Collect standard documents from the customer — NRIC, last 3 months' payslips or CPF statements, and vehicle details. Enter all information into the submission system once. Ensure all documents are complete before routing to avoid rejection due to missing materials.

The system simultaneously sends the application to all integrated financiers relevant to the customer profile and vehicle type. No repeated data entry is required at this stage.

Financiers independently assess the application and return approval decisions, conditional offers, or rejections. The dealer reviews all responses in one place, comparing interest rates, loan amounts, and tenure options.

Present the most suitable approved offer to the customer, explaining key terms clearly. Once the customer agrees, proceed with the financier's standard documentation and disbursement process.

Choose a vehicle and discuss financing details with the dealer, including loan amount, down payment, tenure, and monthly affordability. Ensure clear communication about your financial preferences and constraints.

Submit required documents to the dealer for financing assessment. Salaried employees should provide NRIC, proof of income (e.g., CPF, payslip), and bank statements. Self-employed individuals need Notice of Assessment and business financial records.

The dealer submits the financing application to one or multiple financial institutions. Increasingly, digital workflows support multi-financier submissions for faster processing.

The financier evaluates the application based on the borrower's income profile, credit score, debt servicing ability, MAS loan-to-value restrictions, and internal risk appetite. Approval is not guaranteed even if MAS limits are satisfied.

Once approved, confirm financing terms and sign the hire-purchase agreement. Dealers assist in coordinating the legal documentation process.

After loan approval, the dealer manages the vehicle registration process, fund disbursement, and schedules vehicle collection for the customer.