Calculate any Malaysian car loan in seconds
Independent calculators for hire purchase, road tax, and true ownership cost. We don't sell cars or take commissions, just numbers and decision support.
DSR Calculator: Can you afford a car loan?
Bank Negara Malaysia uses Debt Service Ratio (DSR) to gate loan approval. Estimate your max safe car loan based on your income and existing commitments.
DSR 60%, borderline. Banks may approve smaller loans only.
Estimate only. Banks also evaluate credit score (CCRIS/CTOS), employment stability, and existing assets. Use this to set expectations before you apply.
Popular calculators
Most-searched brands. Calculate monthly payment, see who should buy, what it really costs to own.
Browse by price
OTR pricing for Malaysian cars across the full spectrum, from RM 4k used Kancils to RM 18M+ Koenigsegg deliveries. All car prices →
EV in Malaysia 2026
The CBU duty exemption ended 31 December 2025. From 2026, JPJ taxes EVs on motor power output (kW) instead of cubic-centimetre displacement. CKD EVs (Atto 3, Proton e.MAS 7) keep the duty break; CBU EVs saw 8–15% price increases in early 2026.
Read the 2026 EV guide →Luxury road tax
JPJ progressive rates compound steeply above 3,000cc. Per-model breakdowns for the high-displacement brands.
Bank financing
Compare hire purchase rates and process from the major Malaysian banks.
By buyer profile
Loan qualification varies by income source, employment status, and residency. Tailored decision support for the four most-asked profiles.
Fuel consumption
Real-world litres-per-100km plus monthly pump cost at current RON 95 and RON 97 prices. All models →
Reading
Background guides to car ownership in Malaysia.