Private Hire Vehicle (PHV) Car Loan

Let Us Help You Get a Car To Drive

PHV Car Loan at a Glance

From*
3.28%
Interest Rate
Since 2000
100%
Approval Rate
As Fast As*
1-2 Days
Loan Approval
Up To*
10 Years
Loan Tenure
Up To*
100%
Financing

*Terms & Conditions apply.

Car loan interest rate offers at Speed Credit ranges from 1.68% – 6.68% and may vary based on vehicle type, loan type, loan amount, repayment period, past and present financial or credit status and other eligibility criteria. We cover various vehicle types such as normal cars, sports and exotic cars, commercial vehicles, Private Hire Vehicles (PHV), rental vehicles, COE cars, vans, lorries, trucks and buses — from light to heavy industry vehicles.

Car Financing Solutions Tailored for PHV Drivers

Get a PHV car loan from Speed Credit. Enjoy a lower interest rate for your Private Hire Vehicle, faster approval and processing time, and better loan terms.

Helping GrabCar and Gojek Drivers in Getting the Best Financing Options

Need a car to drive for GrabCar or Gojek but not having a car is something that is holding you back? There’s no need to worry as Speed Credit has tailored a new Private Hire Vehicle (PHV) Car Loan Scheme to help you with your auto loan needs.

Did you know that you can get as much as 20% savings when you buy your own car versus just renting it? If you decide that buying a car to drive for GrabCar is right for you, Speed Credit can offer you a few different PHV financing options. Whether you are looking to finance a Japanese or continental car, our PHV Car Loan can help you get the car that you want with the best possible car financing rate. We finance brand new cars, used cars, and COE renewal for cars to be GrabCar or Gojek ready.

More Than Just Financing

With our PHV In-House Car Loan, you will get an indicative quotation within 1-2 business days. With 50+ years of combined industry experience, Speed Credit can advise you on how to register a company to be legally accepted under GrabCar/Gojek. Apart from this, we can also provide the cheapest insurance which accepts GrabCar/Gojek and can retain your current NCD.

Speed Credit’s PHV Car Loan Scheme is also inclusive of full settlement service and LTA transfer service. We currently offer a 3.28% interest rate for PHV Car Loans. For a hassle-free service and further advice – fill out our enquiry form or email us today at loan@speedcredit.com.sg to know more about our PHV Car Loan Service!

Why Get a PHV Car Loan From Speed Credit?

Company Competence​

$1.7 Billion in Car Loan Transactions
50+ Years of Combined Industry Experience
Largest Network of Banks & Financial Institutions
Most-Reviewed Financing Company (650+ 5-Star Reviews)

Competitive Distinction

Lowest & Exclusive Car Loan Interest Rates
Direct, No Middleman & Mark-up Free Interest Rates
Highest Loan Approval Rate in Singapore
Fast, Transparent & Hassle-Free Serviced

Free Assistance & Services

Free Handling of LTA & Bank Transactions
Free Financing Advice & Paperwork Assistance
Free Full Settlement & Car Ownership Transfer Assistance
100% No Hidden/Additional Charges

Awards & Accreditations

SVTA
SVTA Accredited
SOE Awardee
Spirit of Enterprise (SOE) Awardee
HPFLAS Member
Member of the Hire Purchase Association, Finance & Leasing Association of Singapore (HPFLAS)
AEIA Member
Member of the Automobile Importer & Exporter Association Singapore (AIEA)

Procedure & Online Application for PHV Car Loan

Get a PHV Car Loan in 3 Easy Steps!

Step 1

Fill out our online application form or contact us at (+65) 6444 4400 or (+65) 9851 8281. Instructions and other requirements will be sent to you via email by our car finance expert. Please check your inbox or spam mail.

Step 2

Submit all the requirements and/or signed documents needed via email at loan@speedcredit.com.sg. You will also be advised on the next steps and/or other necessary instructions related to your application.

Step 3

You will be notified by our car finance expert via email and/or call regarding the status of your application.

