COEPLUS Customer Suite
User Guide
Everything you need to calculate your COE renewal cost, get personalised advice, generate your PDF quotation, and start your renewal — all in one place.
What is the COEPLUS Customer Suite?
A free, all-in-one tool for Singapore car and vehicle owners to explore, calculate, and begin their COE renewal.
The COEPLUS Customer Suite brings together everything a car or vehicle owner needs during the COE renewal process into a single, easy-to-navigate interface at coeplus.com/coeplus-customer-suite/.
COE Renewal Calculator
Calculate your exact monthly repayment with live PQP data from LTA.
AI Advisor — Chloe
Ask any COE question and get an instant, personalised answer 24/7.
PDF Renewal Report
Generate a professional quotation with bank rate comparisons.
Renew COE
Start your official COE renewal application via SingPass MyInfo.
How to Access the Customer Suite
No account or login needed — open the suite in any browser on any device.
Open your browser
Visit coeplus.com/coeplus-customer-suite/ on desktop, tablet, or mobile.
Select a tab
Use the tab bar to switch between Calculator, AI Advisor, PDF Report, and Renew COE.
Check the live COE prices bar
The scrolling ticker at the top shows the latest COE prices by category, updated after every LTA bidding exercise.
COE Renewal Calculator
Calculate your monthly repayment in under 60 seconds using live LTA data.
Input Fields
| Field | What to Enter | Notes |
|---|---|---|
| Vehicle Category | Cat A, B, C or E | Most private cars are Cat A (≤1,600cc) or Cat B (>1,600cc) |
| Renewal Term | 5 Years or 10 Years | 10 years gives lower monthly cost; 5 years if changing vehicles soon |
| Live COE Cost (PQP) | Auto-filled from LTA data | Click ↻ Refresh to get the latest bidding result |
| Loan Amount (S$) | How much you wish to borrow | Reduce for a down payment; leave at full PQP for 100% financing |
| Interest Rate | Rate in % p.a. (default: 2.48%) | Compare rates from 15+ partner banks below the calculator |
| Loan Tenure | 1–10 years | Default is 7 years; longer tenure = lower monthly, more total interest |
Reading Your Results
| Result Field | What It Means |
|---|---|
| Monthly Installment | What you pay the bank each month |
| Down Payment | PQP minus loan amount — your upfront cash payment |
| Total Interest | Total interest paid over the full loan tenure |
| Total Cost | Down payment + all monthly payments combined |
| Estimated Savings | Compared to buying a new vehicle of equivalent value |
Worked Example
PQP: S$119,432 · Loan: S$119,432 · Down Payment: S$0
Monthly: S$1,511 · Total Interest: S$7,280 · Total Cost: S$126,712
AI Advisor — Chloe
Your 24/7 personal COE advisor. Ask anything about COE renewal in plain English.
What Can You Ask Chloe?
- Should I renew for 5 or 10 years?
- What documents do I need for COE renewal?
- How does PQP work and when does it change?
- Which bank offers the best COE loan rate?
- What happens if my COE expires before I renew?
- Is it worth renewing my vehicle vs buying new?
- Can I finance COE renewal with an existing vehicle loan?
How to Use the AI Advisor
Click the AI Advisor tab
Select the 🤖 AI Advisor tab at the top of the Customer Suite.
Type your question
Type in plain English — no special format needed. Example: "My COE expires March 2027, should I renew now or wait?"
Get an instant answer
Chloe responds in seconds with a personalised answer. Ask follow-up questions to go deeper.
Connect with our team
Click Chat on WhatsApp at any point to speak with a human advisor.
PDF Renewal Report
Generate a professional, printable COE renewal quotation in under a minute.
What the Report Contains
- Your personalised renewal cost summary (PQP, Loan, Down Payment, Monthly, Interest, Total)
- Partner bank rate comparison (DBS, OCBC, UOB, Maybank, Standard Chartered, Hong Leong and more)
- Estimated savings vs buying a new vehicle
- COEPLUS.COM branding with contact details
How to Generate Your Report
Enter your details
Add your Name, Email, and Phone number — these appear on your personalised report.
Fill in COE details
Enter Category, Term, PQP, Loan Amount, Rate and Tenure — or use the Calculator tab first and values sync automatically.
Click Apply to Report
Click the green ✓ Apply to Report button. The preview on the right updates instantly.
Download as PDF
Click ⬇ Download PDF Report → your browser's print dialog opens → select Save as PDF. Only the quotation prints, not the rest of the website.
Renew COE
Start your official COE renewal application in one click.
The Renew COE tab takes you to the COEPLUS COE Renewal Application form, which uses SingPass MyInfo to securely pre-fill your personal, vehicle, and financial details from government records.
- Personal details (name, NRIC, address, date of birth)
- Employment and income information (CPF, NOA)
- Vehicle information (plate number, COE category)
Live COE Prices Bar
Real-time COE prices by category, shown at the top of the page.
| Category | Vehicle Type |
|---|---|
| Cat A | Cars up to 1,600cc and up to 130bhp |
| Cat B | Cars above 1,600cc or more than 130bhp |
| Cat C | Goods vehicles and buses |
| Cat E | Open category — any vehicle type |
Prices update after each LTA bidding exercise — the 1st and 3rd Wednesday of every month. The calculator uses the PQP (3-month moving average), not the latest bid price.
Getting the Most Out of the Suite
Recommended Workflow
Start with the Calculator
Enter your category, term, and loan preferences. Compare 5-year vs 10-year options using the toggle.
Ask Chloe your questions
Switch to the AI Advisor for personalised guidance — Chloe knows your calculation results.
Generate your PDF report
Switch to the PDF tab — your figures carry over automatically. Add contact details and download.
Apply when ready
Click the Renew COE tab and use SingPass MyInfo to begin your official application.
5-Year vs 10-Year Renewal
| 5-Year Renewal | 10-Year Renewal | |
|---|---|---|
| COE Cost | 50% of current PQP | 100% of current PQP |
| Monthly Payment | Higher per month | Lower per month |
| Best For | Planning to change vehicles within 5–7 years | Keeping your vehicle long-term |
| Flexibility | More flexibility to change sooner | Lower monthly commitment |
FAQ
COEPLUS earns a referral fee from partner banks when we successfully facilitate a COE loan. You get access to the full service at no cost, plus competitive rates from multiple banks negotiated on your behalf.
Yes. PQP is updated after each LTA bidding exercise. Click the ↻ Refresh button to load the very latest figure if you want to be certain.
PQP (Prevailing Quota Premium) is the 3-month moving average of COE prices for a category. For a 10-year renewal you pay 100% of PQP; for 5-year you pay 50%. It is set by LTA and changes after each bidding exercise.
Yes — up to 3 months before expiry. COEPLUS recommends starting at least 6 weeks before expiry to allow time for bank approval and processing.
COEPLUS works with 15+ partner banks including DBS, OCBC, UOB, Maybank, Standard Chartered, and Hong Leong Finance. We compare rates across all of them to find the best option for your profile.
No. Submitting details does not commit you to any loan or renewal. You receive a personalised quote and decide whether to proceed entirely at your own pace.
Typically: NRIC, vehicle log card, 3 months payslips or latest NOA, and CPF contribution history. Most can be retrieved automatically via SingPass MyInfo. Our team will guide you through any additional requirements.
Ready to Renew?
Choose your next action based on where you are in the process.
