(if you worried so much why not...) bro i just bring my 3 month salary to the bank.. ask for Car loan, bank loan officer take my payslip copy my IC/driver next day approve Easy.. go to Car showroom talk SA and say u want to buy car and give bank loan a call he sorted the fund and now i wait for my car...

that depend on the Bank.. But Proton interest is from 2.8% to 3.3% (bank muamalat/Bank rakyat interest depend on amount loan deposit u pay car) Honda(or other import car) 2.2% to 2.8% (bank BSN is lowest but to be bumi if not mistaken la.. and AM bank i get 2.46% for my nissan car but i take 5 year 90% loan)

sorry i dunno... i never exp buying secondhand car and if not mistaken i been told it is higher for used car.. roughly 3.5%-4.5%+ that also im not sure la.. x

hm Tan Chong also have their own Car loan(provide interest rate 2.7-2.9% if customer fail get bank ) but i apply with AM bank interest rate is 2.46% (for 5 year la i can confirm as what i got week ago buy Sylphy) x

Gov officer(Doc/lecture/teacher with gov) 24 hour approve(not apply to kerani level) if PLC (private limited company) eh depend on how well company you work for(known or not) and how long you work there (full time) **what a bank officer(friend) told me sometime bank loan try their best to get you loan, so he got commission lolx

get AM bank. i manage to get 2.46% sure u can ask abit.. less but my loan is RM118K 5 year loan.

yeah better than nothing do know that their Interest go up and down.. also depend on the loan officer.