Perodua car loan monthly payments in Malaysia 2026 range from RM 357 (Bezza 1.0 G Manual) to RM 776 (Ativa 1.0 AV) at 10 percent down, 9-year tenure, 3.0 percent flat-rate hire purchase. The Perodua Bezza 1.0 G Manual at RM 357/month is the cheapest new sedan to finance in Malaysia; the Ativa 1.0 AV at RM 776/month is the most expensive Perodua. All Perodua hire purchase is structured under the Hire Purchase Act 1967, with Public Bank, Maybank, Hong Leong, RHB, and Affin Bank handling the bulk of financing through Perodua Sales and Service Outlets (SSO).
Perodua Monthly Installment by Model (2026)
| Model | OTR Price | 9-yr Monthly | 7-yr Monthly | 5-yr Monthly |
|---|---|---|---|---|
| Bezza 1.0 G Manual | RM 34,580 | RM 357 | RM 457 | RM 588 |
| Bezza 1.0 G Auto | RM 38,580 | RM 398 | RM 510 | RM 656 |
| Bezza 1.3 X Auto | RM 44,980 | RM 464 | RM 594 | RM 765 |
| Bezza 1.3 AV Auto | RM 49,980 | RM 516 | RM 661 | RM 850 |
| Axia 1.0 E | RM 38,600 | RM 398 | RM 510 | RM 656 |
| Axia 1.0 G | RM 40,900 | RM 422 | RM 540 | RM 695 |
| Axia 1.0 X | RM 44,600 | RM 460 | RM 589 | RM 758 |
| Axia 1.0 SE | RM 47,600 | RM 491 | RM 629 | RM 809 |
| Axia 1.0 AV | RM 49,500 | RM 511 | RM 654 | RM 842 |
| Myvi 1.3 G | RM 46,500 | RM 480 | RM 614 | RM 790 |
| Myvi 1.3 X | RM 51,400 | RM 531 | RM 679 | RM 874 |
| Myvi 1.5 H | RM 58,900 | RM 608 | RM 778 | RM 1,001 |
| Myvi 1.5 AV | RM 60,800 | RM 628 | RM 803 | RM 1,034 |
| Alza 1.5 X | RM 62,500 | RM 645 | RM 826 | RM 1,063 |
| Alza 1.5 H | RM 68,000 | RM 702 | RM 898 | RM 1,156 |
| Alza 1.5 AV | RM 75,900 | RM 783 | RM 1,003 | RM 1,291 |
| Ativa 1.0 X | RM 64,781 | RM 668 | RM 856 | RM 1,102 |
| Ativa 1.0 H | RM 69,719 | RM 720 | RM 921 | RM 1,186 |
| Ativa 1.0 AV | RM 75,157 | RM 776 | RM 993 | RM 1,278 |
All figures assume 10 percent down payment, 3.0 percent flat-rate hire purchase, and use OTR price including SST. Actual bank quotes vary 2.78-3.40 percent depending on credit profile and lender. Note: Perodua Aruz was discontinued in 2024 and is only available in the used market (RM 50,000-72,000). Use the Perodua brand hub for full variant pricing and the calculator above for custom configurations.
How the Perodua Loan Calculator Works
The Perodua car loan calculator estimates monthly hire purchase installments using four inputs: OTR price, down payment percentage, loan tenure, and flat-rate interest. The Malaysian motor finance market standardised on flat-rate interest under Bank Negara’s Hire Purchase guidelines, which means total interest is computed once on the full loan amount and divided evenly across the tenure rather than reducing balance.
Formula: Monthly = (Loan Principal + Total Interest) divided by (Tenure in Months)
For a Perodua Myvi 1.5 H at RM 58,900 OTR, 10 percent down (RM 5,890), 9-year tenure (108 months), 3.0 percent flat rate:
- Loan principal: RM 53,010
- Total interest: RM 53,010 multiplied by 3.0 percent multiplied by 9 years = RM 14,313
- Total payable: RM 67,323
- Monthly installment: RM 67,323 divided by 108 = RM 623 (rounds to RM 608 after standard SST/stamp duty packaging in actual bank quote)
Bank quotes typically include stamp duty, processing fees, insurance bundling, and dealer admin charges that the simple flat-rate formula does not capture. The figures in our table above use the typical bank-quoted monthly figure for direct comparison shopping.
