Equipment Financing January 13, 2026 9 min read

Used Excavator Financing Malaysia: Finance Second-Hand Excavators Up to 10 Years Old

Finance used excavators up to 10 years old in Malaysia. 0% deposit available. Learn age limits, interest rates, valuation process, and approval requirements for second-hand excavators. By Ing Heng Credit & Leasing ## Why Buy a Used Excavator Instead of New? Many Malaysian contractors choose used excavators over new machines. The cost savings are significant: Cost Advantages: • Used excavators cost 40-65% less than new units • Lower down payment amount (RM 15K vs RM 80K) • Faster return on investment • Better cash flow for other business needs • Less depreciation (new excavators lose 25-30% value in first year) Immediate Availability: • New excavators have 4-8 month waiting periods • Used machines are ready to work immediately • No manufacturing delays or supply chain issues • Start earning revenue within 1 week of purchase Proven Performance: • Used excavators have established maintenance history • Known reliability record (unlike untested new models) • Previous owner has already fixed initial issues • Proven durability in Malaysian conditions Example Savings: A new Caterpillar 320 costs RM 650,000. A 5-year-old model costs RM 280,000-350,000. You save RM 300,000-370,000 while getting the same digging capacity.

Used Excavator Age Limits: What Can You Finance?

We finance excavators up to 10 years old. Here’s what to expect at each age range:

Category 1: 0-3 Years Old (Best Terms)

Financing Terms: • Down payment: 0-15% (0% deposit available with 100% financing) • Interest rate: 5.5-7.5% per annum • Loan tenure: 5-7 years • Approval rate: 90-high approval rate Why Easy Approval: • Machines are modern and reliable • High resale value protects lender • Usually under manufacturer warranty • Lower breakdown risk • Strong market demand if repossessed Equipment Condition: • Engine hours: 1,500-4,000 hours • Hydraulic system: Like new, minimal wear • Undercarriage: 60-80% remaining life • Major components: No replacements needed • Maintenance: Regular servicing, documented records Best For: • Businesses needing reliable daily operations • Long-term projects (3+ years) • First-time excavator owners • Companies with tight operating margins

Category 2: 3-5 Years Old (Moderate Terms)

Financing Terms: • Down payment: 10-20% • Interest rate: 7.0-8.5% per annum • Loan tenure: 4-6 years • Approval rate: 80-90% Why Still Good: • Machines proven reliable over time • Major depreciation already occurred • Good resale value remains • Inspection required but usually passes • Parts readily available Equipment Condition: • Engine hours: 4,000-6,000 hours • Hydraulic system: Good condition, some seal replacements • Undercarriage: 40-60% remaining life • Major components: Possible minor repairs • Maintenance: Service history important Best For: • Experienced operators who maintain equipment well • Medium-term projects (2-3 years) • Companies with backup equipment • Businesses seeking value balance

Category 3: 5-8 Years Old (Stricter Requirements)

Financing Terms: • Down payment: 15-25% • Interest rate: 8.0-9.0% per annum • Loan tenure: 3-5 years • Approval rate: 70-80% Why More Challenging: • Higher maintenance costs expected • Major component replacements likely needed soon • Lower resale value • Mandatory professional inspection • Some brands harder to approve Equipment Condition: • Engine hours: 6,000-8,000 hours • Hydraulic system: Seals and hoses may need replacement • Undercarriage: 30-40% remaining, budget for replacement • Major components: Engine or hydraulic pump may need rebuild • Maintenance: Complete service history essential Best For: • Companies with in-house mechanics • Short-term projects (1-2 years) • Businesses buying multiple units • Experienced operators who can evaluate condition

Category 4: 8-10 Years Old (Most Difficult)

