For many Filipinos, owning or upgrading a home and car ranks high among their biggest life goals—making them the ultimate holiday gifts to themselves and their loved ones. This August, Metrobank kicks off the holiday season early with its #EarlyGIFT Challenge and Happy Holideals promo, inspiring Filipinos to start their financial planning ahead of the –ber months. The bank’s campaign encourages early action towards financial mindfulness, while offering irresistible deals to help make dream purchases a reality.
Launched on August 8 at One Ayala Malls, the campaign event featured none other than Jose Mari Chan, the country’s Christmas icon, who serenaded guests with the earliest carols of the year. The performance underscored Metrobank’s advocacy for joyful but purposeful spending—urging Filipinos to take advantage of a clear headspace in August to set specific, realistic goals before the holiday rush begins. This initiative builds on the bank’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—all before the holiday season rolls in.

This year, the #EarlyGIFT Challenge takes financial mindfulness a step further. The concept is simple: write down one meaningful and achievable goal for the next 12 months, share it on social media with the hashtag #EarlyGIFT, and invite family and friends to do the same. Metrobank Chief Marketing Officer Digs Dimagiba shared that this public commitment fosters accountability, creates a ripple effect of better financial habits, and helps Filipinos finally accomplish resolutions they often set but fail to complete.

Alongside the advocacy, Metrobank is making dreams even more attainable with the Happy Holideals promo, designed to give clients a head start on home and car ownership. The promo runs until October 15, 2025 for loan applications (with booking until October 31, 2025), and offers a combination of waived fees, low rates, and exclusive perks:
| Happy Holideals Promo Offer | Details |
|---|---|
| Waived fees on both home and car loan applications | Up to ₱100,000 (includes mortgage registration fees, documentary stamp tax, and notarial fees) |
| Low interest rates | 8.70% p.a. for car loans, 6.50% p.a. for home loans (minimum 3-year term) |
| Free first-year car insurance | From AXA Philippines for approved car loans |
| Promo period | Apply by October 15, 2025; book by October 31, 2025 |
Metrobank’s early rollout of these offers ensures clients can beat the holiday rush while making well-informed financial decisions. Applications can be conveniently submitted online via the Metrobank website or at any branch nationwide. By combining advocacy and attractive lending solutions, Metrobank is giving Filipinos the tools, mindset, and support they need to turn their biggest dreams into reality—long before the Christmas season arrives.
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