As far as I know, most banks are fixed, if you qualify, you will be offered the same rate, which is entirely based on the car model, loan tenure and amount.
If not mistaken, some banks like Ambank may rely on credit scoring and risk analysis in determining the final interest rate offered to the hirer. If hirer is considered high risk, then the interest % is also higher.

As far as I know, most banks are fixed, if you qualify, you will be offered the same rate, which is entirely based on the car model, loan tenure and amount.
If not mistaken, some banks like Ambank may rely on credit scoring and risk analysis in determining the final interest rate offered to the hirer. If hirer is considered high risk, then the interest % is also higher.