We help buyers get loans so sellers can close deals

Whether you're buying or selling, we handle the financing so you can focus on the car.

I'm Selling FREE I'm Buying RM999
100% FREE for sellers
RM999 flat fee
Panel dealer for:
2012 Jaguar XJL
Private sale RM45,000
vs
Platform offer RM23.8k
RM21,200 difference
WHY CARZORA

You've been here before.

Seller avatar
FOR SELLERS

Your Peugeot 3008…

RM32,000

Best we can do is RM18,000.
Ini kereta banyak susah jual!

The Dealer

They offer RM18k. They sell it for RM32k.

Dealers say “susah jual” to scare you into dropping your price. But here’s the truth: there’s a buyer for every car. The problem isn’t your car. It’s that you’re asking for cash when 95% of buyers need financing. Banks won’t lend for private sales—so buyers disappear. Dealers know this. That’s why they can lowball you.

Buyer avatar
FOR BUYERS

For Sale: 2018 Peugeot 3008

RM32,000

Cash only or arrange your own loan

Private Seller

“Arrange your own loan” means you’re on your own.

Most banks don’t finance private sales. Personal loans? 10%+ interest. So you either pay dealer markup or walk away from the car you actually want.

HOW IT WORKS

One code. Two parties.
Zero hassle.

Seller avatar
FOR SELLERS
1

List Your Car

Post on any platform as you normally would. No changes to your process.

2

Register with Carzora

Once a buyer is ready to proceed, sign up and get your unique linking code.

3

Share Your Link

Send it to the buyer. They register through it and the deal is bridged.

040ZX11Q Linking Code
Buyer avatar
FOR BUYERS
1

Find a Car

Browse private listings on any platform of your choice.

2

Use Seller's Link

Register via the seller's link to safely bridge the deal.

3

Get Financing

We submit to 3 major banks for the best approval rates.

Buyer and Seller

We handle everything else

Bank paperwork • JPJ transfer • Insurance coordination • Delivery

SEE IT IN ACTION

Track everything. Bother nobody.

Your entire journey from registration to car keys in one place.

Milestone tracker interface
NO MORE CHASING UPDATES

Know exactly where things stand. Always.

Is the loan approved yet? Did the bank respond? Should I follow up? Stop guessing. Our milestone tracker shows both parties exactly where things stand, in real-time. No awkward calls. No uncertainty. Just clarity.

  • Live status updates
  • Visible to both parties
  • Email notifications on major milestones
SIMPLE REGISTRATION

Upload your grant. We'll fill in the details.

Skip the data entry. Our AI reads your grant and fills in the vehicle details instantly. No typing, no mistakes, no hassle.

1

Personal details

Basic info and contact

2

Link accounts

Use the link to connect buyer & seller

3

Auto-Fill from Grant

Upload grant → AI extracts details → Done in seconds

Bank selection interface
YOUR CHOICE

Compare offers. Pick the best one.

We submit to 3 banks at once. Once approved, compare interest rates, monthly payments, and terms side-by-side. Choose the offer that works for you.

  • Rates from 3.x% to 4.x%
  • See total interest paid over loan term
  • Flexible 1-9 year loan periods
FOR BUYERS • RM999 FLAT FEE

You focus on buying.
We handle the financing.

Found the perfect car from a private seller? Don’t let “arrange your own loan” stop you. We get you bank financing for private sales.

Bank rates from 3.x%

(Not personal loan rates)

Approval in 5-7 working days

(Subject to complete documentation)

One flat fee, no hidden charges

(No scales. No percentages. No tiers. Just RM999 flat — and that's it)

Register Account Calculate My Loan

Only RM100 deposit required, balance upon loan approval.

What's included

RM999
Full Loan Facilitation

We handle everything from application to approval

JPJ Transfer

Ownership paperwork handled

Bank Documentation

Dealer-style invoices for banks

Typical dealer fees: RM3,000 - RM5,000
Carzora flat fee: RM999
FOR SELLERS • 100% FREE
Selling your car privately

Nobody knows your car like you do.

Dealers see a make and model. You see the service history, the care, the story. Sell it yourself and keep the difference.

Your car. Your price. Our financing.

We make sure your buyers can afford what you're asking.

Completely free for sellers

Zero fees. The buyer pays the RM999 processing fee.

Reach 80% more buyers

Most buyers need financing. Now they can get it for your car.

