Why We Provide The Best COE Renewal Loans In Singapore


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.

See Latest COE News & Prediction Here! And Follow Us on Facebook for the Coming Month's Predictions!


We are 100% confident of getting your loan approved. If we cannot get your COE renewal loan approved, get your money back!


We 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) through our PQP monitoring method, 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 more 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!

Car Love COE Renewal PQP Loan customer

Renew the COE Save That Road Worthy Car (or Commercial Vehicle)

Paying the applicable COE PQP for your vehicle and you are good to stay on the road for the next 5 or 10 years! And it is not difficult, with our help!

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.

More about Commercial Vehicle Renewal.

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!

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

Bought the 335 from sg cash n cars under consignment. Robin is very fair and handles well.

Wilson Ong Avatar Wilson Ong
August 7, 2015

I have rented from some companies previously, I must say, SG Cash N Cars provides top notch service. From discussions all the way to the day of handing over the car, Robin and the company have been accommodating and patient with my requests and queries. He has taken great lengths to ensure that the car is in the best condition it could be before handing over the car to me. Transparency is also one of the factor I have a very good impression about the company and Robin. They hold true to their words, no hidden costs. Everything was laid on the table for me to review and question. Even during the days leading to the handing over of the car, Robin has shared with me photos of the car being serviced, cleaned, etc. SG Cash N Cars had changed my perception about car rental companies. I will not hesitate for a second to recommend the company to any keen, serious person thinking about renting a car from the company. Kudos to Robin and SG Cash N Cars. I'm having a great experience driving the car around the island. All thanks to Robin and SG Cash N Cars. Good job.

Elwayne Tan Avatar Elwayne Tan
December 26, 2014

Just renew my Coe with cash n cars. Whole process is hassle free. Very satisfied with their service.

Tian Hui Tea Avatar Tian Hui Tea
July 23, 2018

Bought the Vezel from Robin, he has been very attentive and patient in answering my queries. Though there were some hiccups on the delivery, he is not pushing away and went the extra miles to help recover the position. At the end, a happy Vezel owner giving a review here. Pricing is not the best, but definitely reasonable. The whole process has been very transparent. Thank you, Robin.

Loon Keong Avatar Loon Keong
February 27, 2016

positive review  Great job and advice given from this wonderful couple Robin and jasmin... for helping me on my Coe renew... Two thumbs up... Very happy with their friendly and professional attitude... Well done....

Rannie Meng Avatar Rannie Meng
September 27, 2019

Excellent service..strongly recommend everyone to appeoach them. Staff is very friendly, approachable and caring. Very rare to find these days. I will definetly recommend them to everybody. I can proudly say they really are the best!

Light Light Avatar Light Light
May 22, 2018

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