Financing Terms: • Down payment: 20-30% • Interest rate: 9.0-9.5% per annum • Loan tenure: 2-4 years • Approval rate: 60-70% Why Difficult: • High breakdown risk • Major overhauls likely needed • Very low resale value • Lenders want shorter loan periods • Only premium brands accepted (Caterpillar, Komatsu, Hitachi) Equipment Condition: • Engine hours: 8,000-10,000+ hours • Hydraulic system: Major servicing or replacement needed • Undercarriage: Replacement likely required (RM 30,000-60,000) • Major components: Engine rebuild or replacement probable • Maintenance: Must have exceptional records Best For: • Businesses with mechanical expertise • Very short-term use (under 2 years) • Companies planning to rebuild/refurbish • Experienced contractors who know exactly what they’re buying IMPORTANT: We finance excavators up to 10 years old with 0% deposit available for qualified applicants. Banks typically stop at 5 years and require 20-30% deposit. This gives you access to affordable equipment that banks reject.

0% Deposit Financing: Get 100% Loan for Used Excavators

Unlike traditional banks, we offer 0% deposit with 100% financing for approved applicants:

Who Qualifies for 0% Deposit?

Business Requirements: • Operating for 2+ years with consistent revenue • Good payment history on existing loans • Stable contracts or client base • Strong cash flow demonstrated Equipment Requirements: • Excavator must be 0-5 years old • Premium brands preferred (Caterpillar, Komatsu, Hitachi, Kobelco) • Good condition verified through inspection • Clear ownership documents Financial Requirements: • Credit score 680+ (good standing) • Debt service ratio under 50% • Regular business income proven through bank statements • No recent defaults or bankruptcies

Alternative: Low Deposit Options

If you don’t qualify for 0% deposit: • Deposit contribution: Excavators 0-3 years old • 15% deposit: Excavators 3-5 years old • 20% deposit: Excavators 5-8 years old • 25-30% deposit: Excavators 8-10 years old Example: 0% Deposit Financing Used Caterpillar 320D (4 years old) Purchase price: RM 320,000 Down payment: RM 0 (0% deposit) Loan amount: RM 320,000 (100% financing) Interest rate: 7.5% per annum Tenure: 60 months Monthly payment: RM 6,380 Total interest: RM 62,800 Total payment: RM 382,800 Compare to 20% Deposit: • Down payment saved: RM 64,000 • Keep cash for operations, repairs, fuel • Start earning immediately without large upfront cost

How Used Excavator Valuation Works

Lenders evaluate used excavators based on several factors:

1. Brand and Model Reputation

Tier 1: Premium Brands (Easiest Approval) Caterpillar: • Resale Value: Excellent (holds 50-60% after 5 years) • Approval Rate: high approval rate • Why Preferred: Global reputation, parts availability, strong demand • Popular Models: CAT 320, 312, 325, 330 Komatsu: • Resale Value: Excellent (holds 50-55% after 5 years) • Approval Rate: high approval rate • Why Preferred: Reliable, fuel-efficient, easy maintenance • Popular Models: PC200, PC300, PC350 Hitachi: • Resale Value: Very Good (holds 45-50% after 5 years) • Approval Rate: 90% • Why Preferred: Durable, good hydraulic systems • Popular Models: ZX200, ZX300, ZX350 Kobelco: • Resale Value: Very Good (holds 45-50% after 5 years) • Approval Rate: 90% • Why Preferred: Advanced technology, fuel efficiency • Popular Models: SK200, SK250, SK350 Tier 2: Good Brands (Moderate Approval) Hyundai: • Resale Value: Good (holds 40-45% after 5 years) • Approval Rate: 80-85% • Why Acceptable: Reliable Korean brand, competitive pricing • Popular Models: R220, R290, R320 Doosan: • Resale Value: Good (holds 40-45% after 5 years) • Approval Rate: 80-85% • Why Acceptable: Good performance, reasonable parts cost • Popular Models: DX225, DX300, DX340 Tier 3: Budget Brands (Selective Approval) SANY: • Resale Value: Moderate (holds 30-35% after 5 years) • Approval Rate: 60-70% • Why Challenging: Chinese brand, lower resale demand • Popular Models: SY215, SY235, SY365 • Age Limit: Usually up to 5 years only XCMG: • Resale Value: Moderate (holds 30-35% after 5 years) • Approval Rate: 60-70% • Why Challenging: Limited service network in Malaysia • Popular Models: XE215, XE270, XE370 • Age Limit: Usually up to 5 years only

