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Pre-Qualified Auto Financing Loan Promotion

  1. The Pre-Qualified Auto Financing Loan Promotion (the “Promotion”) is available from the date of the direct mailer or email extending an invitation to you to participate in this Promotion (the “Invite”) to the day before the date falling 4 months from the date of the Invite (both dates inclusive) (the “Promotion Period”). This Promotion is open only to customers that have received the Invite. By submitting a new application as per Clause 2(a) below, you agree to be bound by these terms and conditions.


  1. You will qualify for this Promotion (as defined above) if you meet all of the following criteria:
    1. You submit a new application for Auto Financing offered by Standard Chartered Bank (Singapore) Limited (“Bank” and the application, the “New Application”) within the Promotion Period. Please note that your New Application still remains subject to the Bank’s final review and the Bank has the right to determine whether your New Application will be approved in its sole discretion;
    2. Your New Application is submitted through one of our preferred auto dealers. For more information on how you can submit your New Application through our preferred dealer, please call our 24-hour Client Contact Centre at +65 6747 7000;
    3. Your New Application is submitted together in accordance with Clause 2(b) above with the original Invite. For the avoidance of doubt, if your New Application was approved, but the original Invite was not submitted at the same time as your New Application, you will not be eligible for this Promotion;
    4. The hire period of the loan which is the subject of the New Application is at least 4 years;
    5. The loan amount (as indicated in the new hire-purchase agreement to be entered in respect of the New Application) is at least S$20,000 and up to a maximum of the loan amount set out in the Invite. For the avoidance of doubt, if the loan amount is below the minimum or above the maximum loan amount, you will not be eligible for this Promotion;
    6. Your New Application is subject to compliance with all relevant prevailing regulatory requirements;
    7. Your New Application is approved by the Bank, and the approved loan amount in respect of the New Application (“New Amount”) is disbursed; and
    8. Before the New Amount is disbursed, the Bank and you enter into a new hire-purchase agreement in respect of the New Application that is approved by the Bank.

Promotion Mechanics

  1. If you satisfy the qualifying criteria set out in Clause 2 above, you will be eligible to enjoy exclusive promotional interest rates of either 0.10% p.a. off our prevailing interest rates applicable at the date of submission of the New Application, or any other special interest rate offered by us at our preferred dealers, whichever is lower. For the avoidance of doubt, please note that our current prevailing interest rates are subject to change from time to time, with or without prior notice. Any such change in our current prevailing interest rates will impact the exclusive promotional interest rates available under this Promotion.
  2. The reference to a “pre-qualified” auto financing loan means that you are not required to submit any income documents or declare any debt obligations at the point of submission of the New Application provided that the Invite is presented at the time of submission pursuant to Clause 2 above. You are still required to provide a copy of your identification document and copy of sales agreement between you and the relevant auto loan dealer.
  3. The “pre-qualified” auto financing loan you apply for in accordance with Clause 2 above is subject to the Bank’s successful review of your Credit Bureau information at the point of submission of your New Application.


  1. This Promotion is not transferable, and is only valid for the auto financing customer who has received this Invite from the Bank (“you”).
  2. By participating in this Promotion, you consent to the use of your personal data for marketing purposes, including but not limited to the use of your telephone number to contact you about products and promotions offered by the Bank from time to time via telephone, SMS or multimedia messaging. Such consent will also prevail even if you are registered or subsequently register your contact information with the national Do Not Call Registry.
  3. The Bank may vary, modify, add, delete or otherwise revise any of the terms and conditions governing this Promotion or to terminate, withdraw, extend or shorten this Promotion at any time at the Bank’s sole discretion, with or without prior notice or reason.
  4. The Bank reserves the right to determine at its sole and absolute discretion all matters arising out of or in connection with this Promotion, including your eligibility for this Promotion. The Bank’s determination of all matters relating to this Promotion shall be final and binding and no correspondence will be entertained.
  5. In the event of any inconsistency between these terms and conditions and any brochures, marketing or promotional materials relating to this Promotion, these terms and conditions shall, to the extent of such inconsistency, prevail.
  6. If any of the provisions above shall be, or at any time shall become invalid, illegal or unenforceable in any respect, such invalidity, illegality or unenforceability shall not in any way affect or impair any other provisions set out above or any provision of the Current Agreement (as defined in the Invite) or the new hire-purchase agreement entered in respect of the New Application.
  7. Please read these terms together with our Customer Terms, Auto Financing Terms and any other product terms that may be applicable in conjunction with this Promotion (collectively, “Other Terms”). If there are any inconsistencies between these terms and the Other Terms, these terms prevail only to the extent of such inconsistencies.
  8. The terms of this Promotion set out herein are governed by and shall be construed in accordance with the laws of the Republic of Singapore and you agree to submit to the exclusive jurisdiction of the courts of the Republic of Singapore.
  9. A person who is not a party to the terms of this Promotion has no rights under the Contracts (Rights of Third Parties) Act (Cap. 53B) to enforce any of the terms of this Promotion.
  10. Unless otherwise defined in this Promotion, all expressions used in this Promotion shall have the same meaning given to them in the Customer Terms, Auto Financing Terms and the Invite (as applicable).
  11. All information is accurate at the time of publication.