Get rates as low as 2.35% p.a. • Up to $2k in rebates
From 2.35% p.a. interest rates. No hidden fees. The best part? Get more than $2,000 rebates and your transfer count unchanged.
Why wait? Renew today with noto
Starting from as low as 2.35% p.a. – among the lowest in Singapore.
Explore COE renewal financing for Cat A, B and E cars, with options to suit your needs.
Receive over $2,000 in rebates + zero admin fees. Limited time only.
Take a look
The PQP is the amount your COE renewal loan needs to cover. Here are the current figures for this month.
COE hit record highs
PQP has already hit 6 digits. How many Singaporeans can truly pay it upfront?
If you're not paying it in installments, you'll have to pay it all upfront. For most people, it is equivalent to wiping out a huge chunk of their savings.
After putting a huge sum into your car, you may have less liquidity for emergencies, family expenses, investments, or unexpected costs.
Don't overpay. Know your options.
Get COE renewal loans from as low as 2.58% p.a.
We check across our panel of licensed lenders, not just the first one you find.
Receive $2,000 rebates when you renew with us. Save more and avoid overpaying when you renew your COE.
save up, save more
Discover why more drivers are choosing noto for a smarter, more flexible way to renew.
Keep your cash for emergencies, investments, or other expenses.
Avoid a large upfront payment that depletes your bank savings.
Enjoy competitive COE renewal financing rates from our trusted lenders.
Receive $2,000 or more in rebates. Save up, save more with noto.
Loan terms
An advisor can walk you through how they apply to your situation.
how it works
No bidding, no negotiations. Just 3 steps.
Find your COE expiry date on your vehicle log card. You can renew up to 6 months early.
Input your vehicle number, COE expiry date and COE category. We'll reach out to you shortly.
Choose your bank of choice. Once your bank loan is approved, we will proceed with your application.
Trusted by drivers across Singapore.
I had a very smooth experience from start to finish. The entire transition process was handled professionally, efficiently, and without any issues. Everything was clearly explained, timelines were met, and communication was prompt throughout. The process was fast and hassle-free, which I truly appreciated. Highly recommended for anyone looking for a seamless experience.
Very professional and quick to all our queries. Everything was handled professionally and special thanks to Karthik for his knowledge and good service. Our COE renewal was a breeze and I wouldn't want to look elsewhere!
Fill in your details and we'll get back to you within 2 hours.
Common questions about COE renewal loans
What is a COE renewal loan?
A COE renewal loan is a personal loan that covers the cost of renewing your vehicle's Certificate of Entitlement (COE) in Singapore. The loan amount is based on the Prevailing Quota Premium (PQP) at the time of your renewal. Instead of paying the full PQP upfront, you spread the cost over monthly repayments — typically over five to seven years.
What interest rate can I get for a COE renewal loan in Singapore?
Through noto, COE renewal loan rates start from around 2.35% per annum. Your exact rate depends on the lender's assessment of your profile, your loan tenure, and the loan amount. We compare options from multiple lending partners to find you the most competitive rate available.
Are there any fees or commissions charged to me?
No, we charge you nothing. noto earn a referral fee from our lending partners, so our service is completely free to you. There are no commissions, no admin fees, and no hidden charges at any stage.
How long does the COE renewal loan process take?
Once you submit your details, we aim to come back to you with a loan offer within two business hours. From initial enquiry to COE renewal being submitted to LTA, most cases are completed within three to five business days, depending on the lender's approval timeline and the documents required.
Can I renew my COE if my car is more than 10 years old?
Requirements vary slightly by lender, but you will typically need your NRIC, your vehicle registration card (or log card), proof of income (recent payslips or CPF statements), and your vehicle's inspection report if required. We will walk you through exactly what is needed once you get in touch.
What is the PQP and how does it affect my loan amount?
The PQP — Prevailing Quota Premium — is the price set by LTA for COE renewal in Singapore. It is the three-month moving average of COE bidding prices. Your COE renewal loan amount will be based on the PQP at the time you renew: 100% of the PQP for a 10-year renewal, or 50% for a 5-year renewal.
