Same-Day
Typical broker response
Zero Fees
Free brokerage service
MAS-Linked
Licensed lender network
5-60 Months
Flexible repayment terms
Loan brokering for Singapore vehicle owners
We do not lend directly — we connect you with lenders who match your profile. Our service is free, transparent, and designed to save you time and money.
COE Loans
Renew your COE without draining your savings. We help Singapore borrowers compare Cat A, B, and C renewal financing from matched lenders — with transparent quotes and clear next steps.
- Up to 100% COE renewal financing
- Cat A, B, and C — all categories covered
- Repayment from 12 to 60 months
Commercial Vehicle Loans
Financing for lorries, vans, HGVs, buses, and fleet vehicles. Whether you are expanding your fleet or replacing a vehicle, we connect you with lenders who understand commercial operations.
- Lorries, vans, HGVs, buses, specialised
- Terms from 12 to 84 months available
- Sole proprietors, SMEs, and fleet operators
What does a loan broker do — and why use one?
A loan broker acts as your intermediary. Instead of approaching individual banks or lenders one by one — and risking multiple credit enquiries — we assess your profile once and match you with lenders from our network whose criteria fit.
For Singapore COE and commercial vehicle borrowers, this means: one application, multiple matched options, and a broker who explains the differences between each quote before you decide. We do not charge you for this service — our fee comes from the lender if you proceed.
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Save time and avoid rejection chains
Each direct application is a credit enquiry. A broker pre-matches you to reduce unnecessary hits on your credit report.
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Compare structured quotes side by side
We present matched offers in a clear format — term length, monthly repayment, total cost, and fees — so you compare apples to apples.
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Access lenders that match your specific profile
Different lenders favour different borrower profiles. We know which lenders are best for self-employed applicants, new businesses, or borrowers with specific vehicle types.
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You need a COE renewal loan above S$50,000
High-value renewals benefit from having multiple quotes compared — the broker handles the legwork.
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You are self-employed or have variable income
Some lenders prefer salaried borrowers. We know which lenders consider self-employed profiles and NOA-based assessments.
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You are financing a commercial fleet vehicle
Business vehicle financing involves different criteria than personal loans. We match you with lenders experienced in commercial lending.
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You want clarity before commitment
We explain each quote, the terms, and the fees before you sign anything. No pressure, no rushed decisions.
Singapore's straightforward loan broker.
We do not sell loans. We help you understand, compare, and choose with confidence.
Same-day response
Submit your details and hear back quickly. We do not leave you guessing when time matters, especially around COE renewal deadlines.
Clear, itemised quotes
Every quote includes the principal amount, repayment schedule, interest rate, and all disclosed fees. No hidden charges, no surprises.
Flexible repayment terms
Matched lenders commonly offer repayment windows from 12 to 60 months for COE loans and up to 84 months for commercial vehicles, depending on your profile.
Broker-led guidance
We help you compare matched lender options, explain the quote structure, and guide you on what to verify before signing. The decision is always yours.
Apply from anywhere
Fill in our short online form or reach out via WhatsApp. No need to visit our office for the initial consultation — we handle the process remotely.
Direct support
Speak with our team directly by phone or WhatsApp while you review your options. We are available 7 days a week, 9am to 9pm.
COE prices remain high — planning your renewal financing matters
As of mid-2026, COE prices across all categories remain elevated. Category A (cars up to 1,600cc) has hovered around S$97,000, while Category B (above 1,600cc) has reached approximately S$110,000. Category C (commercial vehicles) sits around S$68,000.
Paying these amounts upfront is not realistic for most households. A COE loan allows you to spread the cost over manageable monthly instalments — often at lower effective rates than using credit cards or personal lines of credit.
As a broker, we help you compare financing options across matched lenders, so you understand the full picture — monthly payment, term length, total cost — before you commit.
Cat A: S$97,000 • Cat B: S$110,000 • Cat C: S$68,000
Source: LTA. PQP is the 3-month moving average of successful COE bids.
Real feedback from real borrowers.
"CoeLoans helped me compare COE loan options quickly. The broker explained the quotes clearly and I found a repayment plan that worked for my budget."
— Borrower
COE Loan
"I was unsure about the paperwork needed for commercial vehicle financing. The team helped me understand what documents to prepare and matched me with a suitable lender."
— Business Owner
Commercial Vehicle
"The process was straightforward. I submitted my details and heard back the same day. The broker walked me through the quote and I knew exactly what I was signing."
— Borrower
COE Renewal
Get matched with lenders in 4 simple steps
From application to disbursement — here is how our broker process works.
Apply online
Fill in our short form with your vehicle details and loan amount. It takes about 3 minutes. We only need the basics to start matching you with lenders.
Review your options
We review your profile, match you with suitable lenders from our network, and present the quotes in a clear, itemised format. We explain the differences between each option.
Verify & decide
Check the lender on the Registry of Moneylenders, review the full terms, and choose the offer that works best for you. No pressure. No rush.
Lender completes
Once you decide, the matched lender handles the final agreement and disbursement directly. We remain available if you have follow-up questions.
Ready to start? No fees, no obligation, no commitment required.
Start My Free ApplicationQuestions Singapore borrowers often ask
What exactly does CoeLoans do?
How much can I borrow for a COE loan?
Does using a broker cost me anything?
What documents do I need to apply?
How fast will I hear back?
What should I check before signing a loan agreement?
Can I repay early without penalty?
What is the difference between CoeLoans and a bank?
Have more questions? Visit our full FAQ page or ask us on WhatsApp.
Ready to find your best loan option?
Free to apply. No obligation. Same-day response in most cases.
Before signing with any lender, verify its status on the Registry of Moneylenders. CoeLoans — 45 Jln Pemimpin, #01-03A, Singapore 577197.
Read these guides before you compare loan offers
Our guides explain how to compare quotes, verify lenders, understand COE renewal, and choose between broker and direct bank financing. Written for Singapore borrowers.
Resource
Compare COE Loan Offers
Review term length, total structure, and disclosed charges side by side before deciding.
Resource
Broker vs Bank Financing
Compare speed, support, and quote transparency for COE borrowers weighing their options.
Resource
Commercial Vehicle Checklist
Prepare the right documents and business context before you request financing quotes.
Resource
Verify a Lender Before Signing
A trust checklist to review before accepting any loan agreement or quote.
Need the full list? Explore all 6 borrower guides.