Public Bank works freakin fast.. I sent in my loan application and documents for a used 2013 kia cerato at lunch time at about 1pm yesterday.. 4pm they called my boss to confirm my employment. At 7pm, I received SMS that my loan has been approved. Down payment RM22k. RM38k loan at 3.68% for 5 years.

I'm still waiting for Hong Leong and maybank to get back to me. I will chose the bank that can give me the best rates