Normally bank in Malaysia will give higher % of interest for local car ie proton. No matter how much is your D/P, the rate of proton will be around 3.5-4%...don't know why..

Why go for Islamic loan seems like the rate of "interest" is higher than conventional..? For me, the islamic banking in malaysia was not the true islamic concept, just a name only.. Just look the rate if you buy a house..OMG..
If you wallet is thick then no harm bro..

Some of the common bank will more easier to get the loan coz hire purchase is their main business. Go for Maybank or CIMB, i had my 2 cars with maybank loan so far not much problem to get approval. Keep public bank as your last choice bcoz their interest in quite high and demanding you to put more for your D/P..( scare you cannot finish the loan.. )

Just my 2 cent of opinion...