Where is your office located? For me car loan shouldn't be the first thing come to your mind. Take the bus+ Grab or simply bus if your office is located within the bus route. Do not commit because otherwise you cannot have the freedom to achieve your dream job.

Also, check your employment book usually attach with your offer letter, how long do you need to serve under probation period? Usually 2 weeks to 1 month if you are under probation period.

RM3,750.00 is really good for a fresh graduate and you know you are not going to get this much in Sabah.

Few options:

1. Tell them you need more time to revert or

2. Negotiate the salary or

3. Accept the offer (at the same time actively looking for other job of your liking, only do this if your notice period in 2 weeks to 1 month).

You are at advantage since you are earning RM3750.00 already, easy to nego a slightly higher salary.

Then, negotiate with the new company on your reporting date and at the same time serving the old company 2 weeks/ 1 month notice.

But HR will hate you la.

By the way, earning less than RM4,000.00 is entitled to OT.