hi. i just finished the exercise of comparing all interest rates of bank loans. these are the lowest rates i got:

UNIONBANK
EASTWEST BANK
PSBANK

the other factor which u will need to consider is the attitude of the bank loan officer. merong mabait, merong makupad, merong masungit, merong strict sa requirements.

hope this helps.

if i pushed thru with my in house financing, i would have spent more than 200k in buying the same car.