Renew or replace? Most owners guess. We work it out.
After 10 years, your van or lorry has two choices: renew COE or change vehicle. The numbers are not simple. COE, rebate, loan, monthly payment — we work it out both ways and tell you straight.
No admin fees. We work out the numbers and tell you straight.
Latest published COE results
June 2026 bidding
Source: LTA OneMotoring · indicative only
Cat A
Cars up to 1,600cc & 97kW
Cat B
Cars above 1,600cc or 97kW
Cat C
Goods vehicles and buses
Cat E
Open category
Estimated COE renewal instalment
Based on current PQP, indicative rate and maximum tenure for each renewal period.
5-year (50% PQP · 60mo) & 10-year (full PQP · 84mo)
Cat A
2.78% p.a.Cars up to 1,600cc & 97kW
5-year renewal
- Renewal amount
- S$61,658
- Tenure
- 60 months
10-year renewal
- Renewal amount
- S$123,315
- Tenure
- 84 months
Cat B
2.78% p.a.Cars above 1,600cc or 97kW
5-year renewal
- Renewal amount
- S$62,353
- Tenure
- 60 months
10-year renewal
- Renewal amount
- S$124,705
- Tenure
- 84 months
Cat C
3.68% p.a.Goods vehicles and buses
5-year renewal
- Renewal amount
- S$44,184
- Tenure
- 60 months
10-year renewal
- Renewal amount
- S$88,368
- Tenure
- 84 months
Estimate only. Final approval and loan terms are subject to the finance company's assessment. No admin fees.
›View detailed results table
| Category | Quota | QP | PQP | Received | Successful |
|---|---|---|---|---|---|
| Cat A | 1,251 | S$123,847 | S$123,315 | 1,768 | 1,245 |
| Cat B | 883 | S$123,502 | S$124,705 | 1,202 | 879 |
| Cat C | 291 | S$93,001 | S$88,368 | 390 | 280 |
| Cat E | 262 | S$129,002 | N.A. | 487 | 254 |
Calculator below covers Cat A, B, and C only.
Loan calculator
COE renewal loan
5-year renewal autofills 50% of PQP; 10-year autofills the full PQP. Final terms are set by the financing partner.
5y caps loan at 60 months; 10y caps at 84 months.
Indicative · via HL Bank
Monthly repayment
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Total interest
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Total repayment
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Estimate only. Final approval and loan terms are subject to the finance company's assessment. No admin fees.
Three real choices when your COE is up.
The right answer depends on the vehicle's condition, your road-tax and usage pattern, and what the prevailing PQP is quoting. We walk you through it before you commit.
Renew for 5 years
Pay 50% of the prevailing PQP. The vehicle is up for renewal again in 5 years and can no longer be exported or scrapped for COE rebate afterwards. Loan tenure caps at 60 months.
Renew for 10 years
Pay the full prevailing PQP. The vehicle keeps full transferability and a future rebate window. Loan tenure caps at 84 months.
Deregister and upgrade
Replace the vehicle. We help you line up the next purchase, time the deregistration, and minimise downtime in the gap.
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