Hire Purchase
Whether you are Financing for new, second-hand and reconditioned motor vehicle or looking for a lorry for your business, we have the right vehicle financing package for you.
Your mobility is our priority. Therefore, we’ve put our Hire Purchase plan together to allow you to drive off comfortably knowing that you
- will save more, thanks to our competitive rates
- will enjoy an attractive margin of finance
- will save time and hassle through our speedy approval process
- can enjoy a flexible repayment period up to 9 years
- can enjoy the convenience of paying your instalments through our multi delivery channels or at any of the branches of our extensive network
- can enjoy the convenience of paying your motor insurance and renewal of road tax
Hire Purchase Margin of Financing & Maximum Duration
Passenger Vehicles
| Age of Vehicles | Maximum Margin of Financing | Maximum Duration |
| New | Up to 90% | Up to 108 months |
| Up to 3 years | Up to 90% | Up to 108 months |
| Above 3 to 8 years | Up to 90% | Up to 84 months |
| Above 8 to 10 years | Up to 85% | Up to 72 months |
| Above 10 to 12 years | Up to 80% | Up to 36 months |
Commercial Vehicles (with BDM not exceeding 5000kg)
| Age of Vehicles | Maximum Margin of Financing | Maximum Duration |
| New | Up to 85% | Up to 84 months |
| Up to 8 years | Up to 80% | Up to 60 months |
Commercial Vehicles (with BDM exceeding 5000kg)
| Age of Vehicles | BDM (kg) | Maximum Margin of Financing | Maximum Duration |
| New | Above 5,000 to 10,000 | Up to 80% | Up to 60 months |
| New | Above 10,000 | Up to 75% | Up to 60 months |
| Up to 5 years | Above 5,000 to 10,000 | Up to 75% | Up to 48 months |
| Up to 5 years | Above 10,000 | Up to 70% | Up to 48 months |
- Click here to view our hire purchase rates and fees
- PTCapital Sdn Bhd reserves the right to vary the terms & conditions at our absolute discretion.
Documents Required for Individual Applicants
Document Requirements
- A) Bekerja / Employed
- Slip gaji 3 hingga 6 bulan terakhir / Latest 3 to 6 month payslips
atau / or
- Penyata EA Terakhir / Latest EA Statement
Dan mana-mana satu daripada yang berikut: / And one of the following:
- Penyata KWSP (terakhir tidak lebih daripada 1 tahun) / EPF Statement (latest not more than 1 year)
atau / or
- Penyata Cukai dan Resit Cukai Terakhir / Latest Tax Returns and Tax Receipts
atau / or
- Surat Tawaran Bekerja/ Pengesahan Majikan / Employment Letter/ Employer confirmation
atau / or
- Penyata Akaun Semasa/ Buku atau Penyata Akaun Simpanan 3 bulan terakhir / Latest 3 months Current Account Statement/ Savings Account Passbook or Statement
- B) Bekerja Sendiri / Self-Employed
- Penyata Cukai dan Resit Cukai bagi tahun terakhir / Latest 1 year Tax Returns and Tax Receipts
atau / or
- Penyata Akaun Semasa/ Buku atau Penyata Akaun Simpanan 6 bulan terakhir / Latest 6 months Current Account Statement/ Savings Account Passbook or Statement
Apa-apa dokumen pendapatan tambahan mungkin diperlukan mengikut budi bicara mutlak PacTCapital / Any additional income documents may be required at the absolute discretion of PacTCapital.
Code of Ethics on Repossession
- The responsibility of permit holders:
- permit holders must ensure that they are in possession of current and valid permit during the course of carrying out repossession work.
- as far as possible the number of authorised permit holders performing repossession activities must be minimized unless circumstances warrant any additional assistance.
- repossession work can only be carried out daily from 9 am to 9 pm.
- Permit holders issued with a repossession order by owner should only gain entry into premises with the knowledge and consent of the occupant. Trespassing into private property is not allowed without a court order obtained by the owner.
- Permit holders issued with a repossession order by the owner should be well mannered and dressed decently. They should ensure the practice of professionalism and dignity in carrying out their work.
- The use of “strong arm tactics” of any kind is strictly prohibited in the performance of their work.
- produce his permit, national registration card and give a standard notice to the hirer informing him of the address and telephone number of the legal owner and the authorised officers he/she can contact immediately to resolve any problem.
- give a reasonable time to the hirer to inspect the motor vehicle or goods and remove his personal items and belongings.At the time of repossession, the permit holders should :
- take photographs of the interior and exterior of the motor vehicle or goods and provide such photographs to the legal owner