Press release
Malaysia Auto Finance Market Revenue, Market Top Players, Market Analysis, Market Trends and Future Outlook to 2029
The Malaysia auto finance market has positioned itself as one of the most mature and structured financing environments in Southeast Asia. The country has a strong consumer reliance on credit for vehicle ownership, with over 85% of new vehicles financed through formal loan channels. In 2024, Malaysia recorded a Total Industry Volume of 830,000 vehicles. Thus, signalling stable demand even amid rising prices and evolving buyer preferences. Additionally, average auto loan tenures have expanded to 7-9 years, driven by higher vehicle prices and demand for lower monthly instalments. The country begins to transition toward electric vehicles, with EV registrations accounting for 2.5% of total vehicle sales in 2024.
Malaysia Auto Finance Market Emerging Growth Drivers
• Nearly 50% of auto loan applications in Malaysia are now initiated and processed digitally, indicating a structural shift from manual to online platforms. Banks such as CIMB and Maybank have rolled out fully digital application journeys with same-day or 48-hour approval, improving time-to-funding and user experience.
• Government targets include 10,000 public chargers by end of 2025, with continued tax exemptions for EVs and chargers under Budget 2025. As of 2025, electric vehicle registrations accounted for 3.21% of total vehicle sales, more than doubling year-over-year. Green financing opens new lending verticals and aligns with ESG-focused consumer behavior, making EV finance a high-growth niche within auto lending.
• The stable consumer demand driven by wage support and loan flexibility is also influencing the auto finance market. Despite a 40% MoM dip in early 2025 sales due to seasonal effects, full-year projections remain steady between 600k-850k units. This is supported by consumer sentiment and credit availability.
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Malaysia Auto Finance Market Competitive Landscape
The Malaysia auto finance market is moderately concentrated, with major players including Maybank, CIMB, and Public Bank dominating the market landscape. Maybank financed over 100,000 vehicles in 2024, with a 52% increase in brand value. The bank launched its "Autofest Gong Xi Raya" campaign in 2025, offering incentives such as travel vouchers worth up to RM 59,100 to stimulate new loans. CIMB has rolled out Zero Down Payment schemes, which increased its loan volume by 15% YoY. The bank is targeting 10% of its auto loan originations to be fully digital by H2 2025, enhancing convenience and reducing friction in the loan process. Meanwhile, Public Bank captured 33.5% of Malaysia's EV finance market in early 2025 due to "Paint the Town Green" campaign featuring 0.38% p.a. loan rates for models like the Leapmotor C10.
Get an In-Depth Analysis of Malaysia Auto Finance Market [2023-2029] @ https://www.tracedataresearch.com/industry-report/malaysia-auto-finance-market
Recent News
April 2025: Public Bank and Stellantis-led "Paint the Town Green" initiative launched in April, offering sub-0.4% EV loans for Leapmotor C10 and signaling aggressive green finance ambitions.
February 2025: Leapmotor's C10 entry into Malaysia gained traction with financing terms packaged by banks during early 2025.
January 2025: The 2024 Auto Finance Digital Transformation Index from Wolters Kluwer showed a 32% YoY jump in digital adoption among lenders, underscoring a sustained 106% four-year growth trend since Q4 2020.
Malaysia Auto Finance Market Future Outlook
The Malaysia auto finance market is set to undergo major transformations, driven by expanding green mobility, increased financial digitization, and evolving vehicle ownership trends. As tax exemptions for fully imported EVs expire by end of 2025, automakers are racing to localize assembly. Electric vehicles share in new vehicle sales is expected to reach 12-15% by 2029, requiring auto financiers to develop dedicated green finance products, bundled insurance, and performance-linked loan models. Rising vehicle prices and inflation-linked EMI concerns will push lenders to offer step-up EMIs, balloon payment loans, used-car financing. Auto leasing and "Drive Now, Buy Later" models may gain favour, especially among younger, urban consumers focused on utility over ownership. However, regulatory tightening around BNPL models and Islamic finance standardization could impact loan structuring.
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Consultant at TraceData Research In their latest publication "Malaysia Auto Finance Market Outlook to 2029" believe that lenders should prioritize the development of EV-specific lending models with sub-1% interest slabs and flexible repayment tenures to capture Malaysia auto finance market.
Explore Our Other Related Report by Trace Data: -
Egypt Auto Finance Market - https://www.tracedataresearch.com/industry-report/egypt-auto-finance-market
Laos Auto Finance Market - https://www.tracedataresearch.com/industry-report/laos-auto-finance-market
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