Still can be adjusted. Call up Maybank and ask to renegotiate for a lower loan amount. Since they've already approved you for one, it'll be easy to adjust to a new amount. Do take note that, depending on the difference, the interest rate might go up slightly. Cuz now, you are borrowing less. You can nego the rates too.. Hint, tell you've already gotten approved for a lower rate x% by another bank.. See how.

I spoke to a loan officer. It's much easier to reduce the loan compared to asking for more. Usually, the lower the loan amount, the higher the interest rate but I suppose it's up to your nego skill with the loan officer. As mentioned by voncrane, you just need to make a phone call to the branch you applied, no need to physically go there.

Has your car arrived? I see that you are signing the doc on Monday. I signed my doc on the day I was ready to pay down payment after confirming the car had indeed arrived. You can call Maybank main line to ask for the procedure. I was told the same - only need to sign when car arrives and you can even arrange for the bank to send a representative to the showroom on the day you pay the d/p. The choice is yours.

How's your car purchase? Today is last day b4 sst.
Do you have bad credit score?