{"id":27500,"date":"2022-06-28T23:34:22","date_gmt":"2022-06-28T15:34:22","guid":{"rendered":"https:\/\/www.carsome.my\/news\/?p=27500"},"modified":"2024-07-12T11:09:10","modified_gmt":"2024-07-12T03:09:10","slug":"benefits-preapproved-car-loan","status":"publish","type":"post","link":"https:\/\/www.carsome.my\/news\/item\/benefits-preapproved-car-loan","title":{"rendered":"5 Benefits on Getting a Pre-approved Car Loan"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Have you heard of a pre-approved car loan? In Malaysia, it might not be a much-discussed concept, but it does exist. In fact, CARSOME Capital offers a pre-approved car loan, exclusively for the purchase of CARSOME Certified cars.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In brief, it is a loan that is pre-approved before you even find a car you want to buy &#8211; it gives you an allocated financing limit so you know how much you can afford.<\/span><\/p>\n<h2><b>Conventional Loans Versus Pre-approved Loans<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">But before we go into the perks of applying for a pre-approved car loan, it\u2019s best you understand how a conventional car loan works versus a pre-approved car loan.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Conventional car loan:<\/b><span style=\"font-weight: 400;\"> Conventional car loans are the ones that you apply for after you find a car you want. However, there are waiting periods that may differ based on the bank, that will either approve or reject your application.\u00a0 <\/span>For example, Marie decides to buy a used 2015 Honda at RM65,000. She is unable to pay for this with cash, and decides to apply for a car loan. So, she submits her documents with the sales consultant, who then helps her apply for a car loan (also known as a hire purchase loan) to three different banks. From here, the banks will evaluate her credit health and decide whether to approve or reject her loan application. One of the main reasons banks reject car loan applications could be due to the Debt Service Ratio (DSR). In simple terms, a DSR calculates if you are able to afford the repayment amount by taking into account your finances versus debts.<\/li>\n<\/ul>\n<p><a href=\"https:\/\/carsomemy.s3.ap-southeast-1.amazonaws.com\/wp\/carsome-preapproved-loan-3.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-27503 aligncenter\" src=\"https:\/\/carsomemy.s3.ap-southeast-1.amazonaws.com\/wp\/carsome-preapproved-loan-3.jpg\" alt=\"\" width=\"800\" height=\"534\" srcset=\"https:\/\/www.carsome.my\/news\/wp-content\/uploads\/wp\/carsome-preapproved-loan-3.jpg 800w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/wp\/carsome-preapproved-loan-3-300x200.jpg 300w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/wp\/carsome-preapproved-loan-3-768x513.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Pre-approved car loan: <\/b><span style=\"font-weight: 400;\">Now, a pre-approved car loan works the other way around. When you get a pre-approved car loan, they will give you a maximum financing amount. <\/span>For example: Anne has decided that she wants to buy a car, but she doesn&#8217;t know what car she wants and hasn\u2019t started shopping around. She decides to apply for a pre-approved loan so that she can shop without worry. She submits her application and gets pre-approved for a RM75,000 loan. Now, Anne can start looking around for a car that is not more than RM75,000. She then decides to buy a 2019 Kia Cerato priced at RM70,000. All she needs to do now is show her pre-approved loan and get the car right away. Of course, the final loan will be valued according to the car price she has chosen.<\/li>\n<\/ul>\n<p><b>Read more:<\/b> <a href=\"https:\/\/www.carsome.my\/news\/item\/preapproved-car-loan\"><span style=\"font-weight: 400;\">What is a Pre-approved Car Loan &amp; How to Apply with CARSOME<\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\">But is it something you should be looking into? Well, getting your loan pre-approved can be a smart move, especially if you are still shopping around &#8211; this is because you are already pre-approved for a certain amount, so you will know the exact price range you should be shopping in.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But there are more advantages than just that so we\u2019ve taken the liberty to list them down for you.\u00a0<\/span><\/p>\n<h2><b>1. It Gives You the Opportunity to Plan Your Budget More Wisely<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">When it comes to buying big ticket items &#8211; whether it is a house or a car &#8211; it certainly is not something you do on a whim. Instead, you would probably plan your budget to find out if you are able to fork out the monthly repayment amount, the down payment, and so forth.\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/carsomemy.s3.ap-southeast-1.amazonaws.com\/wp\/carsome-preapproved-loan-2.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-27502\" src=\"https:\/\/carsomemy.s3.ap-southeast-1.amazonaws.com\/wp\/carsome-preapproved-loan-2.jpg\" alt=\"\" width=\"800\" height=\"534\" srcset=\"https:\/\/www.carsome.my\/news\/wp-content\/uploads\/wp\/carsome-preapproved-loan-2.jpg 800w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/wp\/carsome-preapproved-loan-2-300x200.jpg 300w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/wp\/carsome-preapproved-loan-2-768x513.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/p>\n<p><span style=\"font-weight: 400;\">For example, if you were pre-approved for a financing limit up to RM80,000. Then, you are able to calculate if you can sustain this RM80,000 car loan, which would be about RM1,400 based on an average interest rate of 3.50 percent (you can use our loan calculator <\/span><a href=\"https:\/\/www.carsome.my\/car-loan\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\">).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s a tip: you can use the 50\/30\/20 budget rule which is when 50 percent of your income goes to your needs, 30 percent to wants, and 20 percent to savings or paying off debt.\u00a0<\/span><\/p>\n<h2><b>2. Shop Comfortably Without Worry of Loan Rejection<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The conventional method of applying for car loans involves a lot of waiting and that doesn\u2019t even give you confirmation that you will be able to get the car you chose.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Banks can reject your application, especially if your debt service ratio (DSR) is high, indicating that you are not able to sustain the monthly repayment. This brings in the advantages of getting a pre-approved car loan because you can already confirm you are able to finance a car and all you have to do is choose one.