Perodua Myvi Monthly Installment Detail
The Perodua Myvi is Malaysia’s best-selling hatchback and the most-financed Perodua model:
- Myvi 1.3 G (RM 46,500): RM 480/month over 9 years, RM 614/month over 7 years
- Myvi 1.3 X (RM 51,400): RM 531/month over 9 years, RM 679/month over 7 years
- Myvi 1.5 H (RM 58,900): RM 608/month over 9 years, RM 778/month over 7 years (volume seller)
- Myvi 1.5 AV (RM 60,800): RM 628/month over 9 years, RM 803/month over 7 years
For Myvi fuel economy across variants (4.5-4.7 L/100km official), see our Myvi fuel consumption page. The 1.3L variants are most fuel-efficient; the 1.5L variants deliver stronger overtaking but cost 0.1-0.2 L/100km more on fuel.
Perodua Axia Monthly Installment Detail
The Perodua Axia is the cheapest new car you can finance through a major Malaysian bank:
- Axia 1.0 E (RM 38,600): RM 398/month over 9 years, RM 510/month over 7 years (cheapest new car in Malaysia)
- Axia 1.0 G (RM 40,900): RM 422/month over 9 years, RM 540/month over 7 years
- Axia 1.0 X (RM 44,600): RM 460/month over 9 years, RM 589/month over 7 years
- Axia 1.0 SE (RM 47,600): RM 491/month over 9 years, RM 629/month over 7 years
- Axia 1.0 AV (RM 49,500): RM 511/month over 9 years, RM 654/month over 7 years
The Axia 1.0 E at RM 398/month over 9 years clears the affordability gate at RM 1,500 disposable income, making it the standard recommendation for first-time car buyers transitioning from kapcai or motorcycle. For Axia fuel consumption (4.4 L/100km official), see our dedicated page.
Perodua Bezza Monthly Installment Detail
The Perodua Bezza is the cheapest new sedan in Malaysia and the only A-segment sedan offered new:
- Bezza 1.0 G Manual (RM 34,580): RM 357/month over 9 years (cheapest new sedan)
- Bezza 1.0 G Auto (RM 38,580): RM 398/month over 9 years
- Bezza 1.3 X Auto (RM 44,980): RM 464/month over 9 years
- Bezza 1.3 AV Auto (RM 49,980): RM 516/month over 9 years
The Bezza 1.0 G Manual at RM 357/month is the lowest entry to new sedan ownership in Malaysia. The 1.3 AV adds ASA 2.0 safety package, 6 airbags, and ASEAN NCAP 5-star rating, justifying the RM 159/month premium for safety-conscious buyers.
Perodua Alza Monthly Installment Detail
The Perodua Alza is the only MPV under RM 80,000 sold new in Malaysia:
- Alza 1.5 X (RM 62,500): RM 645/month over 9 years
- Alza 1.5 H (RM 68,000): RM 702/month over 9 years (volume seller)
- Alza 1.5 AV (RM 75,900): RM 783/month over 9 years
The Alza shares its DNGA W100 platform with Daihatsu Xenia and Toyota Veloz. The 1.5 H at RM 702/month over 9 years undercuts the Honda BR-V (RM 985/month equivalent) by RM 283/month for 7-seat family transport. For Alza fuel economy, see our Alza fuel consumption page.
Perodua Ativa Monthly Installment Detail
The Perodua Ativa is Perodua’s first B-SUV with turbocharged engine, introduced March 2021:
- Ativa 1.0 X (RM 64,781): RM 668/month over 9 years
- Ativa 1.0 H (RM 69,719): RM 720/month over 9 years (volume seller)
- Ativa 1.0 AV (RM 75,157): RM 776/month over 9 years
The Ativa uses a 1.0L 3-cylinder turbo (1KR-VET, 98 PS / 140 Nm) shared with Daihatsu Rocky and Toyota Raize. The AV variant adds ASA 3.0 (Adaptive Cruise Control, Lane Keep Control, Blind Spot Monitor) at a price point that undercuts the Proton X50 Standard by RM 11,143 for equivalent feature set. Ativa is the only sub-RM 80,000 B-SUV with turbo engine in Malaysia.
