Used car loans in Kuching: full loan, no deposit

Yes, most of our approved buyers get a full loan with no deposit. We submit your application to the most suitable lender (Maybank, CIMB, Hong Leong, Public Bank, AEON Credit or Chailease), which usually finances up to 90%. Tiger Capital then finances up to 20% of the car price to cover the 10% downpayment plus your insurance and road tax. The final result depends on your approved amount and credit scoring.

No, Tiger Capital is not loan kedai. A bank usually finances 90% of the car price, which leaves a 10% downpayment. Tiger Capital finances up to 20%: enough to cover that downpayment and also your insurance and road tax, so the whole purchase becomes a full loan with nothing to pay upfront. Your main car loan always comes from a bank or licensed financier (AEON Credit or Chailease). 350+ buyers have been financed through Tiger Capital, with RM2.2 million+ in downpayments disbursed.

Maybank, CIMB Bank, Hong Leong Bank, Public Bank, AEON Credit and Chailease. We choose where to submit based on your profile, which gives you the best chance of approval. Public Bank has the strictest requirements, so fewer buyers qualify there.

Up to 3 working days after we receive all your documents. It can take longer if there are credit scoring issues or if the lender can't reach you for verification, so keep your phone on after submitting.

The maximum tenure is 9 years. Banks charge about 3.5% flat and finance cars up to 15 years old at the end of the loan. AEON Credit rates depend on the brand and the car's age: for Perodua and Proton, about 5.28% up to 5 years old, 5.58% at 6 to 10 years, and 9.1% (Perodua) or 9.9% (Proton) at 11 to 16 years; Japanese makes are lower, from about 3.99%. AEON finances cars up to 17 years old at the end of the loan and not older than 16 today. Chailease charges about 9% and finances cars up to 17 years old at the end of the loan (16 for Proton). For example, a 7-year-old car can get up to 8 years with a bank, but 9 years with AEON or Chailease. These are the estimates we quote; your actual rate is set by the lender.

It depends on the price, tenure and lender. As an example, a RM35,000 car that is under 10 years old, with 90% financed by a bank over 9 years at 3.5% flat, works out to about RM384 a month. Every car page on our site shows an estimate for bank, AEON Credit and Chailease.

Yes. Our online eligibility check asks only for basic information and needs no documents. For an actual approval, we submit your documents to the lender.

Your IC (front and back), 3 months' payslips, and either your EPF statement or 3 months' bank statements showing your salary. Your driving licence (front and back) is optional. Some lenders also ask for an employment confirmation letter from your HR, so it helps to have one ready.

Your IC (front and back), driving licence (front and back), trade licence, business registration (sole proprietorship, partnership, Sdn Bhd or Berhad), and 6 months' company bank statements. An unregistered business can't be submitted for a car loan.

Yes. We need the company extract (SSM), company licence, trade licence, the director's IC and driving licence, and 6 months' company bank statements.

Yes, with all four documents: your IC (front and back), pension card (front and back), pension statement, and 3 months' bank statements. If you are 56 or older, you will also need a guarantor, as lenders only finance applicants over 55 who have a fixed monthly income and a guarantor.

You can apply for a car loan from 18 up to 55 years old. From age 56, a loan is only possible if you have a fixed monthly income, such as a pension, and a guarantor who signs with you.

Yes. You don't need a driving licence to buy a car or apply for a car loan. Banks require a full licence, but AEON Credit and Chailease accept applicants with no licence or with only an L licence, so we submit your application to them instead.

Yes, if your employer deducts EPF. Your EPF statement is accepted as proof of income even when your salary is paid in cash. If you have neither EPF deductions nor bank statements showing your salary, we can't submit an application.

Yes. Include your offer letter or appointment letter as proof of employment along with your other documents.

Unfortunately not. Our lenders don't currently accept part-time work, contract work, staff on probation, Grab drivers or part-time delivery riders (such as Shopee) for car loans.

It depends on what the record is and how much. Small CTOS records (generally under RM2,000) are assessed case by case, and some are still approved. We can't check your CTOS for you, but we can submit your application and the lender will tell us whether it affects approval.

No. A CCRIS blacklist (credit card, personal loan, PTPTN, housing loan or motorcycle loan), a Special Attention Account (SAA), an AKPK programme or bankruptcy will not be approved by our lenders.

Usually not. We submit your application without a guarantor first, and only if the lender asks for one will we let you know. The exception is applicants aged 56 or older: they need a fixed monthly income, such as a pension, and a guarantor.

No. The reference details are only for the lender's records, and they won't call your family references.