up by 17.8% and home loans rising by 8%.
“As of the first half, our consumer loan books have shown steady year-on-year growth,” said Peaches Cuenco, head of the Consumer Lending Group at Metrobank. “This is expected to continue for the rest of the year, as we launch offers like the Happy Holideals promo and as more Filipinos look into making major life purchases ahead of the holidays.”
The #EarlyGIFT Challenge invites Filipinos to set at least one clear goal in August, post it on social media, and tag friends and family to join. The goal is to promote financial mindfulness before the peak spending season and help avoid post-holiday “financial hangovers.” The initiative builds on Metrobank’s G.I.F.T. tradition, which stands for Get guided by Goals, Invest your bonus wisely, Follow a budget plan, and Take advantage of deals.
The 2025 Happy Holideals promo runs from Aug. 1 to Oct. 15, with approved loan applications booked by Oct. 31 eligible for low interest rates and waived fees of up to ₱100,000.
For car loans, rates start at 8.70% per annum for a 36-month term, 8.89% for a 48-month term, and 9.11% for a 60-month term, with waived charges including Chattel Mortgage Registration Fee, Documentary Stamp Tax, and Notarial Fee. Approved borrowers also receive free first-year car insurance from AXA Philippines.
For home loans, rates are as low as 6.50% p.a. for a 3-year fixed term, 6.75% for a 5-year fixed term, and 7% for a 7-year fixed term, with waived fees covering Mortgage Registration, Documentary Stamp Tax, and Notarial Fee.
More details about the promo and challenge are available at www.metrobank.com.ph and on Metrobank’s official social media pages.