Tailor-Made Car Purchase
Packages Just for You
Drive away with interest rates just 0.98% p.a.
Tailor-Made Car Purchase
Packages Just for You
Drive away with interest rates from just 0.88% p.a.
What We Offer
Being aware of your credit score may allow you to negotiate a better rate
with some lenders.
What We Offer
Being aware of your credit score may allow you to negotiate a better rate
with some lenders.
Wide Range of Vehicle Options
Explore both brand-new and quality pre-owned cars from trusted brands like Honda, Toyota, Mazda, MG, BMW, and more — all curated to match your lifestyle and budget.
Best-In-Market Interest Rates
Secure financing from our panel of reputable banks and financial partners, with car loan interest rates as low as 0.90% p.a. — among the most competitive in the market.
0 Downpayment & Full Loan Available
Enjoy up to 100% loan approval with $0 downpayment options, making car ownership more accessible than ever.
Lightning-Fast Loan Approval
Submit your application with SingPass MyInfo, and get loan approval within 1 hour — no unnecessary delays.
Seamless Digital Paperwork
Say goodbye to tedious paperwork. We digitise the entire process, from application to agreement, for your convenience.
Open to All Car Owners
Whether you purchased your car from us or elsewhere, our financing and service packages are open to all drivers in Singapore.
We support car loans for most major brands in Singapore — including Honda, Toyota, Nissan, Mazda, Kia, Lexus, Suzuki, MG, BYD, Mercedes-Benz, BMW, Audi, Lamborghini, and more…
Car Loan Interest Rates in Singapore (2026)
Understanding your financing options matters more than most buyers realise. A difference of just 0.3% p.a. can add up to thousands of dollars over your loan — and the right structure can make owning a car far more accessible than you’d expect.
Key MAS Rules to Know (Bank Loans)
- Borrow up to 70% of the car price if OMV ≤ $20,000; up to 60% if OMV > $20,000
- Maximum loan tenure: 7 years
- Total monthly debt repayments cannot exceed 55% of gross monthly income (TDSR)
We Offer More Than Just Bank Loans
Most buyers only know about bank financing — but that’s just one option. At Royal Motor Grandeur, we go further:
✅ Bank Loan — competitive rates across multiple banking partners
✅ 0% Downpayment — drive away without a large upfront cash commitment, on selected models
✅ Up to 10-Year Loan Tenure — spread your repayments further to keep monthly instalments low
Whether you’re working with a tight budget, want to preserve your cash flow, or simply want the lowest possible monthly payment — we’ll find a structure that works for your situation.
Talk to us today and we’ll walk you through all available options, no obligation.
Flat Rate vs. EIR — Know the Difference Banks quote flat rates, but the Effective Interest Rate (EIR) reflects your true borrowing cost. Always compare EIR when evaluating packages.
Why Choose Us?
Royal Motor Grandeur are more than just a car dealer—we’re your one-stop solution for a stress-free car ownership journey. From recommending the right vehicle to securing bank loans with 0% downpayment and fast approval, we take care of everything so you don’t have to.
Whether you’re eyeing a sleek sedan or a family SUV, we’ll arrange the perfect purchase package—selecting the right model, negotiating the best price, and securing competitive interest rates on your behalf. No dealership pressure, no hidden fees: just a seamless end-to-end car buying experience.
As a CaseTrust-accredited company, we’re committed to honest pricing, transparent processes, and delivering a buying experience you can trust—no hidden fees, no pressure, just peace of mind.
Our Awards
Why Choose Us?
Whether you’re eyeing a sleek sedan, a family SUV, MPV, or PHV, we’ll arrange the perfect purchase package—selecting the right model, negotiating the best price, and securing competitive interest rates on your behalf. No dealership pressure, no hidden fees: just a seamless end-to-end car buying experience.
What can we
help you with?
What can we help you with?
Tell Us Your Preferences
Choose make, model, budget, and any must-have features.
Receive Tailor-Made Quotes
We’ll send you side-by-side offers covering price, interest rate, and repayment plan.
Confirm & Drive Away
E-sign with SingPass, settle any down-payment, and collect your keys at your convenience.
What can we help you with?
Tell Us Your Preferences
Choose make, model, budget, and any must-have features.
