Guides & Tips
Zero Down Payment Car Philippines: October 2026 List
By Richard Cuagdan, Mitsubishi Sales Executive ·
Quick answer: For a zero down payment car in the Philippines, October 2026 Mitsubishi Zero DP Promo units start at ₱17,800 a month (L300 Cab & Chassis), 60 months, all-in. 8 variants have Zero DP Promo this month; the others have a low Option A down payment. Subject to bank approval.
Looking for a zero down payment car in the Philippines? Here are all the Mitsubishi Zero DP Promo units for October 2026, ranked by monthly, with the income each needs at 30–35% of gross income.
Zero DP list, lowest monthly first
| Unit | SRP | Option A monthly | Gross income |
|---|---|---|---|
| L300 Cab & Chassis | ₱829,000 | ₱17,800 | ₱50.9K–₱59.3K |
| L300 Dual AC | ₱1,039,000 | ₱22,214 | ₱63.5K–₱74.0K |
| Xpander Cross | ₱1,378,000 | ₱28,406 | ₱81.2K–₱94.7K |
| Triton GX AT | ₱1,430,000 | ₱29,799 | ₱85.1K–₱99.3K |
| Montero Sport GLX MT | ₱1,568,000 | ₱30,284 | ₱86.5K–₱100.9K |
| Destinator GT (Monotone) | ₱1,929,000 | ₱39,666 | ₱113.3K–₱132.2K |
| Destinator GT (Two-Tone) | ₱1,939,000 | ₱39,844 | ₱113.8K–₱132.8K |
| Triton Athlete 4WD AT | ₱2,359,000 | ₱48,438 | ₱138.4K–₱161.5K |
October 2026 dealer promos, 60 months, all-in. Subject to bank approval and change without notice. Message me for the latest promo.
What "zero DP all-in" means
No down payment, and the package covers LTO registration, TPL insurance, 1-year comprehensive insurance with the rate locked for 3 years, chattel mortgage, free labor up to 5,000 km and a 3-year warranty. Ask for the written breakdown of anything due at signing. More in what all-in includes.
Pros and cons
- Pro: keep your savings for emergencies or business
- Pro: drive sooner
- Con: higher monthly and total of payments than a low DP option
- Con: needs a bit more income to qualify
Compare both in Zero DP vs low DP and Xpander monthly amortization.
Related reading
- Car Financing SJDM, San Jose del Monte Bulacan: Low DP Guide
- Mitsubishi Promo Metro Manila: Buying from SJDM
- Option A vs Option B: Choosing Your Mitsubishi Promo
See also: the how the Mitsubishi zero down payment promo works.
Your next step
See which Zero DP unit fits your income, then test drive it in SJDM.
Check what fits my budget Book a Test Drive Call or text 0954 291 1201
Questions muna? Call or text me, Richard, on 0954 291 1201, walang pressure. Richard Cuagdan, Mitsubishi SJDM, serving SJDM, Bulacan and Quezon City; message me for showroom visits and directions. Promo figures are for October 2026 on a 5-year term, all-in, subject to bank approval and change without notice.
Frequently asked questions
Which Mitsubishi has the lowest zero down payment monthly?
Among October 2026 Zero DP Promo units, the L300 Cab & Chassis at ₱17,800 a month, 60 months, all-in.
Is zero down payment really zero?
Zero DP means no down payment on the promo; the all-in package covers registration, insurance and chattel mortgage. Ask for the written breakdown of what you'll pay at signing.
Is zero DP harder to get approved?
The monthly is higher, so the bank checks that it fits your income. Approval is always subject to bank evaluation.
Which units don't have a zero DP option?
In October 2026, Zero DP Promo is on the L300 Cab & Chassis, L300 Dual AC, Xpander Cross, Triton GX AT, Montero Sport GLX MT, Destinator GT (Monotone), Destinator GT (Two-Tone), Triton Athlete 4WD AT. The other units have Option A with a low down payment. Subject to bank approval.