lifestyle
First-Time Driver in the Philippines? Here’s Your Complete Car Buying and Loan Guide
Wednesday, August 27
Buying your very first car is one of life’s big milestones. For many Filipinos, it’s not just about convenience—it’s about freedom, independence, and the thrill of finally getting behind the wheel. But before you cruise down EDSA or plan your first road trip to Tagaytay, there are a few important steps every newbie driver needs to know. Thankfully, PSBank makes the whole journey—from learning to drive, to choosing your first car, to managing payments—simple and stress-free.
Step 1: Getting Your First License
Every journey starts with the basics: the LTO Theoretical Driving Course. This 15-hour seminar covers everything from traffic rules to road safety and is available online or in accredited driving schools. Once you pass the exam, you can apply for a student permit.
From there, practice makes perfect as you prepare for the written and practical exams for your non-professional driver’s license. Pro tip: take online reviewers to boost your confidence, and don’t forget your medical exam before your student permit expires. For official details, always check the LTO website.
Step 2: Choosing the Right First Car
Buying your first car is both exciting and overwhelming. Instead of focusing only on the “porma factor,” think about what fits your daily lifestyle:
- Hatchback or Sedan – Best for city driving, fuel efficiency, and easy parking.
- MPV or Crossover – Ideal if you often travel with family or need extra cargo space.
- SUV – Perfect for road trips outside Metro Manila or routes with rough terrain.
Not sure what fits your budget? PSBank’s Loan Calculator helps you estimate your downpayment and monthly amortization so you can make smart choices. Even better, you can apply for a PSBank Auto Loan online and get approved in as fast as 24 hours.
For those on a budget, PSBank also offers pre-owned cars for sale online or at their Pre-Owned Auto Mart in Taguig—open Monday to Saturday.
Step 3: Learning Car Care 101
Owning a car is more than just driving—it’s about responsibility and safety. New car owners should:
- Understand dashboard lights and features like hazard signals and defoggers.
- Keep the car insured to protect against accidents.
- Perform regular checks (tire pressure, battery, oil levels).
- Drive smart—obey traffic rules, avoid distractions, and always keep a safe distance.
Step 4: Driving Safely on the Road
Being a first-time driver in the Philippines can feel intimidating, especially with the traffic chaos in Metro Manila. But staying safe comes down to a few simple rules:
- Buckle up, always.
- Keep your eyes on the road and hands off your phone.
- Follow speed limits and traffic signs.
- Plan routes ahead using apps like Waze or Google Maps.
- Stay calm and patient—even during rush hour.
And for hassle-free road trips, load up your AutoSweep and EasyTrip RFIDs, which you can conveniently reload via PSBank Mobile.
PSBank: Your Maaasahan Partner
Buying your first car is a big step, but it doesn’t have to be complicated. With PSBank Auto Loan, flexible terms, and digital convenience, first-time car buyers can focus more on the joy of driving and less on the stress of paperwork.
Managing payments is also stress-free with PSBank Mobile and PSBank Online, or even through 7-Eleven and partner outlets. For added convenience, you can set up Automatic Debit Arrangement (ADA), so your amortizations are paid on time.
Plus, with PSBank’s Prime Rebate, you earn rebates whenever you make advance or excess payments—helping you pay off your loan faster.
If you’re ready to start your car ownership journey, apply through the PSBank Online Loan Application or visit your nearest PSBank branch today.


















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