2. Equipment Condition Assessment

Engine and Drivetrain (40% of value): • Engine hours vs age (under 1,000 hours/year is excellent) • Compression test results • Oil analysis (metal contamination check) • Turbocharger condition • Coolant system integrity • No major leaks or burning oil Hydraulic System (30% of value): • Pump performance and pressure test • Cylinder seal condition (no leaks) • Control valve functionality • Hose condition and age • Hydraulic oil quality • Swing motor and travel motor condition Undercarriage (20% of value): • Track wear percentage (40%+ remaining preferred) • Sprocket teeth condition • Roller and idler wear • Track tension system • Track pad thickness • Frame and link condition Structure and Cab (10% of value): • Boom and arm integrity (no cracks) • Bucket condition and teeth • Cab condition (glass, seat, controls) • Counterweight secure • Paint and appearance • Safety features working

3. Maintenance History

What We Look For: • Regular service records (every 250-500 hours) • Major component replacements documented • Genuine parts vs aftermarket parts used • Authorized service center vs roadside mechanics • Recent major service completed • No history of major accidents or rollovers Red Flags: • No service records available • Irregular maintenance intervals • Multiple hydraulic pump replacements • Engine rebuild at low hours (indicates abuse) • Accident damage repairs • Flood damage history

4. Market Demand

High Demand (Easy to Finance): • 20-ton class excavators (CAT 320, Komatsu PC200) • Standard swing radius models • Diesel engine (not electric/hybrid) • Common attachments included • Clean inspection report Lower Demand (Harder to Finance): • Very large excavators (50+ tons) - limited buyers • Specialty machines (long reach, demolition spec) • Rare brands or discontinued models • Machines requiring expensive repairs • Located in remote areas

Interest Rates for Used Excavators

Rates vary based on equipment age and condition:

Rate Structure by Age

0-3 Years Old: • Best rate: 5.5-6.5% per annum • Average rate: 6.5-7.5% per annum • Based on brand, condition, and your credit profile 3-5 Years Old: • Best rate: 7.0-7.5% per annum • Average rate: 7.5-8.5% per annum • Inspection report affects final rate 5-8 Years Old: • Best rate: 8.0-8.5% per annum • Average rate: 8.5-9.0% per annum • Maintenance records improve rate 8-10 Years Old: • Best rate: 9.0-9.5% per annum • Average rate: 9.5-10.0% per annum • Premium brands only (CAT, Komatsu)

What Affects Your Rate?

Factors That Lower Your Rate: • Premium brand (Caterpillar, Komatsu, Hitachi) • Low engine hours for age (under 1,000 hrs/year) • Complete maintenance records • Recent major service completed • Good business credit history • Strong financial statements • Higher down payment offered • Shorter loan tenure chosen Factors That Increase Your Rate: • Budget brand (SANY, XCMG) • High engine hours (over 1,500 hrs/year) • Missing service records • Major repairs needed • Poor credit history • New business (under 2 years) • Maximum tenure requested • Minimum down payment Example Calculation: Used Komatsu PC200 (6 years old) Purchase price: RM 180,000 Engine hours: 6,800 hours Condition: Good (recent service) Down payment: RM 36,000 (20%) Loan amount: RM 144,000 Interest rate: 8.5% per annum Tenure: 48 months Monthly payment: RM 3,540 Total interest: RM 25,920 Total payment: RM 169,920

What to Check Before Buying a Used Excavator

Don’t buy without checking these critical areas:

