COE Renewal Loan Guides & PARF Insights in Singapore

Independent, practical articles about COE renewal, PARF financing, rates, and avoiding common pitfalls.

Latest Guides

We analyse real offerings in the market and explain trade-offs in plain English — so you can make a better decision, fast.

Bank COE Loans vs Independent Brokers

Banks offer headline rates, but approvals can be stricter and timelines longer. Brokers compare multiple licensed lenders and can handle lower-credit cases — often at a similar or better effective rate after fees.

8 min read • COE Renewal

Dealer In-House Financing: Pros, Cons & Hidden Markups

In-house loans feel convenient, but watch for bundled admin fees, inflated instalments, or prepayment penalties. Here’s a checklist to compare against independent offers.

6 min read • Buyer Beware

PQP Explained: How COE Renewal Amounts Are Calculated

We break down the Prevailing Quota Premium, how it’s derived, common timing mistakes, and how financing structure affects your total interest paid.

7 min read • PQP & Timing

Bad or Low Credit? Getting Approved for a COE Loan

Approval is still possible with thin files or past late payments. Learn what lenders look for and which documents to prepare to speed things up.

5 min read • Credit Tips

PARF vs COE Renewal: Which Is Better for You?

Compare total cost of ownership, monthly outlay, and resale value scenarios when choosing between buying a PARF-eligible car and renewing your COE.

9 min read • Strategy

Scrap Value & PARF: Financing the Gap Safely

How scrap value interacts with loan structures, what paperwork to expect, and how to avoid common “too good to be true” offers.

6 min read • PARF Financing

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