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KIRA KERETA · CAR

Car finance guides for Malaysians

Understand what a car really costs, how much you can comfortably afford and how loan choices affect your monthly budget.

Car guides

Start with affordability, then compare the financing. A lower monthly instalment does not always mean a cheaper car.

CAR AFFORDABILITY

How much car can I afford in Malaysia?

Work backwards from your take-home pay and existing commitments.

Read guide →SALARY & AFFORDABILITY

What car can I afford with RM5,000 salary?

Turn RM5,000 take-home pay into a practical car budget.

Read guide →SALARY & AFFORDABILITY

What car can I afford with RM10,000 salary?

Balance a higher income with commitments and ownership costs.

Read guide →CAR LOAN

RM100k car: what is the monthly payment?

See how down payment, rate and tenure change the instalment and total interest.

Read guide →LOAN TENURE

5 vs 7 vs 9-year car loan

Compare a lower monthly payment with the cost of staying in debt longer.