Lay Auto In-House Car Financing
Drive the car you want, with car financing you can trust.
At Lay Auto, we make car ownership in Singapore simple.
Our competitive car financing plans, fast approvals, and transparent terms mean you can hit the road without stress.
Whether you’re buying a brand-new car or a quality pre-owned vehicle, our in-house team will guide you from paperwork to approval
no confusing term, no hidden surprises.
Calculate Your Monthly Instalment
Wondering how much your dream car will cost per month? Use our Car Loan Calculator below to estimate instalments instantly.
Documents You’ll Need
To speed up approval, have these documents ready when applying:
Singapore Citizen / PRs
NRIC (front & back)
Latest 3 months’ payslips or CPF Contribution History
Latest Income Tax Notice of Assessment
💡 Tip: Unsure which documents apply to you? Contact our team — we’ll guide you through the process step by step.
Foreigners / Expats
Passport & Employment Pass (valid for at least 1 year)
Proof of residence in Singapore (e.g. utility bill, tenancy agreement)
Latest 3 months’ payslips or company employment letter
Latest Income Tax Notice of Assessment (if available)
💡 Tip: Unsure which documents apply to you? Contact our team — we’ll guide you through the process step by step.
Companies / Corporate Buyers
Company’s ACRA BizFile (latest)
Director’s NRIC (front & back)
Latest 6 months’ company bank statements
Company’s latest financial statements (if applicable)
💡 Tip: Unsure which documents apply to you? Contact our team — we’ll guide you through the process step by step.
NRIC (front & back)
Latest 3 months’ payslips or CPF Contribution History
Latest Income Tax Notice of Assessment
💡 Tip: Unsure which documents apply to you? Contact our team — we’ll guide you through the process step by step.
Passport & Employment Pass (valid for at least 1 year)
Proof of residence in Singapore (e.g. utility bill, tenancy agreement)
Latest 3 months’ payslips or company employment letter
Latest Income Tax Notice of Assessment (if available)
💡 Tip: Unsure which documents apply to you? Contact our team — we’ll guide you through the process step by step.
Company’s ACRA BizFile (latest)
Director’s NRIC (front & back)
Latest 6 months’ company bank statements
Company’s latest financial statements (if applicable)
💡 Tip: Unsure which documents apply to you? Contact our team — we’ll guide you through the process step by step.
Why Choose Lay Auto Car Financing
- Fast loan approvals (1–3 working days)
- Flexible car financing plans for all budgets
- Clear, upfront rates with no hidden fees
- Refinancing options for lower monthly instalments
- Step-by-step guidance from start to finish
4 Step for Car Financing with Lay Auto
Share your needs
New car, used car, or refinance
Submit documents
NRIC, income proof, proof of residence
Get your loan offer
We find the most suitable car financing plan for you
Sign & drive
Approval in as little as 1–3 days
FAQs
We offer a range of car financing plans tailored to different budgets and needs — whether you're buying a new or used vehicle. Speak to us to explore what suits you best.
Yes, we provide refinancing options to help lower your monthly instalments or switch to a more favourable plan. Contact us to find out if you're eligible.
Generally, you'll need your NRIC, income documents (e.g. payslip, NOA), and proof of residence. Our team will guide you through the process.
Our financing rates vary based on loan type and tenure. Speak to us directly for the most accurate and up-to-date rate quote.
Get in Touch with us
Can’t find what you’re looking for? Reach out to our friendly team — we’re here to help!