MBB approved RM150k, 9 years for 2.63%

Issit because of the loan duration???

What is your loan amount? most banks offering 2.9% 

I am been offered around 2.2% by Affin, 6 years. Anyway my loan above 100 k and for non national car maybe that also explain low interest rate I am getting.

Also, when it comes to doing an EARLY full settlement of your car, ( eg when you sell off the car before the loan tenure ends ) the remaining balance settlement will be computed and generated by the bank system.  How much rebate (vs Interest incurred for late payment) you get at the end for early settlement is usually not very clear or transparent as it is SYSTEM generated. There has been no attempt to compare the performance of the banks in this respect and most of us just trust the figure that is being given to us. The only controlling body is Bank Negara and we just have to trust what is being given to the consumers is fair and true reflection of the loan account.