\u00a0<\/span><\/p>\n<h2><b>3. Get Your Car Faster\u00a0<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">As we\u2019ve mentioned above, buying a car with a conventional loan involves a fair bit of waiting and on top of that, you would be unsure if the bank will grant you a loan for the car you have chosen. This means although you have picked out the car you want, and tediously arranged your documents for loan submission, there is still a chance that you won\u2019t be approved for the loan.\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/carsomemy.s3.ap-southeast-1.amazonaws.com\/wp\/carsome-pre-approved-loan-1.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-27501 aligncenter\" src=\"https:\/\/carsomemy.s3.ap-southeast-1.amazonaws.com\/wp\/carsome-pre-approved-loan-1.jpg\" alt=\"\" width=\"800\" height=\"533\" srcset=\"https:\/\/www.carsome.my\/news\/wp-content\/uploads\/wp\/carsome-pre-approved-loan-1.jpg 800w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/wp\/carsome-pre-approved-loan-1-300x200.jpg 300w, https:\/\/www.carsome.my\/news\/wp-content\/uploads\/wp\/carsome-pre-approved-loan-1-768x512.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/p>\n<p><span style=\"font-weight: 400;\">Hence, with a pre-approved loan, you would have surpassed that worry of rejection and focus on finding a car that you like.\u00a0 Once you find the car you want, the process is sped up and you can essentially drive your car home in a matter of days.\u00a0<\/span><\/p>\n<h2><b>So, How Do You Get a Pre-approved Loan?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Reasons as such are why CARSOME now offers pre-approved loans via CARSOME Capital. <\/span><span style=\"font-weight: 400;\">With this, you can get a CARSOME Pre-approval Certificate to purchase a CARSOME Certified car, and get your car delivered to you within one* working day.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">How do you apply? Here are the steps.\u00a0<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Get a CARSOME Pre-approval Certificate<\/b><span style=\"font-weight: 400;\">: Click on \u201cGet Pre-approved Now\u201d on <\/span><a href=\"https:\/\/www.carsome.my\/car-loan\"><span style=\"font-weight: 400;\">www.carsome.my\/car-loan<\/span><\/a><span style=\"font-weight: 400;\">, or click <\/span><a href=\"https:\/\/api.whatsapp.com\/send?phone=60192786993&amp;text=I%20am%20interested%20in%20Carsome%E2%80%99s%20pre-approved%20car%20loan\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\">. This will take you to a chat where you will need to submit your Identification Card (IC) and monthly income details to us. We will assess your application, and if it is successful, a CARSOME Pre-approval Certificate will be generated with your maximum loan amount, repayment period, and interest rate. <\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b style=\"font-style: inherit;\">Choose a CARSOME Certified Car<\/b><span style=\"font-weight: 400;\">: It\u2019s time to finally go browsing for cars. Once you get your CARSOME Pre-approval Certificate, you can head to our <\/span><a style=\"font-size: 16px; background-color: #ffffff;\" href=\"https:\/\/www.carsome.my\/buy-car\"><span style=\"font-weight: 400;\">website<\/span><\/a><span style=\"font-weight: 400;\"> to browse for a CARSOME Certified car and make your booking. Additionally, you can also talk to a CARSOME Consultant and browse for cars at any CARSOME Experience Center. <\/span>Once you make your decision, just show your <span style=\"font-weight: 400;\">CARSOME <\/span>Pre-approval Certificate to get your purchase finalized.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b style=\"font-style: inherit;\">Collect Your Car Instantly:<\/b><span style=\"font-weight: 400;\"> Bring your car home! You can get your car within one working day*. We can arrange for collection at a CARSOME Experience Center, or deliver it straight to your doorstep.<\/span><\/li>\n<\/ol>\n<h2><b>Buy a CARSOME Certified Car with Ease Now\u00a0<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Why buy a CARSOME Certified car? Well, CARSOME Certified cars are quality pre-owned cars that have passed a 175-point inspection and are refurbished to ensure safety beyond standards, complete comfort, and refurbished aesthetics.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With a wide selection of up to 30 brands, CARSOME Certified cars also come with the following promises:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Five-day money-back guarantee:<\/b><span style=\"font-weight: 400;\"> If you change your mind after purchasing a CARSOME Certified car, you can return it back to us within five days to get a full refund &#8211; no questions asked.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>One-year warranty: <\/b><span style=\"font-weight: 400;\">Our journey with you does not stop after you buy a car. We will give you an extended warranty to ensure your vehicle is covered in your first year.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">So if you are looking to buy a car, CARSOME \u2019s pre-approved car loan gives you the chance to drive away almost immediately once you have found a car you want.\u00a0 Plus, with monthly promotions, you get a chance to grab rebates, extra perks, and more.<\/span><\/p>\n<p><b>Read more: <\/b><a href=\"https:\/\/www.carsome.my\/news\/item\/monthly-car-promo\"><span style=\"font-weight: 400;\">CARSOME\u2019s Monthly Promotions\u00a0<\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\">With that, we hope you find your car with us and we wish you many safe journeys on the road.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">*Terms and Conditions apply.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Getting your loan pre-approved is a smart move and here\u2019s why.<\/p>\n","protected":false},"author":3,"featured_media":27503,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55,117],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pre-approved car loan: 5 Benefits of Applying Before You Buy a Car<\/title>\n<meta name=\"description\" content=\"Opting for a pre-approved car loan before you actually start shopping for a car could benefit you in these ways.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.carsome.my\/news\/item\/benefits-preapproved-car-loan\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Buying a Car? 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