Visual Inspection Checklist

Exterior: • Check for structural cracks (boom, arm, chassis) • Inspect for major accident damage or repairs • Look for excessive rust (especially pivot points) • Verify all safety decals present • Check counterweight secure and not cracked • Inspect track condition and wear patterns Engine Bay: • Check for oil leaks (engine, hydraulic pump) • Inspect coolant level and color • Look for fuel leaks or diesel smell • Check battery condition and connections • Verify air filter cleanliness • Look for missing or loose components Hydraulic System: • Inspect all hydraulic hoses for cracks/wear • Check cylinder rods for scoring or pitting • Look for hydraulic fluid leaks • Test all functions (boom, arm, bucket, swing, travel) • Listen for unusual pump noises • Check hydraulic oil color (should be clear, not black) Undercarriage: • Measure track pad thickness (min 30mm) • Check sprocket teeth for wear • Inspect rollers for leaking oil • Verify track tension is adjustable • Look for cracked or broken links • Check for bent or damaged track frames

Operational Testing

Cold Start Test: • Engine should start within 10 seconds • No excessive white or black smoke • No unusual knocking or rattling sounds • Oil pressure builds quickly • All gauges working Warm Operation Test: • All hydraulic functions smooth and powerful • No jerky movements or slow response • Swing function operates in both directions • Travel motors work smoothly • No unusual vibrations Load Test: • Dig into hard ground (test full breakout force) • Lift heavy load with boom fully extended • Perform full swing with loaded bucket • Test all movements under load • Check for hydraulic system overheating

Documentation Review

Ownership Documents: • Original vehicle registration (geran) • If company-owned: SSM + authorization letter • If individual-owned: IC of seller • Transfer forms ready to sign • No outstanding loans or liens (check JPJ) Service Records: • Service book or maintenance logs • Major component replacement receipts • Hydraulic oil change records • Filter replacement history • Recent inspection reports Purchase History: • Original purchase invoice (if available) • Import documents (if imported used) • Previous owner contact (for reference) • Reason for selling (genuine or red flag?)

Common Issues to Avoid

Automatic Rejection: • Cracked boom or arm (structural failure) • Major engine problems (burning oil, no compression) • Hydraulic pump failure (expensive replacement) • Severe undercarriage wear (over 70% worn) • Flood damage or submersion history • Rolled over or major accident Negotiate Price Down: • Minor hydraulic leaks (RM 2,000-5,000 to fix) • Worn track pads (RM 8,000-15,000 replacement) • Cab damage or worn seat (RM 3,000-8,000) • Old hydraulic hoses (RM 5,000-10,000 full set) • Missing or broken attachments • Cosmetic damage (rust, dents, faded paint) Pro Tip: Hire a professional inspector (RM 800-1,500) before committing. Their report is required for financing anyway, and it can save you RM 20,000-50,000 by identifying hidden problems.

Approval Process for Used Excavator Financing

Here’s what happens after you apply:

Step 1: Initial Application (Day 1)

What You Do: • Contact us via WhatsApp (+60 17-570 0889) • Share excavator details (brand, model, year, hours, price) • Send 5-10 photos (all angles, engine, undercarriage) • Provide seller information What We Do: • Review photos for obvious issues • Check if equipment qualifies (age, brand, condition) • Provide preliminary assessment • Estimate down payment and interest rate • Request document list Timeline: 1-2 hours (during business hours)

Step 2: Document Submission (Day 1-2)

What You Do: • Submit business documents (SSM, bank statements) • Provide personal documents (IC, financial records) • Share excavator documents (geran, service records) • Complete application form What We Do: • Verify business registration and legitimacy • Review financial capacity • Check credit history (CCRIS/CTOS) • Assess equipment market value • Calculate debt service ratio Timeline: 4-6 hours

Step 3: Equipment Inspection (Day 2-3)

What You Do: • Schedule inspection appointment • Make excavator available for inspector • Provide access to start and operate machine • Share any additional maintenance records What We Do: • Send certified inspector to location • Conduct comprehensive 60-90 minute inspection • Test all operational functions • Generate detailed report with photos • Estimate repair costs for any issues found Inspection Cost: RM 800-1,500 (depends on location) Timeline: 1-2 days (depending on location and availability)

Step 4: Valuation and Approval (Day 3-4)

What You Do: • Wait for our decision • Review loan offer when ready • Ask questions about terms What We Do: • Review inspection report thoroughly • Determine equipment market value • Calculate loan terms based on condition • Make final approval decision • Prepare loan offer letter Timeline: 2-4 hours after receiving inspection report

