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MCAR Dealership — Home

MCAR Financing

DRIVE TODAY,
PAY YOUR WAY

Flexible financing plans designed for Cambodia. Competitive rates, fast approval, and no hidden fees — so you can focus on the drive, not the paperwork.

Fast Approval

Decision within 24 hours

No Hidden Fees

Transparent pricing always

Competitive Rates

Starting from 5.9% p.a.

Dedicated Support

Personal advisor assigned

Choose Your Plan

FINANCING PLANS

Standard Plan

12 Months

8.5% per annum

Short-term plan for buyers who want to pay off quickly and minimize total interest.

  • Lowest total interest paid
  • Quick ownership
  • Flexible early payoff
Most Popular

Popular Plan

36 Months

6.9% per annum

Balanced monthly payments with competitive interest — our most chosen plan.

  • Balanced monthly payment
  • Competitive interest rate
  • No hidden fees
Lowest Monthly

Extended Plan

60 Months

5.9% per annum

Spread payments over 5 years for maximum affordability on premium vehicles.

  • Lowest monthly payment
  • Best for premium vehicles
  • Flexible terms

Loan Calculator

Compare Amortisation vs Flat Interest side by side

$
$5,000$200,000
$
$0$30,000
mo
1 – 120 mo

Amortisation

Reducing balance — interest decreases monthly

%

$771

per month × 36 mo

Loan Amount$25,000
Total Interest$2,748
Total Repayment$27,748

Flat Interest

Fixed interest on full principal — simple & predictable

%

$838

per month × 36 mo

Loan Amount$25,000
Total Interest$5,175
Total Repayment$30,175
Flat interest costs $2,427 more in total interest than amortisation at this rate.

Loan Eligibility Estimator

Enter your monthly income to see if you qualify based on a 40% debt-to-income ratio.

$/ per month

Enter your monthly income...

* This is an estimate only. Actual eligibility depends on credit history, employment, and lender criteria.

Common Questions

FREQUENTLY ASKED

What documents do I need to apply?
You'll need a valid Cambodian ID or passport, proof of income (pay slip or bank statement), and a recent utility bill or proof of address. Our team will guide you through the process.
How long does approval take?
Most applications receive a decision within 24 hours. Once approved, you can drive your vehicle within 1–2 business days after completing the paperwork.
Is there a minimum down payment?
We recommend a minimum down payment of 10–20% of the vehicle price to keep monthly payments manageable, but this can be discussed with your financing advisor.
Can I pay off my loan early?
Yes. MCAR financing plans allow early repayment with no penalty fees. Paying off early reduces your total interest paid.
What vehicles are eligible for financing?
All new and certified pre-owned vehicles in our inventory are eligible. We can also discuss financing for vehicles you've found elsewhere.

READY TO GET STARTED?

Call our financing team directly or submit your application online.

CALL 085 913636