Ready to leave the passenger seat and take the wheel? Whether you want to make your commute easier, enjoy solo drives and weekend getaways, or avoid the hassle of waiting for a ride, becoming a first-time driver is a milestone that brings both freedom and responsibility. From securing your first car to learning the basics of car care, PSBank offers simple solutions to help you start strong and drive with confidence.
Starting the Driving Journey
The first step is completing the Land Transportation Office (LTO) Theoretical Driving Course. This 15-hour seminar covers driving basics and road safety and can be taken online or in a classroom through accredited schools. After passing the exam, you can apply for a student permit.
Once you have your permit, prepare for the written and practical tests to earn your driver’s license. Online reviewers and practice exams help you build knowledge and confidence. Schedule your medical exam and license application before your permit expires to avoid delays. For detailed requirements, always refer to the official LTO website. Following this process moves you from learner to licensed driver.
Choosing the Right First Car
Selecting your first car should match your lifestyle. For daily city driving, hatchbacks and sedans provide efficiency, comfort, and easy maneuverability. Families or drivers who need extra space may benefit from MPVs or crossovers. For rougher roads, SUVs with higher ground clearance offer versatility and capability.
To help with decision-making, PSBank provides an online Loan Calculator where you can check downpayment and monthly amortization estimates. Once you decide, applying for a PSBank Auto Loan Online takes only minutes, with loan approvals possible in as fast as 24 hours.
For cost-friendly alternatives, PSBank also offers pre-owned vehicles. You can browse listings online or visit the PSBank Pre-Owned Auto Mart located at 8003 Lands R Us Realty Compound, Manalac Ave., Bagong Tanyag, East Service Road, Taguig City. Viewing is available from Monday to Saturday, 8:00 a.m. to 4:30 p.m.
Learning Car Care and Responsibility
Car ownership involves more than driving. Understanding dashboard indicators, hazard lights, and defoggers is essential. Having proper insurance protects you from unexpected costs. Responsible driving means staying alert, following traffic rules, and maintaining safe distances on the road.
Basic upkeep is equally important. Regularly check tire pressure, know how to jump-start a battery, and follow routine maintenance schedules. These habits keep your vehicle reliable and extend its lifespan.
PSBank makes managing auto loan payments simple. You can pay through PSBank Mobile, PSBank Online, over the counter at any branch, or at partner outlets such as 7-Eleven. For convenience, you can also set up an Automatic Debit Arrangement (ADA) from your PSBank savings account. Opening an account is quick using the PSBank app, requiring just one valid ID and a selfie for verification.
Borrowers also benefit from the Prime Rebate feature, which rewards advance or excess payments with automatic rebates. This reduces the total loan amount, shortens the term, or both.
Driving Safely on the Road
Safety is a non-negotiable part of driving. Always wear a seatbelt, avoid distractions like mobile phones, and obey traffic signs and speed limits. Plan routes ahead of time or use navigation apps when heading to unfamiliar places. Patience and calm driving protect both you and others on the road.
Vehicle maintenance should follow the manufacturer’s recommended Periodic Maintenance Schedule. Have servicing done only at authorized franchise dealers to preserve warranty coverage. For added protection, use genuine parts and accessories installed by certified mechanics.
For smoother travel, equip your vehicle with AutoSweep or EasyTrip RFIDs for cashless toll payments. These can be reloaded anytime using PSBank Mobile.
PSBank as a Trusted Partner
Buying your first car is exciting, but financing can be challenging. PSBank offers flexible Auto Loan options designed to make ownership easier for first-time drivers. Whether you need quick approval or guidance on the financing process, PSBank provides the support you need to focus on the road ahead.
If you are ready to take the first step toward car ownership, PSBank is your partner. Apply for a PSBank Auto Loan online or visit the nearest PSBank branch. For details, go to www.psbank.com.ph or follow PSBank on Facebook.
