In Singapore, car financing is rarely about “lowest instalment”. It’s about fragility: can you survive rate shocks, cash shocks, and an exit decision without becoming trapped?
Interest cost vs liquidity risk. Leverage helps until it makes you fragile.
Lower instalment vs exit risk: when “cheap” becomes a trap.
Pay for flexibility, or own the exposure. Decide by holding period + risk transfer.
Stress-test true monthly cost (not instalment) against your income buffer.
If you’re not sure you should own a car at all, start here.
Browse transport + property calculators.
Prefer the cross-cluster view? See the full Financing hub.