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Auto loans, COE renewal, floor stock, and equipment financing — all in-house, with in-principle approval in as little as 3 working days.
Finance passenger cars or commercial vehicles for your fleet. Competitive rates across multiple lenders, fast approvals tailored to your business profile.
Spread the cost of COE renewal over time instead of a large lump-sum. Available for both passenger and commercial vehicles with flexible repayment terms.
Finance your vehicle inventory without tying up working capital. For automotive dealers who need to maintain stock levels while keeping cash free for operations.
Acquire machinery and equipment without large upfront costs. Finance up to 90% of new assets or 80% used, with repayment up to 5 years to protect cash flow.
80% for used assets — less capital required upfront
Match repayments to your revenue cycle
Move quickly when opportunities arise
From sourcing your asset to making your first repayment — most applicants complete the full process within 5–7 working days.
Get formal quotations from your supplier for the asset you need.
Submit your quotation and required documents for the HP application.
Receive in-principle financing approval within 3–5 working days.
Seller delivers your vehicle, equipment, or machinery as agreed.
We pay the seller directly once you confirm goods received.
You make monthly payments to Lay Auto for the tenor duration.
A recent copy of your company’s profile from the Accounting and Corporate Regulatory Authority (ACRA).
Audited accounts or certified financial statements for the past 2 to 3 financial years.
Most recent 3 months of company bank statements, subject to lender’s discretion and credit assessment requirements.
Commercial sales invoice or formal quotation from your supplier for the intended vehicle, equipment, or machinery purchase.
Found Lay Auto online and went ahead with a test drive. My dealer was Marvin and he has been exceptionally well with his service. Very transparent and always patience in responding to my request.
Did research on the reviews and found it to be true that their service is top notch. Gave me the assurance to go ahead and transaction with Lay Auto. Highly recommend for people looking to buy second hand car to look for lay auto or Marvin 👍.
Thanks for making the journey smooth and fulfilling 👍
Shoutout to Lay Auto Garage for their expertise! I was constantly facing problems with my car’s coolant system but I chanced upon Lay Auto Garage. Not only were they able to rectify the issues with my car, but they went above and beyond, ensuring that I was kept up to date throughout the entire repair process. The cost of repairs was also extremely reasonable compared to other workshops. Lay Auto Garage has my highest commendation!
In the past week I’ve been very impressed with Lay Auto ☘️ Joel has always been available for any issue that may come up with the car I’m renting even though I’m sure he has other drivers or matters to attend to 👍🏻 consistent excellence both before signing the contract and after 🙂 I realized I didn’t need to wait a month before giving them a five star ⭐️ I’m just one person but I hope it can help inform others of this gem
Also appreciate Fiona for her meticulous work 🌸 and Dillon, I think so, for being so hospitable during my first visit 💜 I’m thankful that they still have a modest car for me despite their portfolio of higher end car. Highly recommended!
Adjust the sliders to get an indicative monthly repayment. Final rates are subject to credit assessment.
Indicative figures using a flat interest rate method.
* Indicative only. Actual repayments, rates and fees subject to credit assessment and lender approval. Flat-rate calculation method used.
From sourcing your asset to making your first repayment — most applicants complete the full process within 5–7 working days.
Flexible terms up to 5 years to match your cash flow cycle.
In-principle approval within 3–5 working days upon full document submission.
About flat rates: Interest is calculated on the original principal for the full tenor. The effective interest rate (EIR) will be higher. Final rates depend on your company profile, asset type, and selected tenor.
Providing reliable Car Leasing and Rental solutions with expert service and a trusted track record since 1998.