I share my experience about the Fullerton that I file a car loan over it they says that according to my agreement you only pay 2.4% money monthly when I listen this thought I must adopt the loan facility then I provide him my identity card, home details etc and they says that contact in 2-3 day we ready your loan amount.
Afterwards 3 day when I visit to branch they says that our policy is changed and now you must paid 3.6% additional interest sorry then I rejected the loan application over this company.
So my 11 day experience with my personal opinion that dont use it only waste of time use any government loan facility such as in government banks .