New car
Hire purchase on a new car, through the dealer you buy from.
- Up to 70% financing, or 60% above S$20,000 OMV
- Up to 7 years
- In-house, or a bank we arrange
Golden Charter. Built to move.
Hire purchase for cars, fleets and dealer stock. We lend in-house, so we make the call. Where a bank suits you better, we arrange that too.
Hire purchase
For every stage of owning a car. New, used, COE renewal, refinancing.
In-house and bank
We lend in-house, so we make the call. Where a bank suits your case better, we arrange it. You see both before you choose.
Consumer, fleet, dealer
From one private car to a PHV fleet to a showroom of stock. One credit desk for all three.
Singapore
COE, OMV, ARF, PQP. The rules that set your loan are the ones we work with every day.
Know your numbers before you commit.
Monthly instalment84 instalments
S$
/ monthfor 7 years at 3.00% flat
- Financing amount
- S$270,000
- Downpayment
- S$180,000
- Total interest
- S$56,700
- Total repayment
- S$326,700
S$
Car
Financing up to 60%
60%
7 years
Illustrative rateTo provide: your published rate
Every instalment, split
PrincipalInterest
Interest is front-loaded under the Rule of 78. Tap or point at a month to see its split.
Apply with these numbers
Send on WhatsApp
Indicative. Flat rate on the financed amount over the full tenure. Car hire purchase is limited to 70% financing for cars with OMV of S$20,000 or less, 60% above that, and 7 years. PHV cars in Z or R class: up to 90%. All financing is subject to approval.
Every way to finance a car.
Private cars, fleets and dealer stock, on one road.
Used car
Hire purchase on a used car, with the tenure set against its remaining COE.
- Up to 70% or 60%, by OMV
- In-house, or a bank we arrange
COE renewal
Finance the PQP and keep the car you know.
- 5-year or 10-year renewal
- In-house, or a bank we arrange
Refinancing
Move an existing hire purchase loan. Bring your current agreement and compare.
- Current and new instalment, side by side
Balloon
Lower monthly instalments, with a larger final payment.
Get my rateEV
Hire purchase on electric and hybrid cars, new and used.
Get my ratePHV
For cars used for private hire.
- Up to 90% financing, Z or R class
- In-house, or a bank we arrange
Fleet
One relationship for operators financing several vehicles.
Get my rateDealer floorstock
Revolving facilities for motor dealers. Draw per car, repay on sale.
Speak to Dealer DeskFrom quote to keys.
- 1
Send us the car and the amount.
- 2
Share your identity, licence and proof of income.
- 3
We assess in-house and bank, side by side.
- 4
You get the offer in writing.
- 5
Sign, and collect the car.
Capital that keeps inventory moving.
Capital
A revolving facility, set for your dealership.
Illustration of a floorstock cycle. No figures.
| Facility | Revolving floorstock line |
|---|---|
| Drawdown | Per vehicle, as stock is bought |
| Repayment | From the sale of each vehicle |
| Limits, advance and eligibility | To provide: the terms you will publish |
Speak to Dealer Desk
Tell us about your showroom, the stock you carry and how fast it turns. We will come back with a structure.
Speak to Dealer Desk To provide: Dealer Desk direct contactOn record.
- Company
- Golden Charter Pte Ltd
- UEN
- 201529252Z
- Incorporated
- 2015
- Registered office
- 3 Ang Mo Kio Street 62, #02-17, Link@AMK, Singapore 569139
Before you sign.
How much can I borrow?
Up to 70% of the purchase price if the car's OMV is S$20,000 or less, and up to 60% if it is above. These are the legal limits for private car hire purchase. For PHV cars in Z or R class, up to 90%.
How long can the loan run?
Up to 7 years. For a used car, the tenure is set against its remaining COE.
What is the difference between in-house and bank financing?
In-house, we lend our own capital and make the credit decision. Bank financing is a loan from a bank that we arrange for you. We assess your case both ways and show you the numbers side by side.
Can you finance a COE renewal?
Yes. We finance the Prevailing Quota Premium for a 5-year or 10-year renewal.
Do you finance dealers?
Yes. Dealer Desk provides revolving floorstock facilities for motor dealers. Speak to Dealer Desk.
Get my rate.
Send the car and the amount. We assess in-house and bank, and come back to you with the numbers.
- Phone
- To provide: main phone number
- To provide: WhatsApp number
- Office
- 3 Ang Mo Kio Street 62, #02-17, Link@AMK, Singapore 569139
- Hours
- To provide: opening hours