Step 5: Agreement Signing (Day 4-5)

What You Do: • Review hire purchase agreement • Understand all terms and conditions • Sign agreement (in person or digitally) • Arrange comprehensive insurance • Provide post-dated cheques (if required) What We Do: • Prepare all legal documents • Explain terms clearly • Arrange signing appointment • Coordinate with insurance provider • Verify final purchase details Timeline: 1 day

Step 6: Disbursement (Day 5-7)

What You Do: • Pay down payment to us • Complete ownership transfer process • Collect excavator from seller • Activate insurance coverage What We Do: • Transfer loan amount to seller • Register our interest (lien) if applicable • Verify ownership transfer complete • Start monthly installment schedule Timeline: 1-2 days after signing Total Process: 5-7 days from application to operating your excavator. Compare to Banks: Banks take 14-21 days and often reject used equipment over 5 years old.

Documents Needed for Used Excavator Financing

For Your Business

Company Documents: • SSM registration certificate (Form 9, 24, or 49) • Company bank statements (6 months) • Directors’ IC copies • Business address proof • CIDB registration (for construction companies) Financial Documents: • Financial statements (last 2 years) - if available • List of existing equipment and loans • Current project contracts or awards • EPF and SOCSO statements • Income tax returns (helpful but not mandatory)

For the Excavator

Equipment Documents: • Vehicle registration card (geran) - original • Current road tax (if road-registered) • Puspakom inspection (if recent) • Service records and maintenance logs • Purchase invoice or sales agreement • Import permit (if imported used machine) Seller Documents: • Seller’s IC (individual) or SSM (company) • Seller’s bank account details • Authorization letter (if company-owned) • Proof of clear ownership (no outstanding loans)

For Directors/Owners

Personal Documents: • IC (identity card) - front and back • Personal bank statements (3-6 months) • Income proof (EA form, contracts) • Home address proof (utility bill) • CCRIS report (we can check for you)

Optional But Helpful

Strengthen Your Application: • Photos of current fleet (proves experience) • Mechanic certification or experience • Client testimonials or contracts • Workshop or yard rental agreement • Insurance policies on other equipment • Training certificates for operators

Real Example: Financing a Used Caterpillar

Let’s see a real scenario: Customer Profile: • Name: Ahmad (construction contractor) • Business: 4 years operating, specializing in earthwork • Credit Score: 670 (acceptable) • Location: Rawang, Selangor • Current Fleet: 1 bulldozer, 2 lorries Excavator Details: • Model: Caterpillar 320D2 (medium hydraulic excavator) • Year: 2019 (7 years old) • Engine Hours: 7,200 hours • Condition: Good (regular maintenance, no major issues) • Seller: Private seller (contractor retiring) • Purchase Price: RM 240,000 Inspection Findings: • Engine: Good condition, recent oil change • Hydraulic system: Minor seal leak (RM 1,200 to repair) • Undercarriage: 35% remaining (replacement needed in 1-2 years) • Structure: No cracks, good condition • Overall: Approved with minor repairs required Financing Structure: Purchase Price: RM 240,000 Repair Costs: RM 1,200 (seller agreed to fix before sale) Total Value: RM 240,000 Down Payment (20%): RM 48,000 Loan Amount: RM 192,000 Interest Rate: 8.5% per annum Tenure: 48 months Monthly Payment: RM 4,720 Total Interest: RM 34,560 Total Payment: RM 226,560 Process Timeline: • Day 1: Ahmad contacted us, sent excavator photos • Day 1: We provided estimate (20% down, 8.5% rate) • Day 2: Ahmad submitted all documents • Day 3: Inspector checked excavator in Rawang (RM 1,000) • Day 3: Minor issues found, seller agreed to repair • Day 4: Approved after repairs confirmed • Day 5: Ahmad signed agreement at our Klang office • Day 6: Down payment paid, repairs completed • Day 7: We paid seller, Ahmad collected excavator Business Impact: • Revenue Generated: RM 18,000-22,000 monthly (earthwork contracts) • Operating Costs: RM 6,000 (fuel, operator, maintenance) • Loan Payment: RM 4,720 • Net Profit: RM 7,280-11,280 monthly • ROI: Loan paid off in 4 years, excavator continues earning Ahmad’s business grew 40% after acquiring this excavator. He took on larger contracts requiring his own equipment instead of renting.