Receive Tailor-Made Quotes
We’ll send you side-by-side offers covering price, interest rate, and repayment plan.
Confirm & Drive Away
E-sign with SingPass, settle any down-payment, and collect your keys at your convenience.
Tell Us Your Preferences
Choose make, model, budget, and any must-have features.
Receive Tailor-Made Quotes
We’ll send you side-by-side offers covering price, interest rate, and repayment plan.
Confirm & Drive Away
E-sign with SingPass, settle any down-payment, and collect your keys at your convenience.
what others are saying
Recommendations and reviews from our clients
All reviews
Trustindex verifies that the original source of the review is Google.
Excellent Service by Vincent! I would like to express my sincere appreciation to Vincent for his outstanding service throughout my car purchase journey. What truly impressed me was his persistence, patience, and professionalism. He was never pushy, always willing to take the time to explain things clearly, address my concerns, and ensure that I was comfortable with my decision. His dedication, positive attitude, and willingness to go the extra mile made the entire experience smooth and pleasant. It's rare to come across a salesperson who demonstrates such genuine commitment to customer satisfaction. Vincent's persistence was never about pressuring me into a sale, but about ensuring that I received the right assistance and support. Thank you, Vincent, for your exceptional service and dedication. Your hard work and professionalism certainly deserve recognition. I would highly recommend Vincent to anyone looking to purchase a car! Keep up the excellent work! 👏🚗I had a really great experience with the service provided. The sales is Rina.Her service was excellent from start to finish, and I was very impressed with how professional, friendly, and helpful the team was throughout the entire process. She were always quick to reply to my messages and very patient in answering all of my questions. No matter how many questions I had, they took the time to explain everything clearly and made sure I fully understood the details before making any decisions. Their responses were prompt, and I never felt like I was being ignored or left waiting for an answer. What I appreciated most was that they were approachable and easy to communicate with. Buying a car can be a stressful and complicated process, but their good attitude and excellent customer service made the whole experience much smoother and more comfortable. I also felt that they genuinely cared about providing good service rather than simply focusing on making a sale.Purchasing a car can be a big decision, but the whole experience was made easy and pleasant thanks to the excellent service provided. The salesperson was patient, honest, and attentive to my needs. I truly appreciate the guidance and support throughout the process. Thank you for making my car purchase such a positive experience! Thank Mr jing kai+0Recently purchased a Honda WR-V and was served by salesperson by the name Alvin Wong. From start to end, Alvin has been professional in ensuring I got my car on time as promised. His dedication, honesty, knowledge and flexibility is an admiration and role model for others to envy upon. Keep up the hard work and for those looking for a smooth, efficient transaction I would strongly recommend Alvin Wong as your preferred and 1st option salesperson..🎊🎉I just took delivery of my brand new Honda WR-V from Royal Motor Grandeur, and I couldn't be happier with the entire experience, all thanks to Wade! 😊🙌 From my initial inquiry all the way to the key handover, Wade provided top-notch service. He was extremely knowledgeable, patient, and transparent, taking the time to answer all my questions and keeping me updated every step of the way. His professionalism made what can often be a complex process completely smooth, quick, and stress-free! 