BPI auto loan approved but officer MIA — how long to get docs and PO?

Hoping to hear from anyone who's taken out a BPI auto loan through their Virtual Store (the online/remote loan officer setup, not a physical branch). Was your assigned loan officer responsive? How did the process go for you?

Here's my situation, roughly in order:

  • July 22: Submitted my auto loan application for a brand-new car through a dealership.
  • Aug 3: Received an SMS that my loan was approved. Got assigned to a Sales Officer
  • Aug 6: Got the loan computation, reviewed it, and confirmed my chosen payment option.
  • After that: Followed up several times by email asking for the next steps and the contract signing schedule. Most went unanswered.
  • Recently: Finally got a short reply saying the loan is still under promo and that they're "processing the PO and preparing the loan documents."
  • As of now: Still no actual loan documents, no Purchase Order (PO), and no signing schedule or timeline. Back to silence.

My questions:

  1. Timeline: For those who've done a BPI auto loan — how long did it actually take to receive the loan documents and the PO after approval? Is a wait like this normal?
  2. Unresponsiveness: The lack of communication is frustrating. What would you do to move this along? (I've already tried following up by email and I'm considering calling the contact center.)
  3. Rejection risk: Is there any chance an already-approved loan gets rejected or cancelled at this stage? Or once you're approved and under promo, is it basically locked in?

Appreciate any insight or shared experiences — just trying to figure out if this is normal BPI processing time or if I need to escalate harder. Thanks!

Posted Aug 13, 2026, 4:08 PM UTC

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