Metrobank remains optimistic in growing its consumer loans portfolio for the rest of the year

For a lot of Filipinos, owning or upgrading their home and car count among their biggest life goals and the best holiday gift they can give to themselves and their loved ones. This August, Metrobank begins the celebration of the holiday season early with a call to jumpstart Filipinos’ journey to financial mindfulness, as well as great deals to help them finally make these dreams a reality, and achieve it even earlier.

With the “-ber” months just around the corner, Metrobank sees steady growth for its consumer lending business supported by its attractive offers and expected strong demand for car and home loans as the holiday season approaches.

“As of the first half, our consumer loan books have shown steady year-on-year growth. 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,” Peaches Cuenco, Head of Metrobank Consumer Lending Group said.

In the first half of the year, Metrobank’s consumer loans portfolio went up by 15.3% year-on-year, with auto and home loans climbing by 17.8% and 8% year-on-year, respectively.

“Our consumer business remains to be a top growth priority of the Bank and car and home loans play a critical role. That is why part of our plans is to provide our clients with offers that will help them achieve goals in their financial journey,” Cuenco added.

To help people get started on their journey, Metrobank launched the #EarlyGIFT Challenge: an invitation for every Filipino to make at least 1 clear goal in August, share it on their social media accounts, and tag their friends and family to do the same. With international studies showing that 8 out of 10 people are not able to achieve their new year resolutions made in January, taking up Metrobank’s challenge to start planning their financial goals in August gives them the clearer headspace before the biggest spending season of the year, and increases their chances of fulfilling their goals. The bank aims to make more Filipinos be more financially mindful and help them avoid the so-called financial hangover often experienced post-holidays. 

This challenge follows last year’s successful introduction of Metrobank’s G.I.F.T., a new pre-holiday tradition that encourages Filipinos to plan ahead of the holidays using four practical financial principles: Get guided by Goals, Invest your bonus wisely, Follow a budget plan, and Take advantage of deals — all before the holiday season rolls in.

Speaking of holiday deals, Metrobank also announced its 2025 Happy Holideals promo, which runs from August 1 to October 15, 2025, designed to make the dream of car or home ownership and upgrades a reality earlier. Qualified loan borrowers who will submit their complete requirements and book their approved loan by October 31, 2025, can enjoy competitive loan rates and waived fees of up to PHP100,000. 

For car loans, approved applicants can benefit from low interest rates of as low as 8.70% interest rate per annum (p.a.) for a 36-month term, 8.89% interest rate p.a. for a 48-month term, and 9.11% interest rate p.a. for a 60-month term, with a one-month advance payment setup. They will also enjoy waived fees of up to PHP100,000, which includes the Security Interest or Chattel Mortgage Registration Fee, Documentary Stamp Tax, and Notarial Fee. On top of these, customers will also receive a free first-year car insurance package from AXA Philippines– a substantial added value for any car buyer.

Meanwhile, approved home loan borrowers of the Happy Holideals promo can also take advantage of generous benefits. In terms of financing, clients may lock in low interest rates depending on their chosen fixing period. They can take advantage of rates of as low as 6.50% per annum (p.a.) for a 3-year fixed term, 6.75% interest rate p.a. for a 5-year fixed term, and 7% interest rate p.a. for a 7-year fixed term. Metrobank will also waive fees up to PHP100,000, covering Mortgage Registration, Documentary Stamp Tax, and Notarial fees.

By rolling out this financial mindfulness challenge and offers ahead of the traditional holiday rush, Metrobank brings the joy of the season earlier than expected. Making the celebration even more meaningful and to underscore the pre-holiday call to act early, Jose Mari Chan, the country’s holiday season icon, serenaded the audience with the earliest carols of the year during the August 8 launch event, to help spread the message of early planning and joyful, purposeful spending.
To learn more about the Happy Holideals promo or how to join the #EarlyGIFT Challenge, visit www.metrobank.com.ph or follow Metrobank on its official social media channels.