INDIVIDUAL APPLICANTS
Employed / Private Sector / Civil Service
- Copy of MyKad (Front & Back)
- Valid Driving License
- Latest 3 Months Salary Slips
- Latest 3 Months Bank Statements
- Latest EPF (KWSP) Statement
Estimate your car loan before you choose a car
Plan your budget with a quick estimate, then ask PCC to review the financing options that fit your situation.
Monthly repayment calculator
Flat-rate hire-purchase estimate. Pick the tenure that fits your budget.
Estimate only. Final rate, terms and approval depend on the lender.
What we look at
We review a few key areas to understand your profile and explain the most suitable next step.
- 1Your income and monthly commitments
- 2Employment and applicant type
- 3AKPK, CTOS or CCRIS information
FINANCING PARTNERS WE TRUST
Backed by lenders you already trust.
Applications go to 7 commercial banks and 8 credit leasing companies · Loans up to 9 years
7 commercial banks
8 credit leasing companies
- Concord
Documents to submit
Have these ready. PCC will tell you if your situation needs anything else.
- IC & driving licence
- Latest 6 months bank statement (showing salary credited)
- Payslip
- EPF statement
- Income tax
Quick check
Can I apply before choosing a car?
Yes. PCC can review your employment, monthly income, commitments and credit situation first, then explain the next suitable step.
Can I enquire if I have AKPK, CTOS, CCRIS or a blacklist record?
Yes. PCC reviews each case individually. An enquiry is not an approval, and all financing remains subject to assessment.
How long does a review take?
PCC will contact you on WhatsApp after reviewing your submitted details and explain the next suitable step.
Check your loan eligibility across 15 lenders
Share a few details and PCC will review suitable options across our 7 banks and 8 credit leasing companies. We'll contact you on WhatsApp with the next step. Subject to lender assessment.
Who can enquire about Loan KedaiLoan Kedai is for selected cases and subject to assessment. Not every case passes, but every case gets a real look.
Rejected by a bank before
AKPK cases
Blacklist, CTOS or CCRIS issues
Self-employed with no payslip
Difficult or incomplete documents
First-time car buyers
LOAN DOCUMENTATION
Documents To Prepare
Have these ready if you can. Missing something? Ask us anyway, we will tell you what else works.
BUSINESS APPLICANTS
Self-Employed / Enterprise / Sdn Bhd
- Copy of MyKad (Front & Back)
- Valid Driving License
- SSM Company Registration (Full Set)
- Latest 6 Months Company Bank Statements
- Latest Form B / Income Tax Receipt
Loan assessment questions, answered
Clear information before you share your details. PCC's team explains the realistic next step after reviewing each case.
Can I apply before choosing a car?
Yes. PCC can review your employment, monthly income, commitments and credit situation first, then explain the next suitable step.
Can I enquire if I have AKPK, CTOS, CCRIS or a blacklist record?
Yes. PCC reviews each case individually. An enquiry is not an approval, and all financing remains subject to assessment.
How long does a review take?
PCC will contact you on WhatsApp after reviewing your submitted details and explain the next suitable step.
Does submitting the form mean my loan is approved?
No. The form starts a preliminary assessment only. Final financing decisions are made after the relevant lender and PCC review the application.