Buyer
Seller
Buyer and seller
For sellers
Your buyer wants the car. Their bank says no.
So they walk away or offer less. Now your buyer can apply for the loan through us, and you pay nothing.
You’ve agreed on the price. We’ll handle the bank loan.
Buying a used car directly from its owner in Malaysia, or found a buyer for yours? Carzora helps arrange the bank loan and prepares the paperwork. Apply to three banks at once and track your deal in your Carzora account.
Free for sellers. RM999 flat fee for buyers.
Panel dealer for
Most banks won’t finance a private sale.
We’re their panel dealer.
For buyers
Found the car. Can’t get the loan.
Get bank hire purchase on a private sale, at the same rates you’d get at a dealer.
Four steps to close the deal.
Every deal needs paperwork. We prepare it for you.
We draw up all four documents for both of you.
Prepared by Glowtron Auto, the company behind Carzora.Registration PG0273431-H · Petaling Jaya, Selangor
Chat with our team
The buyer pays one flat fee. The seller pays nothing.
Same RM999 fee whether the car costs RM25,000 or RM250,000. You know the exact price before you start.
For buyers
RM999
RM100to start
RM899after loan approval
If all three banks decline, you don’t pay the remaining RM899.
Typical dealer fees: RM3,000 – RM5,000
For Malaysians buying a car 10 years old or newer.
I’m buying
For sellers
RM0
No commission or listing fees. We take care of your buyer’s loan application and the ownership transfer, right up to the handover.
You arrange the PUSPAKOM inspection and settle any existing car loan before the transfer.
I’m sellingRM999 covers
- Loan applications to three banks
- Loan and sale document preparation
- Application checks before bank submission
- JPJ transfer fee
Before you start
Chat on WhatsAppCan I get a car loan when buying directly from the owner?
Carzora arranges bank hire purchase for used cars bought directly from their owners in Malaysia through Maybank, Public Bank and Hong Leong Bank. Approval and loan terms depend on the bank’s assessment.
Do you list cars for sale?
No. Carzora isn’t a classifieds site. You find the car on platforms like Mudah, Facebook Marketplace, or through friends. Once you’ve agreed on the car and price, bring the deal to Carzora to handle the bank loan, paperwork, and ownership transfer.
Which cars qualify?
The car must be 10 years old or below, which is a bank financing requirement. Loan tenure is 1 to 9 years, subject to the bank’s assessment.
What documents do I need as a buyer?
Your IC, latest 3 months payslips, and 3 months bank statements. If the bank requests a guarantor, they can upload their documents directly via their own link without creating an account.
How do I use a linking code?
Whoever starts the deal sends the other a link. Open it and register. The code fills in by itself and links you to the same car.
What happens if my loan is declined?
If all three banks decline, you won’t pay the remaining RM899. The RM100 starting payment is not refunded.
Is Carzora really free for sellers?
Yes. No listing fees, commission or success fees. The buyer pays the RM999 fee.
Do I need to find my own buyer?
Yes. Carzora isn’t a classifieds site. List the car on platforms like Mudah or Facebook Marketplace, or tell friends. Once you’ve agreed on a price, create an account and send your buyer the linking code.
What are the car requirements?
The car must be 10 years old or below, which is a bank financing requirement. Loan tenure is 1 to 9 years, subject to the buyer’s bank assessment.
What documents do I need as a seller?
Just your IC and the vehicle grant.
When does the seller get paid?
The bank usually pays Carzora within about 3 working days. We then transfer the money to the seller’s account within 1 to 2 working days, often the same day. The seller receives a Payment Notice as proof of payment.
What if the car still has a loan?
The seller settles the existing loan before the car can change name. Cancelling the finance record in the JPJ system then takes about 3 working days. We recommend settling once the buyer’s loan is approved.
Does the car need an inspection?
Yes. The seller arranges the PUSPAKOM inspection directly and uploads the report to their Carzora account. Carzora is not involved in the inspection itself.
Agreed on a price? Start your deal.
Free for sellers. RM999 flat fee for buyers.