Do you know which month is better to renew your car's COE? Rely on our years of experience - we will provide you with valuable info to make a decision on how to renew at the most opportune time for to maximize your benefit

We are confident of getting your loan approved. If your loan is not approved by the financial institutions we bring your case to, you will receive money back


Wee keep you updated of the various processes that are required and will inform you with documentary proof at each step, as they are completed, so you know you are well taken care of all the way till renewal is done!

Your car COE is near expiry! What should you do next?

Many of us in Singapore take good care of our cars and many of our 10-year-old cars are still in good condition. What should you do when your cars reach 10 years old? This is a common dilemma that many car owners in Singapore face.

You may be quite relieved to hear that you can get a COE renewal loan, and that there are ways to help you save on the Prevailing Quota Premium (PQP), which is the moving average of the COE prices that you need to pay to LTA, in order to renew COE.  Yes it’s technical and complicated and some people get confused. But we have assisted customers with renewals since before COE renewals became a mainstream choice, helping owners from since 2013 before COE renewals became a popular choice.

You really want only the best people to assist you with this – like every significant financial decision that is made, it could cost you if someone inexperienced handles the transaction for you! Renewing at the right time can save you thousands, and late renewals can cost you hundreds in late fees and late taxes!

The good news is, you only need to contact us to get our assistance! We can help you renew COE and arrange the renewal loan for you, while likely saving you cash by monitoring the PQP, and do all the tedious paperwork that is required for you!

Image showing COE PQP Loan customer

Save that road worthy car (or van or commercial vehicle) by renewing the COE. Pay the applicable COE PQP for your vehicle and you are good to stay on the road for the next 5 or 10 years!

We have done so many calculations for our customers – it will cost you less to renew the COE than purchasing a brand-new car, even with the increased maintenance and road taxes of a car greater than 10 years old! Many of our customers have remarked that with the savings in yearly depreciation, they can use the savings for a holiday!

Don’t wait any longer! If you have decided to renew the COE, the only question left is, do you renew for another 5-year or 10-year period, and what are the consequences if you choose one over the other? Click on the link to read more we hoep the info helps you to decide.

With the COE renewal PQP price not being an insignificant amount (PQP is not the same as current COE price) – you may wish to get a PQP loan to help in the financing and making the payment to the LTA. (You may like to check the latest COE PQP rates and PQP calculation here and from there consider if you would wish to apply for a loan)

But where can you go to get a loan for renewal? Which is the best bank loan for COE renewal? Well, the honest answer is – As far as we know, no bank that you approach directly for a COE loan will offer you a COE renewal loan.

However, this is where SG Cash N Cars can help you out.  We have successfully helped many car owners in Singapore secure financing of COE at a competitive loan interest rate, and you can depend on us to help you get yours too. We are not just saying we are the best, our customers think so too! Check us out on Facebook and Google Maps for reviews from those who have used our services – you can expect the same fuss free, smooth processing that they have experienced.

So Much Hassle To Renew COE!

With insurance, road tax, inspection, PQP payment & queuing at LTA all to be done about the same time, is it causing stress? No more worries about the many processes required, apply for renewal with us & just carry on driving!

People Who Have Trusted Us With Their Cars Say

Easy Process For COE Renewal Loan Application

Call us by pressing the green call button (during office hours), WhatsApp us (anytime) or leave us your number on the contact form at the bottom of the page to let us know how we can help you!

We only need your signatures on a few forms and copies of the below mentioned documents when we meet. Map to our address is at the bottom of this page.

Do bring along the following:

NRIC Identity Card

Proof of Income – this can be CPF contributions for 12 months or IRAS Notice of Assessment for latest two years

Vehicle Log Info – this is a letter with vehicle details from LTA when you first bought the car


Insurance Renewal Offer Letter – So we can search for search for lower cost insurance for you!

Driving License

For more information and frequently asked questions, click here.

COE Car Loan Is of Approved Type for Civil Servants

We only provide hire purchase (HP) car loans by registered finance companies, approved by the Monetary Authority of Singapore, that comply with the government’s regulatory requirement. We do not process personal loans, and so, civil servants may apply with us for their (HP) car loans with peace of mind and at no risk to their jobs.

Contact us…

By using the link above or calling (65)9278-2880, and leave us the following info for us to assist:

  • Car owner’s name
  • Owner’s NRIC or passport number used in registration of the vehicle
  • COE expiry date (we will give you priority if COE is expiring soon)
  • Write your request, e.g.: “COE renewal wanted”

Please help us to reach you sooner by leaving us your contact number – many of our customers do not receive our replies by email due to their spam mail settings, and this may delay us from reaching you on time for COE renewal.

Maximum Loan Tenure

For the COE loan, please note that we the longest loan period is for:

  • 7 years (84 installments) for a 10 year COE renewal
  • 5 years (60 installments) for a 5 year COE renewal

Ask us about our service to help customers monitor and save money on your COE renewal PQP. To find out more, you can reach us directly by calling Robin at (65)9278-2880 (please send by SMS after office hours & we will call you back, soon as possible) for more information on our competitive COE loan interest rates, minimum and maximum amount of loan, documents required to apply for the COE PQP loan and so on.

We are here to help you keep that which is worth keeping! Contact us today for the best COE renewal loan available in Singapore.

Image of a car pending COE renewal

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