Perfect for niche cars

10 years old or below ( or newer) — bank requirement. Peugeot, BMW, Audi, VW—cars dealers undervalue but enthusiasts love.

Register Free Account

Vehicles must be or newer (10 years old or below) — a standard bank financing requirement.

HAVE QUESTIONS?
WE HAVE ANSWERS

Want to know more? You can email us anytime at support@carzora.com

The RM999 covers everything from loan submission to delivery. We apply to three banks simultaneously so you can compare offers and select the best rate, then manage the JPJ transfer, bank paperwork, insurance coordination, and delivery logistics. You pay RM100 to start; the remaining RM899 is only due once your loan is approved. If all banks decline, the balance is not charged.

The seller will give you a registration URL (looks like app.carzora.com/register?linkingCode=040ZX11Q). Copy that link, paste it in your browser, and register. The code auto-fills and links you to the seller and their car.

Most applications receive a decision within 5–7 working days.

We submit simultaneously to Public Bank, Maybank, and Hong Leong Bank. Once all offers are returned, you review them side by side and choose the most competitive rate.

If all three banks decline, the remaining RM899 is not charged. The RM100 deposit covers our initial processing costs and is non-refundable, but your total exposure is capped at RM100.

Yes, provided the vehicle is 10 years old or below ( or newer)—a standard bank financing requirement. Carzora works especially well for brands like Peugeot, BMW, Audi, and Volkswagen, where private buyers consistently achieve better valuations than dealerships offer.

Completely free. There are no registration, listing, or success fees for sellers. The RM999 processing fee is paid by the buyer—you pay nothing at any stage.

The outstanding loan will need to be settled with your bank before the transfer can be processed. Once that is confirmed, we can proceed with the sale.

When you register, you get a unique URL (like app.carzora.com/register?linkingCode=040ZX11Q). Share that link with interested buyers. When they use it to register, you're automatically linked.

List on your preferred platform — online marketplaces, social media, or classified sites. Once a buyer shows interest and wants to proceed, share your Carzora link with them directly.

Your IC and the vehicle registration card (grant) are all that's required upfront. Once the buyer's loan is approved, we manage all subsequent paperwork on your behalf.

A biometric thumbprint is required as part of the transfer process, but this is done at our office—not at JPJ. There is no queuing involved. We handle all remaining steps on your behalf.

Any vehicle 10 years old or below ( or newer) qualifies—a standard bank financing requirement. Carzora is particularly effective for brands like Peugeot, BMW, Audi, and Volkswagen, where private sellers typically achieve stronger prices than the trade-in market offers.

2012 Jaguar XJL

Why We Built Carzora

The Opportunity We Saw

A seller came to our dealership with a 2012 Jaguar XJL. An instant-cash platform offered him RM23,800. He knew the car was worth more — fair market value was around RM45,000.

The Numbers Don't Lie

Platform Offer RM23,800
Private Sale Price RM45,000
RM21,200 left on the table (89% difference)

The Problem

We helped him list privately for RM45,000. Dozens of interested buyers contacted him. Almost all asked the same question:

  • "Can you arrange financing?"
  • Banks don't lend for private sales — only dealer purchases
  • Personal loans charge 10%+ interest. Most buyers can't afford that
  • So buyers walk away, even when they love the car

He got lucky — after 3 weeks, a cash buyer paid RM45,000. But most sellers aren't this patient or fortunate.

The Solution: Carzora

We realized: private sales get better prices, but die from lack of financing.

  • ✓ We give your private buyers bank financing (3-4% rates, not 10%+)
  • ✓ When someone wants your car, they can actually afford it
  • ✓ You get your asking price — not the dealer's lowball

Your Turn

Don't leave RM20k+ on the table. Sell privately, keep the difference. We'll make sure your buyers can pay.

Start your private sale today.

I'm Selling FREE I'm Buying RM999
HIRE PURCHASE CALCULATOR

Loan Calculator

Estimate your monthly installment.

RM
RM
10% of car price
%
Typical: 2.5% - 4.5%
1yr 3yr 5yr 7yr 9yr
MONTHLY INSTALLMENT
RM 600
/month for 84 months
Loan Amount RM 40,500
Total Interest RM 9,923
Total Payable RM 50,423

Flat rate estimate. Actual rates may vary.

Ready to finance? Get Started