Car financing service

Flexible Finance
for Your Dream Drive.

We partner with leading banks and financial institutions to bring you competitive rates and effortless processing.

APPLY FOR FINANCING

Current Interest Rates

Credit TierNewUsed
Excellent2.28%2.78%
Very Good2.48%2.98%
Standard2.88%3.28%

Required Documents

Salaried

ID, 3 Months Payslip, Bank Statement

Business

ID, 2 Years Tax, Business Reg.

CAR LOAN

Ownership Simplified

The traditional way to own your car. The vehicle is registered in your name from day one, allowing you to build equity with every payment.

Full Ownership

You own the asset. No mileage restrictions.

Flexible Tenure

12 to 84 months repayment options.

Fixed Rates

Lock in interest rates to avoid fluctuations.

CHECK YOUR LOAN ELIGIBILITY
FINANCIAL LEASING

Smart for Business

Optimize your cash flow. Pay only for the usage (depreciation) of the vehicle rather than the full cost upfront. Perfect for companies and professionals.

Capital Efficient
Easy Upgrades
Tax Benefits
Maintenance Pkgs
GET A CORPORATE QUOTE

Buying vs Leasing

BuyingLeasing
Downpayment

High

10-30%

Low

~10%

Monthly

Full Value

Pay Principal + Interest

Full Value

Pay Principal + Interest

End of Term

Own Car

You keep the asset

Flexible

Return or Buyout

*Leasing payments are often tax-deductible as operating expenses.

PAYMENT CALCULATOR

Payment Estimator

RM2,200
60 Months

Your Estimated Monthly Payment

RM39.32/mo

This calculation is for illustrative purposes only. Actual interest rates and final installment amounts depend on credit profiles and bank policies.

GET OFFICIAL QUOTATION
OUR PARTNER NETWORK

Trusted Network Partner

HSBC
Citibank
Standard Chartered
DBS
UOB
JOURNEY OF FINANCE

How it Works

Submit Application

Choose your car and fill out our simple online form.

Document Review

Our advisors help you collect and submit documents to banks.

Approval & Delivery

Once approved, we handle the payment and deliver your car.

Finance consultation at CARBNS
FINANCE FAQS

Explore Our Finance FAQs

Find quick answers about financing your next vehicle with CARBNS. We're dedicated to helping you understand your options.

CHAT WITH US