Last reviewed: June 2026
Typically lower than bank and market rates.
We don't publish fixed rate tables — every quote is negotiated with the matched lender for your specific case. Your final rate depends on the lender, your profile, the vehicle, and the loan amount.
COE loan financing at a glance.
Matched quotes typically come in below advertised bank and market rates. Borrowers with stronger profiles tend to receive the sharpest pricing.
| Loan Type | Repayment Term | What affects your quote |
|---|---|---|
| COE Loan (Cat A/B) | 12–60 months | Quote depends on borrower profile and the matched lender. |
| COE Loan (Cat C) | 12–60 months | Commercial vehicle COE quotes may differ from passenger car quotes. |
| COE Renewal (5-year) | 12–60 months | Lower financing amount since only 50% of PQP is required. |
| COE Renewal (10-year) | 12–60 months | Full PQP amount applies. Higher total financing than 5-year route. |
Commercial vehicle financing at a glance.
Business vehicle financing quotes depend on the vehicle type, borrower entity structure, and purpose of the financing — and typically come in below advertised bank rates.
| Loan Type | Repayment Term | What affects your quote |
|---|---|---|
| Commercial Vehicle (new) | 12–60 months | Quote and LTV depend on vehicle type and borrower profile. |
| Commercial Vehicle (used) | 12–60 months | Used vehicles may be quoted on different parameters. |
| Fleet / Multi-vehicle | 12–60 months | Fleet size and business profile influence the final quote. |
Estimate your monthly repayment.
Adjust the loan amount, rate, and tenure to see how your repayment changes.
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How our pricing works.
We do not publish fixed or representative interest rates, because every quote is specific to the borrower and the matched lender. In our experience, matched quotes typically come in lower than advertised bank and market rates — but no rate is pre-approved or guaranteed. Your actual rate will depend on multiple factors including the lender's assessment of your financial profile, the vehicle type and age, loan amount, and repayment term.
We encourage all borrowers to compare the full quote — not just the rate — including the repayment schedule, disclosed charges, early-settlement terms, and lender identity. Before signing with any lender, verify its status on the Registry of Moneylenders list.
CoeLoans is a loan broker, not a direct lender. We may receive a referral fee from matched lenders. There is no charge to borrowers for our brokerage service.