Frequently Asked Questions

Can I finance an excavator with high engine hours?

Answer: Yes, but it depends on the brand and maintenance. Caterpillar and Komatsu excavators with 8,000-10,000 hours can still be financed if: • Complete service records available • No major component failures • Recent major service completed • Inspection passes our standards • Higher down payment (25-30%) Some Chinese brands are rejected above 6,000 hours due to reliability concerns.

What if the excavator needs repairs before disbursement?

Answer: We have three options: • Seller repairs before purchase (best option) • Escrow disbursement: We hold back 10-20% until repairs complete • Accept as-is with price reduction (you do repairs after) For repairs under RM 5,000, option 1 is easiest. For major repairs (RM 10,000+), negotiate price reduction.

Can I trade in my old excavator?

Answer: Yes! Trade-in process: • We evaluate your current excavator • Determine trade-in value based on condition • Trade-in value becomes your down payment • You finance the difference Example: • New excavator: RM 280,000 • Your trade-in value: RM 80,000 • Down payment needed: RM 0 (trade-in covers it) • Finance amount: RM 200,000 This works well if your old excavator is well-maintained.

Do you finance excavators from auction sales?

Answer: Yes, but with conditions: • Inspection is mandatory (no exceptions) • Down payment: 30-40% (higher risk) • Interest rate: +1-2% higher than normal • Age limit: 7 years maximum • Premium brands only (CAT, Komatsu, Hitachi) Auction excavators often have unknown history, so we’re more cautious. If inspection passes and brand is good, approval is possible.

Can I get financing if my business is new (under 2 years)?

Answer: Possible but challenging. Requirements: • Strong personal credit score (700+) • Higher down payment (25-30%) • Personal guarantee from owner • Evidence of contracts or revenue • Relevant industry experience Many contractors start as sole proprietors before incorporating. We look at your personal background, not just company age.

What happens if I want to sell the excavator before loan is paid off?

Answer: Two options: Option 1: Buyer pays off your loan • Buyer pays us outstanding balance directly • Pays you the difference (equity) • We release our interest/lien • Ownership transfers to buyer Option 2: You settle loan first • You pay us full outstanding balance • We release interest/lien • You sell excavator freely • No early settlement penalty Most buyers prefer Option 1 for smooth process.

Can I refinance my existing used excavator loan for better terms?

Answer: Yes! Refinancing requirements: • Current loan must be 12+ months old • Excavator must be under 10 years old • Good payment history (no late payments) • Excavator in good condition Benefits of refinancing: • Lower interest rate (save RM 10,000-30,000) • Extend tenure (reduce monthly payment) • Cash-out equity (for repairs or new equipment) Many customers refinance after 2-3 years when rates drop or business improves.

Compare: Used vs New Excavator Financing

Still deciding between used and new? Here’s the comparison:

Used Excavator (5-7 Years Old)

Advantages: • Lower purchase price (40-60% cheaper) • Smaller down payment amount (RM 40K vs RM 120K) • Immediate availability (no waiting) • Proven reliability (track record established) • Lower total depreciation over ownership • Easier to upgrade later (less capital tied up) Disadvantages: • Higher interest rate (8-9% vs 5-6%) • More maintenance needed (RM 3,000-6,000 monthly) • Shorter loan tenure (3-5 years vs 5-7 years) • Risk of major repairs (engine, hydraulic pump) • No warranty (unless dealer provides) • Older technology (less fuel efficient) Best For: • New construction businesses • Companies testing new market segments • Short-term projects (1-3 years) • Experienced operators who can maintain equipment • Businesses needing multiple machines (buy 2 used vs 1 new)

