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COE loans singapore

Probably the best COE renewal loan deal in Singapore

Lowest rate 2.58% p.a. • Zero fees • $2k rebate

From 2.58% p.a. interest rates
$0 admin — no hidden fees
Get more than $2,000 in rebates
Transfer count unchanged

Why wait? Renew today with noto

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Renew your COE with flexible financing today.

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Current PQP Rates

The PQP is the amount your COE renewal loan needs to cover. Here are the current figures for this month.

Category Vehicle Type July 2026 Current
10-Year PQP 5-Year PQP
Cat A Cars up to 1,600cc & 97kW S$123,315 S$61,658
Cat B Cars above 1,600cc or 97kW S$124,705 S$62,353
Cat C Goods vehicles & buses S$88,368 S$44,184
Cat D Motorcycles S$9,737 S$4,869
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our satisfied customers

Renew your COE with us today!

Don't overpay. Know your options.

Why renew with noto?

Get COE renewal loans from as low as 2.58% p.a.

Here's what that actually means for you:

On a $30,000 PQP loan over 5 years, a 0.3% rate difference saves you about $450 in interest. Add the $2,000 rebate, and you're looking at nearly $2,500 back in your pocket compared to a typical loan.

That's not nothing. That's your road tax. Your insurance. A few full tanks of petrol.

Competitive rates

Starting from as low as 2.58% p.a. – among the lowest in Singapore.

Wide selection

Flexible loan tenures and COE categories (A, B, C, D) available.

Exclusive promotion

Receive over $2,000 in rebates + zero admin fees. Limited time only.

Timely support

Dedicated team, fast approvals, and transparent advisory.

Apply now

save up, save more

A Smarter Way to Renew Your COE

Discover why more drivers are choosing noto for a smarter, more flexible way to renew.

Here's what that actually means for you:

On a $30,000 PQP loan over 5 years, a 0.3% rate difference saves you about $450 in interest. Add the $2,000 rebate, and you're looking at nearly $2,500 back in your pocket compared to a typical loan.

That's not nothing. That's your road tax. Your insurance. A few full tanks of petrol.

Preserve your savings

Keep cash available for emergencies, investments, or other expenses.

Spread Out Payments

Avoid a large upfront payment that depletes your bank savings.

Rates from 2.58%

Enjoy competitive COE renewal financing rates from our trusted lenders.

Additional Rebates

Receive $2,000 or more in rebates. Save up, save more with noto.

Get Started

How it works

Do it in 4 steps.

No bidding, no negotiations. Just 4 steps.

Step 01
Check your expiry

Find your COE expiry date on your vehicle log card. You can renew up to 6 months early.

Step 02
Fill in the form

Input your vehicle number, COE expiry date and COE category.

Step 03
Compare your quotes

We will provide you our best COE renewal loan quotes for your ride.

Step 04
Review & complete

One your bank loan is approved, we will proceed with your application.

Here's what that actually means for you:

On a $30,000 PQP loan over 5 years, a 0.3% rate difference saves you about $450 in interest. Add the $2,000 rebate, and you're looking at nearly $2,500 back in your pocket compared to a typical loan.

That's not nothing. That's your road tax. Your insurance. A few full tanks of petrol.

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save more with noto

Real stories from noto customers

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!

Friendly, helpful and transparent.Highly recommended 👍

The experience dealing with Kay is great👍🙂. Prompt and knowledgeable.

Thanks Charlie for the great service and deal!

Staff is super friendly & explain very detail. No hard sales.

coe renewal

Calculate your monthly payments

Hurry and renew now in July 2026 before the next PQP hike!

Category Vehicle Type PQP (5-Year) PQP (10-Year)
Cat A Cars up to 1,600cc & 97kW S$62,003 S$123,315
Cat B Cars above 1,600cc or 97kW S$62,679 S$124,705
COE Renewal Calculator
Monthly Repayment SGD 0
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Renew your COE with noto

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COE Renewal loans

FAQs

Quest

We're about people who enjoy cars and driving, not about brands of cars.

All cars are beautiful, and they express who we are. Whether they're stock, modified, or body kitted. Whether they're daily cars, sports cars, or supercars.

When you change your car, you don't change your place in Cult of Cars.

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No, we're not talking about having Zoom beer sessions.

We're talking about having the opportunity to connect both online, and in the real world.

Not all of us have the luxury of attending every meet up, or go on every drive. Or maybe we don't want to. Or maybe we're not in Singapore.

But, we can almost certainly keep in touch online.

Good company, responsible adults.

The car community sometimes gets a bad reputation. People see us as nuisances who like to make a racket with our engines. Or drive dangerously. Or elitist folks. And some unfortunately do that.

That's not Cult of Cars. We're about being responsible adults, and having a good time together in a considerate manner.

Whether, like us, you want create a community that has the reputation it actually deserves, or you simply want to be in a community believes in being considerate and responsible, we're here and we'd love to get to know you.

No gatekeeping.

We welcome members from all walks of life, at any age, and at any stage of their car journey.

Whether you're not driving yet (but you love cars), or whether you drive simple or the car of many people's dreams, you're welcome.

Because for us, it's not about the car, it's about enjoying it.

By the way, it's free.

What is a COE renewal loan?

What interest rate can I get for a COE renewal loan in Singapore?

Are there any fees or commissions charged to me?

How long does the COE renewal loan process take?

Can I renew my COE if my car is more than 10 years old?

What documents do I need to apply for a COE renewal loan?

What is the PQP and how does it affect my loan amount?

Can I renew my motorcycle COE with a loan?

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noto COE Renewal Loans