Proton is currently offering a step-up financing plan with Maybank and AmBank for the Proton Saga to make it easier for someone to pay for the car the first few years of servicing the loan. This step-up plan is on offer until the 15th March 2012.
The step-up plan is basically a 9 year 90% loan with 3.5% flat per-annum interest which starts you off with a lower than usual monthly repayment, which then increases to a higher amount from the 3rd year onwards, and then up again during the 7th, 8th, and 9th years.
Here’s a sample of the repayment amounts:
One caveat though – Sagas purchased under the step up financing scheme will only have a 3 year manufacturer warranty instead of the 5 year Extended Warranty Programme that Proton Sagas usually come with if you opt for standard financing.
Might be tempting – but 9 year loans should be treated as a last resort if you want to buy a car.
AD: Drive the Proton model of your dreams. Submit your details and Proton PJ will get in touch with you.
Looking to sell your car? Sell it with Carro.
Black Dog
on 
tt
on 
critic_A
on 
kuncisudu
on 
yaHAha
on 
perodua
on 
Hyundai De La Junk
on 
behck
on 
tiadaid
on 
goldfries
on 
originals
on 
OhMai
on 
Eyesore
on 
Simon Ng
on 
Kambing gurun
on 
mamak boy
on 
akmal
on 
MoFaz
on 
Salamander
on 
huha
on 
1010
on 
amustapha
on 
babun
on 
i am
on 
Blue
on 
trinitrotoluene
on 
Citizen of Selangor
on 
SAGA BeLum Masak
on 
vrooom
on 
ss427
on 
alldisc
on 
joeY
on 
syedhs
on 
blackbox
on 
Name
on 
khairulx19a
on 
dj
on 
VoidDance
on 
Excellence
on 
Statistician
on 
statistician
on 
azman
on 
Oblong
on 
zxr
on 
klc
on 
kamarul
on 
Klbloke
on 
Crazy9
on 
GTR 2.0
on 
kiki
on 
hello
on 
DArkerMarker
on 
ahmadmckk
on 
abu
on 
mm
on 
squawk
on 
soup
on 
Alvin
on 
Henry
on 
cAmparison
on 
akmal
on 
gigganet
on 
tokmoh
on 
BOYRACER
on 
Kelvin
on 
man
on 
razak
on 
driver
on 
Zulhusni
on 
Rulered
on 
kienchan
on 
napi
on 
baju bayi murah
on 
AI-generated Summary ✨
Comments generally express skepticism and concern about Proton's step-up financing plan for the Saga, highlighting that the long nine-year loan term is risky and unfair, especially as car value drops after a few years. Many critique the high taxes and duties that make cars expensive, arguing these policies worsen affordability issues. There is worry that the plan could trap buyers in debt, with some noting that second-hand cars are hard to sell due to the limited residual value, and that Proton's quality and warranty still lag behind competitors. Several comments emphasize that the scheme benefits banks and sellers more than consumers, potentially making buyers poorer over time. Overall, sentiments lean toward skepticism, viewing the plan as a financially risky and possibly deceptive scheme rather than a genuine effort to assist lower-income buyers.