Can I buy a Perodua in Sabah without a driving licence?

Employed, but without a driving licence

Many people think you cannot buy a car if you do not yet have a driving licence. In practice, it is not that simple.

I once assisted a customer employed by a private company who wanted to buy a Perodua in Sabah. The main issue was that the customer did not have a driving licence. Despite being employed and earning an income, the car financing application still had to meet the bank’s requirements.

What difficulty did the customer face?

In this case, the application involved requirements relating to a guarantor and a family member’s driving licence.

This is where confusion often arises. Some assume that a family member’s licence can simply be used for a loan application. It is not an automatic substitute for the applicant’s licence.

Each bank has its own financing conditions and document requirements. Some list the applicant’s valid driving licence as mandatory. If you do not have one, the bank must confirm the permitted options. Never present someone else’s licence as your own.

1. Check the applicant’s income

Payslips, bank statements and KWSP statements help assess finances and the ability to pay instalments. The actual documents required depend on the bank and the applicant’s circumstances.

2. Check guarantor requirements

If the bank requires a guarantor, their eligibility, financial commitments and documents need to be reviewed. The guarantor must also understand the responsibilities in the agreement they will sign. Holding a driving licence alone does not guarantee eligibility as a guarantor.

3. Confirm the licence issue with the bank

A family member’s information or licence may only be submitted through procedures accepted by the bank and with that person’s consent. We cannot assume every bank has the same requirements.

4. Await the bank’s official decision

Once the required documents are complete, the bank assesses the application according to its policies and credit assessment. A sales advisor can help prepare information but does not approve financing.

Did the customer eventually receive the car?

Yes. This customer’s case was completed and the car was handed over.

However, I do not mean that everyone without a licence will achieve the same result. Each application differs according to the bank, income, documents and the applicant’s financial position.

Buying or owning a car is not permission to drive without a licence. Drivers must hold the appropriate valid licence before driving themselves on public roads.

Want to buy a Perodua before getting your licence?

If you work for a private company around Kota Kinabalu, Penampang or elsewhere in Sabah, ask me first. Tell me whether you have a licence, whether you work in the public or private sector, and whether a family member is willing to act as a guarantor.

I help check options based on your actual circumstances. Do not send MyKad, licences or financial documents through the public enquiry form; contact me for an appropriate channel.

Contact Keven at KK1 Penampang

Keven is a Perodua Sales Advisor in Kota Kinabalu / Penampang, Sabah. For initial enquiries, briefly describe the model and your circumstances. Do not enter MyKad details, bank documents or sensitive financial information in the public form.