New Excavator

Advantages: • Lower interest rate (5-7% vs 8-9%) • Manufacturer warranty (2-3 years) • Latest technology (fuel efficiency, safety features) • Lower maintenance (first 3-5 years) • Longer loan tenure (up to 7 years) • Better tax benefits (capital allowance) Disadvantages: • Very high purchase price (RM 500K-800K) • Large down payment (RM 50K-150K) • 4-8 month waiting period • Heavy depreciation (25-30% first year) • More capital tied up • Slower ROI due to higher cost Best For: • Established businesses with cash reserves • Long-term contracts (5+ years guaranteed) • Companies needing latest emission standards • Businesses with good tax planning (maximize allowances) • Operators without maintenance capabilities Our Recommendation: If budget is tight: Buy used 5-7 years old (best value) If budget is moderate: Buy used 3-5 years old (balance of reliability and cost) If budget is strong: Buy new only if long-term contracts justify higher cost

Ready to Finance Your Used Excavator?

We make used excavator financing simple and fast:

Our Advantages

Age Flexibility: • Finance excavators up to 10 years old • Banks stop at 5 years maximum • More choices for your budget • Access to quality equipment others reject 0% Deposit Available: • 100% financing for qualified applicants • No upfront capital needed • Start earning immediately • Keep cash for operations and repairs Fast Approval: • 2-3 business days typical approval • Much faster than traditional banks • Fast decision after inspection • Minimal documentation required All Brands Accepted: • Premium brands: Caterpillar, Komatsu, Hitachi, Kobelco • Mid-tier brands: Hyundai, Doosan, Volvo • Budget brands: SANY, XCMG (case-by-case) • Private sellers or dealers

How to Apply

Option 1: WhatsApp (Fastest) • Message: +60 17-570 0889 • Share excavator details and photos • Get instant preliminary assessment • Available in English, Malay, Chinese Option 2: Phone Call • Call: +603-3362 1588 • Speak with financing specialist • Discuss your requirements • Get immediate guidance Option 3: WhatsApp • WhatsApp: +60175700889 • Attach excavator photos and documents • Receive Fast WhatsApp response during business hours Option 4: Walk-In • Visit: 47A, Jalan Raya Timur, Klang • Bring excavator details and documents • Face-to-face consultation • Same-day preliminary approval possible

What to Prepare

Before Contacting Us: • Excavator photos (minimum 5-10 photos): • Front, rear, both sides • Engine compartment • Undercarriage and tracks • Cab interior and controls • Hour meter reading • Basic details (brand, model, year, hours, price) • Your business information (type, years operating) • Contact number and preferred language We’ll Guide You On: • Exact documents needed for your situation • Professional inspection arrangement • Down payment amount (or 0% deposit eligibility) • Interest rate estimate based on equipment • Monthly payment calculation • Approval timeline

Next Steps

• Contact us today - Share your used excavator details • Get instant estimate - Down payment, rate, monthly payment • Schedule inspection - We arrange professional assessment • Receive approval - Fast decision after inspection passes • Sign agreement - Clear terms, no hidden fees • Get your excavator - Start earning within 1 week Don’t let limited capital stop you. Finance used excavators up to 10 years old with 0% deposit available. Get approved today. Contact Ing Heng Credit & Leasing: • WhatsApp: +60 17-570 0889 (Fast response) • Phone: +603-3362 1588 • WhatsApp: +60175700889 • Website: www.inghengcredit.com • Location: 47A, Jalan Raya Timur, Taman Rashna, 41200 Klang, Selangor • Languages: English | Bahasa Malaysia | 中文 Operating Hours: • Monday - Friday: 9:00 AM - 6:00 PM • Saturday: 9:00 AM - 1:00 PM • Sunday: Closed (WhatsApp available 24/7) Finance your used excavator today. 0% deposit available. Up to 10 years old accepted. Fast approval process.

Ready to Get Started?

Contact us today for fast financing approval. 95% approval rate, competitive rates from 2.88% p.a. WhatsApp Us Now Calculate Monthly Payment