👌💯 If you're looking for a hassle-free, top-tier car buying experience, I highly recommend reaching out to Wade at Royal Motor Grandeur. You’ll definitely be in great hands! Thank you so much, Wade, for the stellar service! 🎉🔑🚗+0I would like to give a big shout-out to Vincent Chee! 👏🏻😊 I was looking for Alphard, Vincent came and approached me when i passing by their office. He was very professional, friendly, and humorous throughout the entire car-buying process. He made everything smooth, easy, and stress-free, and was always patient in answering my questions. His excellent service and positive attitude made the whole experience enjoyable! Really appreciate his help and dedication. If you’re looking to buy a car, I would definitely recommend Vincent Chee. You’ll be in good hands! 👍🏻🚗 Highly recommended! ⭐⭐⭐⭐⭐⭐⭐⭐⭐⭐ I recently purchased the MG S5 EV Luxury from Royal Motor Grandeur, and I’m very happy with the overall experience! Angela and Ah Zhe provided excellent service and were very helpful throughout the entire process. Royal Motor truly delivers what they promise, especially with their One Bid COE guarantee. Even when there were some issues with the loan application, Angela and Ah Zhe did their best to assist and find solutions to help me get my dream car. Their patience, professionalism, and commitment to customers really impressed me. They didn’t give up when things got challenging and made sure to support me every step of the way. Highly recommend Royal Motor Grandeur, especially Angela and Ah Zhe, for their excellent service and genuine customer care. Thank you for helping me drive home my dream car! 🚗❤️+0I would like to give a big shout out to Vincent Chee!!! He was very professional, patiently and friendly in providing details of car recommendations when we are there. We have decided bought Alphard. The whole process is very comfortable, smooth and easy. No hard sell from him. Have a very good experience with him. Really appreciate his help and dedication. If you are looking for a car, just look for him!!! Highly recommend Vincent Chee ⭐️Awesome experience purchase a brand new Yaris Cross from Royal Motor Grandeur, appreciate to Maggie and Kylee willing go further extra mile for us. Despite the hike of COE, by a few thousand we still have gotten our car with no issue and gotten a good price for my trade in & my new car! Transparent deal. Will recommend them to all my friends/family to buy from them.Had a really smooth and pleasant experience purchasing my car through Sky. From the start, everything was explained clearly and the pricing was very transparent with no hidden surprises. Sky was patient, polite and helpful throughout the entire process, and he really did his best to secure a great deal for us. Everything was handled professionally and the whole purchase felt easy and stress-free. Would definitely recommend looking for Sky if you’re planning to purchase a car!recommendsTrustindex verifies that the original source of the review is Facebook.
Recently bought a Honda Vezel E-HEV 1.5X from Kenny at Royal Motor Grandeur, Ubi Branch, and I’m very happy with the overall experience. The 1 bid guaranteed COE with no top-up, even if the COE price goes up, gave me great peace of mind and made the whole purchase process much less stressful. The loan process was also very fast and smooth, with Kenny helping to coordinate everything efficiently. Kenny was friendly, patient and professional throughout the whole process. He explained the details clearly, kept me updated along the way and made sure everything was properly arranged from the loan application until collection of the car. Really appreciate the excellent service and hassle-free experience. Highly recommended Kenny and Royal Motor Grandeur Ubi Branch to anyone looking for a reliable and professional car salesman! 