COE Renewal Process: Step-by-Step with SingPass MyInfo
In This Guide
When to Start the Renewal Process
LTA allows COE renewal up to 3 months before your COE expires. However, the full process — from application to disbursement and official renewal — typically takes 2–4 weeks, and bank approval can take up to 10 working days in some cases.
You can check your COE expiry date on your vehicle’s log card or on the OneMotoring portal at onemotoring.lta.gov.sg.
Documents You Need
If you use SingPass MyInfo to fill your application, most documents are retrieved automatically. If applying manually, you will typically need:
| Document | Purpose | Required By |
|---|---|---|
| NRIC (front and back) | Identity verification | All applicants |
| Vehicle log card | Vehicle and COE details | All applicants |
| Latest 3 months’ payslips | Income verification | Salaried employees |
| Latest Notice of Assessment (NOA) | Income verification | Self-employed / commission earners |
| CPF contribution history (12 months) | Employment and income | Most banks |
| Passport + Work Pass | For non-citizens | EP, S Pass, WP holders |
| Employment letter | Confirms employment status | Some banks for foreigners |
What is SingPass MyInfo?
SingPass is Singapore’s national digital identity system, operated by the Government Technology Agency (GovTech). MyInfo is a service within SingPass that allows you to authorise businesses and government agencies to retrieve your personal data from government databases — replacing the need to manually fill in forms or upload documents.
When you use MyInfo for your COEPLUS application, you authorise COEPLUS (and the banks we submit to) to retrieve:
- Personal details: Name, NRIC, date of birth, address, nationality
- Employment: Employer name, occupation, CPF contributions
- Income: Latest NOA figures from IRAS
- Housing: HDB type (relevant for some bank assessments)
Full Step-by-Step Process via COEPLUS
Visit coeplus.com/submit-coe-renewal/ and complete the application form. Optionally use SingPass MyInfo to pre-fill your details. Provide your vehicle plate number, COE expiry date, preferred loan amount, and tenure.
Our team reviews your application within 1 business day and contacts you to confirm details or request any additional documents. We identify the most suitable banks for your profile.
COEPLUS submits your application to partner banks. Bank approval typically takes 3–7 working days. We inform you of the approved rate and terms.
You review and accept the loan offer from the bank. This can be done electronically — no physical branch visit is typically required.
The bank disburses the COE amount directly to LTA. LTA processes the renewal — your vehicle’s COE is officially extended for 5 or 10 years from the original expiry date.
LTA updates your vehicle records and issues an updated digital log card (accessible via OneMotoring). Your first monthly loan repayment begins approximately one month after disbursement.
Typical Timeline
| Stage | Time Required |
|---|---|
| Application submission to COEPLUS review | 1 business day |
| Bank submission to approval | 3–7 working days |
| Loan acceptance to disbursement | 1–3 working days |
| LTA renewal processing | 1–2 working days |
| Total typical duration | 2–3 weeks from submission |
| Recommended start time before COE expiry | 6–8 weeks |
What Happens After Approval
Once your COE renewal is complete:
- Your COE new expiry date is set 5 or 10 years from the original expiry date — not from the date of renewal. This means renewing early does not shorten your COE period.
- Your vehicle log card is updated digitally on the OneMotoring system. You can download the updated log card from the LTA OneMotoring portal.
- Monthly repayments begin approximately 1 month after loan disbursement. Your bank will send your repayment schedule.
- Road tax renewal is not affected by COE renewal — these are separate obligations due on your vehicle’s road tax anniversary.
Start Your COE Renewal — Free, Fast, Hassle-Free
COEPLUS handles the entire process for you at no charge. From bank comparison to LTA submission — we take care of it all.
