Start your loan application.

Submit the application when you have your borrower profile and loan requirements ready for formal review — this includes details such as income documentation, vehicle particulars, and the loan amount you are targeting. Contact CoeLoans first if you are still evaluating loan types (e.g., COE loan vs. commercial vehicle financing), unsure of your eligibility, or need guidance on whether your situation is ready for a formal application. This distinction exists because a formal application triggers lender matching and preliminary credit checks, whereas an early conversation helps us point you toward the right product before any documentation is submitted. Taking the right first step avoids unnecessary credit bureau inquiries and ensures your profile is presented to MAS-licensed lenders in the strongest possible light.

The most effective starting details are the loan type you are seeking, the target financing amount, your required timeline, and the business or vehicle context behind the enquiry — for example, whether this is a first-time COE purchase or a refinancing of existing commercial vehicle debt. Including any existing quotes, in-principal approvals from other lenders, or hard deadlines (such as a COE expiry date) allows the broker to prioritise lender outreach and negotiate terms with a clear benchmark. The more complete the picture upfront, the fewer follow-up rounds are needed, which directly shortens the turnaround from enquiry to matched offer. As a free broker service, CoeLoans uses this information to filter and present your case only to MAS-licensed lenders whose lending criteria align with your specific profile.

No. Submitting the form initiates the broker's review and assessment phase, not a credit decision. CoeLoans organises your enquiry, verifies the supporting documents, and identifies which MAS-licensed lenders are best suited to your profile before presenting the options to you. The final credit decision — including the approved loan amount, interest rate, and repayment terms — rests solely with the matched lender after their own underwriting process. Understanding this distinction is important because it sets realistic expectations: the broker accelerates access to suitable lenders, but final approval requires the lender's formal credit assessment.