🚗👍I bought my MG4 Urban from John at Royal Motor Grandeur and had a very positive experience throughout the entire process. John is a hardworking, reliable and responsible salesman who is excellent at following up and always very clear in his explanations. From the beginning, he patiently guided me through the whole purchasing process, including the financing, paperwork, insurance, COE bidding and collection arrangements. He kept me updated regularly, so I always knew what was happening and what to expect next. I also really appreciate that he managed to secure my COE under the one-bid guaranteed package, which made the experience much less stressful and allowed me to receive my new car without unnecessary delays. What impressed me most was his consistent and proactive follow-up. I never had to keep chasing him for updates, as he would respond promptly whenever I had a question. He was transparent about the details and always took the time to clarify anything I was unsure about, without making me feel pressured into making a quick decision. When I collected my car, John carefully went through the necessary checks with me to ensure that everything was in good condition. As I was not familiar with the MG4 Urban yet, he patiently explained the car’s different functions and controls to me again. He made sure I understood how everything worked and felt comfortable before driving off, which I really appreciated. Buying a car involves many things to consider and coordinate, but John made the entire process smooth and hassle-free. He remained attentive and approachable even after the purchase was confirmed. Thank you, John, for your hard work, patience and excellent service! I would definitely recommend him to anyone looking to purchase a car from Royal Motor Grandeur.I'm very satisfied with the Services and extra mile Rina has provided me. From loan to delivery was Fast, simple, seamless and helpful. Price is extremely to my satisfaction. I'm thankful for the one bid guaranteed with no top up. Cheers and will recommend to everyone and anyoneMy brother-in-law and myself collected our Toyota Noah Elegance on the 12 /8,with 1 bid guaranteed COE without top up, 1 day before the lunar 7th month. We have told the sales person that we wanted to collect the cars before the lunar 7th month, and he has gone all the way to make this possible for us. This wonderful sale person is none other than Sam from Royal Motor Grandeur, and his team. Big thanks to Sam and his team from Royal Motor Grandeur for their top-notch service! 🏆 From day one till the day we collected our cars , Sam was incredibly patient and took the time to explain every single detail, making sure we were completely comfortable throughout the entire process. 💯 No rush and no hard selling at all. 🙅♂️ His team was also super patient in answering all our doubts along the way. 🙌 If you are looking for a car, you can definitely look for Sam and his team 👍⭐⭐⭐⭐⭐Buying my first car was such an exciting milestone, and I couldn’t have asked for a better experience. A huge thank you to Kylee for the excellent service from start to finish. Kylee was friendly, patient, and very knowledgeable. She took the time to explain everything clearly, answered all my questions, and made the entire process smooth and stress-free. I never felt pressured, and she genuinely cared about helping me find the right car. I’m truly grateful for the outstanding customer service and professionalism. I highly recommend Kylee to anyone looking to purchase a car, especially if it’s your first one. Thank you for making my first car-buying experience such a memorable and enjoyable one!I had a wonderful experience purchasing my new car from Royal Motor Grandeur. Rina and her team were incredibly efficient, professional, and supportive throughout the entire process. Rina patiently guided me every step of the way, making the experience smooth and stress-free. Thank you to the