Worst in personal finance!

United Overseas Bank’s finance services are the worst! They finance cars on a very high-interest rate which soars up to 13.1%, over a term of 5 years. Everything else is good except for this part which leaves me in a very tough position to manage my funds likewise and maintain my vehicle on a daily basis. My total expense apart from the basic price of my car cost me two times more than I could have wished for. The interest alone for 5 years amounts up to SGD $36,200. Further, I also faced inconvenience in terms of Electronic Clearing Service (ECS) as they once deducted the EMI before the designated date of every month. This had an undermining effect on my credit score. I was really disappointed with the personal finance services of this bank. Not recommended.