[iScoupe]

seriously car loan in singapore is the most easy to calculate. just the term & condition like lock up period, minimum loan & period to enjoy low interest only ma.. if want cash back then go take high interest like 3.5% - 4.5%.
conclusion ,
if you have lump sum & high risk taker, take low interest car loan & invest the rest in market to leverage the car loan.
if you low risk, fully paid the car & dun think abt it.
my 5 cents onion...