A COE renewal loan helps you finance the Prevailing Quota Premium (PQP) when your vehicle's COE expires in Singapore.
noto connects you with competitive loan options from around 2.8% per annum, with no commissions or hidden fees charged to you — ever.
If your COE is expiring soon, you're in the right place.
Enjoy loans at 2.8% interest rates
For most Singapore car owners, renewing your COE is the smarter financial move. Here's why.
Your car is already paid off. You know its full history — every service, every repair. Renewing lets you keep driving a car you trust, without the uncertainty of buying second-hand or the expense of going new.
The cost of a new car in Singapore — including COE bidding, dealer margins, and loan interest — is almost always higher than renewing. A COE renewal loan at a competitive rate keeps your monthly costs well below what a new car purchase would cost you.
Renewal is also simpler and faster than buying. There's no bidding, no negotiations, no waiting. You pay the PQP, your COE is extended, and you keep driving.
Plan your monthly budget
drive free, worry less.
Whether you’re renewing or switching, we help you protect what matters most.
competitive rates from 2.8% pa
We work with trusted lending partners in Singapore to get you a rate that keeps your monthly repayments as low as possible.
Zero fees to you — always
noto earns a referral fee from our lending partners. That means our service costs you nothing. No commissions, no admin fees, no hidden charges. What you see is what you pay.
No complicated paperwork
You don't need to shop around or wade through complicated paperwork. Tell us your car details, and we'll handle the loan comparison. You just need to review the offer and decide.
Car people helping car people
We're part of Singapore's car community — not a faceless financial broker. Your best interests are our only interest. We'll be honest with you about what makes sense for your situation.
financing made easy
Getting a COE renewal loan through noto is straightforward. Here's what to expect.
Step 1 — Tell us about your car
Send us your vehicle number and COE expiry date via WhatsApp or the form below. That's all we need to get started.
Step 2 — We find you the best loan
We compare options from our lending partners and come back to you with a competitive offer. We aim to respond within two business hours.
Step 3 — Review with no pressure
You review the loan terms at your own pace. There's no obligation to accept, and no hard sell. Ask us anything — we'll answer honestly.
Step 4 — Your COE is renewed
Once you're happy and the loan is approved, we handle the disbursement. Your COE renewal is submitted to LTA, and you're back on the road.
A few things worth understanding before you apply.
You can borrow up to 100% of the PQP — you don't need a cash deposit. Loan tenure can be up to seven years for a 10-year COE renewal, or up to five years for a 5-year renewal.
You can renew your COE up to six months before the expiry date, so there's no need to wait until the last minute. If your COE has already expired, LTA allows a one-month grace period — though a late renewal fee applies. After that window, the vehicle must be deregistered.
Not sure what the current PQP is? Check the latest PQP rates for all COE categories.
How are you faring?
The PQP is the amount your COE renewal loan needs to cover. Here are the current figures for April 2026.
Drop us a note to tell us where we can help you, and we'll be in touch with you as soon as possible.
How are you faring?
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