Bank Auto Loan Recommendation Please

Hello, ito po ang mga rate offers ng banks sa akin. May maire-recommend pa po ba kayong bank na may mas maganda rate?

BPI: 24.57% for 5 years. All fees are free.

RCB: 26.82% for 5 years. Kailangan pa bayaran ang chattel mortgage fee doc stamp.

First time car owner. Salamat po!