EZadlori Loan & Financing Options
💡 Flexible Financing Tip with ezadlori.my: While a standard 15% down payment keeps monthly commitments low, we can customize your loan structure with a lower down payment to protect your operational cash flow. A smaller upfront investment slightly increases your monthly installment, but keeps vital capital inside your business when you need it most.
Choosing the right financing option depends on your business history, documentation availability, and approval timeline.
| Feature | Option 1: Bank Loan (Hire Purchase) | Option 2: Credit / Leasing Company |
| Best For | Established SMEs with strong credit | Startups, new SMEs, or limited credit history |
| Average Interest Rate | ~3.8% p.a. (Flat) | ~more than 4.xx% p.a. (Flat) |
| Down Payment | 15% OTR | 15% OTR (May require 2+1 upfront) |
| Loan Tenure | Up to 7 Years | Up to 5 Years |
| Approval Time | ~1 to 2 Weeks (can know approval eligible within few days) | ~1 to 2 Weeks (can know approval eligible within few days) |
| Key Requirements |
6-month bank statements, SSM fullset, Director's IC front & back |
6-month bank statements, SSM fullset, Director's IC front & back |
Monthly Installment Quick Reference
With ezadlori.my, you aren't locked into a strict 15% down payment—I can adjust it lower to fit your immediate cash flow, keeping your upfront costs minimal while slightly adjusting your monthly installment😇.
Here is simple calculation of lorry loans, hence the higher interest calculated;
1. RM 150,000 Commercial Lorry (Loan Amount: RM 127,500)
🧮5-Year Tenure: ~RM 2,350/mo (Bank @ 3.8%) vs. ~RM 2,450/mo (Credit Co @ 5.5%)
🧮7-Year Tenure: ~RM 1,800/mo (Bank @ 3.8%) vs. ~RM 1,900/mo (Credit Co @ 5.5%)
2. RM 180,000 Commercial Lorry (Loan Amount: RM 153,000)
🧮5-Year Tenure: ~RM 2,850/mo (Bank @ 3.8%) vs. ~RM 2,950/mo (Credit Co @ 5.5%)
🧮7-Year Tenure: ~RM 2,150/mo (Bank @ 3.8%) vs. ~RM 2,300/mo (Credit Co @ 5.5%)
3. RM 210,000 Heavy Commercial Lorry (Loan Amount: RM 178,500)
🧮5-Year Tenure: ~RM 3,300/mo (Bank @ 3.8%) vs. ~RM 3,450/mo (Credit Co @ 5.5%)
🧮7-Year Tenure: ~RM 2,500/mo (Bank @ 3.8%) vs. ~RM 2,650/mo (Credit Co @ 5.5%)
How I Can Help Your Business Secure Approval
As an experienced Truck Sales Advisor, I bridge the gap between business owners and financial institutions to secure fast, hassle-free approvals:
👍Rate Comparison: Compare top panel banks and credit leasing companies to land the lowest interest rate.
👍Doc Preparation: Optimize SSM documents, bank statements, and company profile to prevent bank rejections.
👍Fast-Track Approvals: Expedite submission processes directly with loan officers.
👍Cashflow Matching: Structure down payments and tenures tailored to your operational budget.
Disclaimer: All figures and interest rates shown are estimates for illustration purposes. Final rates and terms depend on official credit evaluations, bank approval, and individual credit risk profiles.
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📞 Contact Ezad – 017 661 7101
Click here to direct Whatsapp me
Let’s talk about your needs:
✅ Get full specifications
✅ Arrange a test drive
✅ Discuss financing options
Your next truck has already proven itself — across three continents, over 7 million kilometers.
Author: Ezad Alfuso, Truck Sales Advisor at Petaling Jaya.