Eligibility Criteria for PHV Car Loan

  • Applicants should be between 21 – 65 years of age
  • Singaporeans, Singapore PRs, Foreigners

Requirements for PHV Car Loan

Buyer

  1. Page 1 of Loan Application Form (1 Copy – Signed, Filled & Completed)
  2. Clear Copy of NRIC (Front & Back)
  3. Income Documents (Any of the Following):
    • Latest 12 Months CPF Contribution Assessment
    • Last 2 Years Notice of Assessment (NOA)
    • Latest 6 Months Computerised Payslip or Latest 3 Months Bank Statement if Self-Employed
  4. Sales & Purchase Agreement of Purchased Vehicle
  5. Copy of Enquire PARF / COE Rebate for Registered Vehicle

Seller

  1. Vehicle Log Card / Acknowledgement
  2. Clear Copy of NRIC (Front & Back)
  3. Authorization Form To Check Full Settlement (if Vehicle Is Still Under Financing)

Guarantor

  1. Page 2 of Loan Application Form (1 Copy – Signed, Filled & Completed)
  2. Clear Copy of NRIC (Front & Back)
  3. Income Documents (Any of the Following):
    • Latest 12 Months CPF Contribution Assessment
    • Last 2 Years Notice of Assessment (NOA)
    • Latest 6 Months Computerised Payslip or Latest 3 Months Bank Statement if Self-Employed

Buyer

  1. Page 1 of Loan Application Form (1 Copy – Signed, Filled & Completed)
  2. Clear Copy of Passport
  3. Clear Copy of Employment Pass
  4. Income Documents (Any of the Following):
    • Latest 12 Months CPF Contribution Assessment
    • Last 2 Years Notice of Assessment (NOA)
    • Latest 6 Months Computerised Payslip or Latest 3 Months Bank Statement if Self-Employed
  5. Sales & Purchase Agreement of Purchased Vehicle
  6. Copy of Enquire PARF / COE Rebate for Registered Vehicle

Seller

  1. Vehicle Log Card / Acknowledgement
  2. Clear Copy of NRIC (Front & Back)
  3. Authorization Form To Check Full Settlement (if Vehicle Is Still Under Financing)

Guarantor (Must be a Singaporean)

  1. Page 2 of Loan Application Form (1 Copy – Signed, Filled & Completed)
  2. Clear Copy of NRIC (Front & Back)
  3. Income Documents (Any of the Following):
    • Latest 12 Months CPF Contribution Assessment
    • Last 2 Years Notice of Assessment (NOA)
    • Latest 6 Months Computerised Payslip or Latest 3 Months Bank Statement if Self-Employed

Buyer

  1. Page 1 of Loan Application Form (1 Copy With Company Chop – Signed, Filled & Completed)
  2. Clear Copy of ACRA Document (Within 3 Months)
  3. Latest 3 Months Bank Statement
  4. Sales & Purchase Agreement of Purchased Vehicle

Seller

  1. Vehicle Log Card / Acknowledgement
  2. Clear Copy of NRIC (Front & Back)
  3. Authorisation Form To Check Full Settlement (if Vehicle Is Still Under Financing)

Guarantor (Director of Company)

  1. Page 2 of Loan Application Form (1 Copy – Signed, Filled & Completed)
  2. Clear Copy of NRIC (Front & Back)
  3. Income Documents (Any of the Following):
    • Latest 12 Months CPF Contribution Assessment
    • Last 2 Years Notice of Assessment (NOA)
    • Latest 6 Months Computerised Payslip or Latest 3 Months Bank Statement if Self-Employed

PHV Car Loan Interest Rate

Exclusive at
Speed Credit
From*
3.28%
Interest Rate
Other
Companies
From
3.98%
Interest Rate

*Terms & Conditions apply.

Car loan interest rate offers at Speed Credit ranges from 1.68% – 6.68% and may vary based on vehicle type, loan type, loan amount, repayment period, past and present financial or credit status and other eligibility criteria. We cover various vehicle types such as normal cars, sports and exotic cars, commercial vehicles, Private Hire Vehicles (PHV), rental vehicles, COE cars, vans, lorries, trucks and buses — from light to heavy industry vehicles.

PHV Car Loan Calculator (Monthly Repayment)

Use our PHV Car Loan Calculator to calculate or get an estimate of your monthly instalment repayments for your car.
$0
Monthly Repayment
Disclaimer: Interest rates are estimated and may differ based on credit evaluation and loan amount from banks and financial institutions. This Car Loan Calculator can only be used as a guide to help you to get a better sense of your potential monthly repayment commitments. It does not warrant the accuracy, adequacy or completeness of the figures presented. Speed Credit Pte Ltd explicitly disclaims liability for any possible errors or omissions.

PHV Car Loan FAQ

With effect from 01 January 2021, inspection at any LTA-authorised inspection centre is required before conversion of scheme. Online conversion and PHV decals must be affixed within 3 calendar days.
PHV cars are on the road a lot more than normal cars, thus are exposed to higher risks. Car conditions also deteriorate quicker due to wear and tear. Thus, interest rates are higher due to the higher risks and lower value of the car body.
Yes, the insurance premiums and excess are higher for PHV vehicles as compared to normal vehicles for the same reasons above.
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