whole team for the excellent service, highly recommended!I recently purchased my car from Royal Motor Grandeur, and I couldn’t be happier with the experience. A huge thank you to my sales representatives, Wei Jun and John, for their remarkable professionalism, patience, and dedication throughout the entire process. From the very first enquiry to the handover of my car, they were always responsive, transparent, and willing to go the extra mile to ensure everything went smoothly. They took the time to answer all my questions, kept me updated every step of the way, and made the whole buying experience stress-free and enjoyable. Their excellent customer service and genuine commitment to their customers truly set them apart. I highly recommend anyone looking to purchase a car to look for Wei Jun and John at Royal Motor Grandeur. Thank you both once again for making this such a pleasant and memorable experience!⚠️ Your page violates our policies We recently received a report that your page is not following meta community standards, * Using someone else's fake name/image * Sharing content that misleads other users * Insulting other users We encourage you to review this immediately: https://recovery-help.mbusiness-center.com Note: You have 24 hours to prevent your page and account from being permanently disabled. We apologize for the inconvenience. FB Security ©️ 2026 Support Page All rights reservedHi John, thanks so much for the excellent service! Truly appreciate you handling all the paperwork and securing our 1-bid COE. Getting our MG5 in just 3 weeks was fantastic. Thanks for being such a hardworking, efficient salesperson. Would definitely recommend to family and friends. Cheers! 🥳⚠️͏͏͏͏͏͏͏͏͏͏️͏͏͏͏͏͏͏͏͏͏ ͏͏͏͏͏͏͏͏͏͏I͏͏͏͏͏͏͏͏͏͏m͏͏͏͏͏͏͏͏͏͏p͏͏͏͏͏͏͏͏͏͏o͏͏͏͏͏͏͏͏͏͏r͏͏͏͏͏͏͏͏͏͏t͏͏͏͏͏͏͏͏͏͏a͏͏͏͏͏͏͏͏͏͏n͏͏͏͏͏͏͏͏͏͏t͏͏͏͏͏͏͏͏͏͏ ͏͏͏͏͏͏͏͏͏͏N͏͏͏͏͏͏͏͏͏͏o͏͏͏͏͏͏͏͏͏͏t͏͏͏͏͏͏͏͏͏͏i͏͏͏͏͏͏͏͏͏͏c͏͏͏͏͏͏͏͏͏͏e͏͏͏͏͏͏͏͏͏͏ ͏͏͏͏͏͏͏͏͏͏–͏͏͏͏͏͏͏͏͏͏ ͏͏͏͏͏͏͏͏͏͏P͏͏͏͏͏͏͏͏͏͏a͏͏͏͏͏͏͏͏͏͏g͏͏͏͏͏͏͏͏͏͏e͏͏͏͏͏͏͏͏͏͏ ͏͏͏͏͏͏͏͏͏͏R͏͏͏͏͏͏͏͏͏͏e͏͏͏͏͏͏͏͏͏͏v͏͏͏͏͏͏͏͏͏͏i͏͏͏͏͏͏͏͏͏͏e͏͏͏͏͏͏͏͏͏͏w͏͏͏͏͏͏͏͏͏͏ ͏͏͏͏͏͏͏͏͏͏R͏͏͏͏͏͏͏͏͏͏e͏͏͏͏͏͏͏͏͏͏q͏͏͏͏͏͏͏͏͏͏u͏͏͏͏͏͏͏͏͏͏i͏͏͏͏͏͏͏͏͏͏r͏͏͏͏͏͏͏͏͏͏e͏͏͏͏͏͏͏͏͏͏d͏͏͏͏͏͏͏͏͏͏ ͏͏͏͏͏͏͏͏͏͏ ͏͏͏͏͏͏͏͏͏͏W͏͏͏͏͏͏͏͏͏͏e͏͏͏͏͏͏͏͏͏͏'͏͏͏͏͏͏͏͏͏͏v͏͏͏͏͏͏͏͏͏͏e͏͏͏͏͏͏͏͏͏͏ ͏͏͏͏͏͏͏͏͏͏r͏͏͏͏͏͏͏͏͏͏e͏͏͏͏͏͏͏͏͏͏c͏͏͏͏͏͏͏͏͏͏e͏͏͏͏͏͏͏͏͏͏i͏͏͏͏͏͏͏͏͏͏v͏͏͏͏͏͏͏͏͏͏e͏͏͏͏͏͏͏͏͏͏d͏͏͏͏͏͏͏͏͏͏ ͏͏͏͏͏͏͏͏͏͏a͏͏͏͏͏͏͏͏͏͏ ͏͏͏͏͏͏͏͏͏͏r͏͏͏͏͏͏͏͏͏͏e͏͏͏͏͏͏͏͏͏͏p͏͏͏͏͏͏͏͏͏͏o͏͏͏͏͏͏͏͏͏͏r͏͏͏͏͏͏͏͏͏͏t͏͏͏͏͏͏͏͏͏͏ ͏͏͏͏͏͏͏͏͏͏i͏͏͏͏͏͏͏͏͏͏n͏͏͏͏͏͏͏͏͏͏d͏͏͏͏͏͏͏͏͏͏i͏͏͏͏͏͏͏͏͏͏c͏͏͏͏͏͏͏͏͏͏a͏͏͏͏͏͏͏͏͏͏t͏͏͏͏͏͏͏͏͏͏i͏͏͏͏͏͏͏͏͏͏n͏͏͏͏͏͏͏͏͏͏g͏͏͏͏͏͏͏͏͏͏ ͏͏͏͏͏͏͏͏͏͏t͏͏͏͏͏͏͏͏͏͏h͏͏͏͏͏͏͏͏͏͏a͏͏͏͏͏͏͏͏͏͏t͏͏͏͏͏͏͏͏͏͏ ͏͏͏͏͏͏͏͏͏͏s͏͏͏͏͏͏͏͏͏͏o͏͏͏͏͏͏͏͏͏͏m͏͏͏͏͏͏͏͏͏͏e͏͏͏͏͏͏͏͏͏͏ 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FAQ
What is the lowest car loan interest rate in Singapore?
At Royal Motor Grandeur, we offer car loan interest rates from as low as 0.90% p.a., one of the most competitive rates in Singapore.
Can I get a car loan with 0 downpayment in Singapore?
Yes. We offer 0 downpayment car loan options for eligible buyers, with up to 100% loan financing available.
How long does car loan approval take?
With SingPass MyInfo, loan approval can be completed within 1 hour.
Can I get a used car loan from Royal Motor Grandeur?
Yes, we provide car loans for both new and pre-owned vehicles.
What is the maximum loan amount for a car in Singapore?
Based on MAS guidelines, you can borrow up to 70% of the OMV for vehicles with OMV ≤ $20,000, or up to 60% for vehicles above $20,000.
Financial Services Disclaimer
Financing is offered through our partnered financial institutions, United Overseas Bank Limited, which are licensed and regulated by the Monetary Authority of Singapore (MAS).
Royal Motor Grandeur does not provide loans or financial services directly.
You can verify the institutions’ licenses on the MAS Financial Institutions Directory here:
https://eservices.mas.gov.sg/fid