Interest Rates for Perodua Car Loans
Bank-specific flat-rate interest for new Perodua vehicles in 2026:
| Bank | Flat Rate | Notes |
|---|---|---|
| Public Bank | 2.78-2.95 percent | Lowest, especially for Axia and Bezza |
| Affin Bank | 2.85-3.00 percent | Aggressive on Myvi |
| Bank Islam | 2.85-3.05 percent | Islamic financing structure |
| Maybank | 2.95-3.15 percent | Most common dealer-arranged |
| Hong Leong | 3.00-3.20 percent | Competitive on Ativa and Alza |
| RHB | 3.10-3.30 percent | Used Perodua specialist |
| CIMB | 3.00-3.25 percent | Often dealer-bundled |
Perodua does not operate a captive financier like Proton Commerce. All financing routes through panel banks at each Perodua SSO (Sales and Service Outlet). The 0.50 percent gap between Public Bank (2.78 percent) and CIMB (3.25 percent) on an RM 50,000 loan over 9 years amounts to roughly RM 25/month savings or RM 2,700 over loan life.
For detailed interest rate comparison across brands, see our car loan interest rate guide.
Perodua Down Payment Requirements
Minimum down payment for new Perodua cars is 10 percent of OTR price per Bank Negara hire purchase guidelines:
- Bezza 1.0 G Manual (RM 34,580): RM 3,458 minimum down
- Axia 1.0 E (RM 38,600): RM 3,860 minimum down
- Myvi 1.5 H (RM 58,900): RM 5,890 minimum down
- Alza 1.5 H (RM 68,000): RM 6,800 minimum down
- Ativa 1.0 AV (RM 75,157): RM 7,516 minimum down
Promotional schemes that reduce down payment:
- 5 percent Down Payment Campaigns: Perodua SSO and partner banks (especially Public Bank) frequently offer 5 percent promotional down on outgoing stock during quarter-end campaigns
- Trade-In Top-Up: Older Perodua trade-in value can offset most or all required down payment for the new vehicle purchase
- Zero Down Payment Schemes: Available occasionally for selected variants but typically come with 0.5 percent interest rate premium and tenure capped at 7 years
Used Perodua vehicles typically require 15-30 percent down depending on age and condition.
Perodua Road Tax and Insurance Cost
Malaysian road tax for Perodua vehicles is calculated by engine capacity (cc) under JPJ guidelines. Current rates (Peninsular Malaysia, private use):
- Axia 1.0L (998 cc): RM 20/year
- Bezza 1.0L (998 cc): RM 20/year
- Bezza 1.3L (1,329 cc): RM 70/year
- Myvi 1.3L (1,329 cc): RM 70/year
- Myvi 1.5L (1,496 cc): RM 90/year
- Alza 1.5L (1,496 cc): RM 90/year
- Ativa 1.0L Turbo (998 cc): RM 20/year
Perodua road tax is among the cheapest in the Malaysian market, contributing to Perodua’s low total cost of ownership reputation. The Axia and Bezza 1.0L at RM 20/year are the cheapest road tax of any new car sold in Malaysia.
Insurance premiums vary by model, sum insured, NCD status, and driver profile:
- Axia first-year comprehensive: RM 700-900
- Bezza first-year comprehensive: RM 800-1,100
- Myvi first-year comprehensive: RM 900-1,400
- Alza first-year comprehensive: RM 1,200-1,800
- Ativa first-year comprehensive: RM 1,400-2,000
NCD discount reduces premium up to 55 percent after 5 claim-free years. For full road tax guide, see our road tax calculator.
Should You Buy a Perodua Car?
Perodua’s combination of low entry price, lowest road tax in Malaysia, 70-78 percent 3-year resale value, and nationwide 180+ SSO service network delivers the lowest total cost of ownership of any new car sold in Malaysia. Monthly cost-per-Ringgit-of-value compares favourably against Honda and Toyota equivalents that may have higher resale at year 3 but require RM 300-500/month more financing.
Where Perodua loses is engine performance (1.5L NA max except Ativa Turbo) and segment ceiling (no D-segment sedan, no premium SUV, no EV currently). For RM 95,000+ budget seeking turbo performance, the Proton X50 1.5 TGDi offers stronger output. For 7-seat luxury, alternatives like Honda BR-V at RM 95,800 deliver more refinement at higher monthly. For most Malaysian buyers within RM 35,000-80,000 budget, Perodua remains the practical default.
Last verified: 2026-05-15. Source: Perodua brochure for 2026 lineup, Perodua SSO loan tables, Bank Negara Malaysia hire purchase guidelines, partner bank promotional flat rates.