How to check your COE expiry date

Why the exact date matters

A new COE lets a vehicle be used on Singapore's roads for 10 years. LTA requires every registered vehicle to have a valid COE, and the COE must be renewed before it expires. The rest of the renewal decision depends on that date, so it helps to know it exactly.

The date decides three things: which month's PQP you can renew at, how long you have to arrange the money, and whether you can still collect a PARF or COE rebate if you decide not to renew. If you miss it, the car is deregistered on that day and cannot be driven.

Check it on OneMotoring

The authoritative date is the one in LTA's records, and the fastest way to see it is LTA's own e-service. It takes a few minutes.

If you also want the car's first registration date, LTA's Enquire My Vehicle Details e-service shows the registration details for vehicles you own. LTA's COE renewal page points to it for exactly that purpose.

Other places the date turns up, and why to double-check them

Paperwork from when you bought the car, such as a dealer's sales agreement or your loan documents, often states a COE expiry date. Check it against OneMotoring. If the COE has been renewed since that paperwork was printed, the date on it is wrong, and second-hand cars change hands with renewed COEs all the time.

We would not rely on a reminder either. LTA's renewal guidance puts the duty on the owner to renew before expiry and does not describe a reminder you can count on, so track the date yourself.

Looking at a used car? Ask the seller for the COE expiry date and to show it on OneMotoring. A car with 18 months of COE left and a car with 8 years left are very different purchases at a similar asking price.

What the date tells you

Once you have the date, these are the rules that apply to it, all taken from LTA's COE renewal page.

Because of the forfeit rule, renewing several months early rarely pays: the new term starts next month and whatever was left on the old COE is lost, with no rebate. The full picture of expiry, the late window and disposal is in what happens when your COE expires.

What to do once you know it

Once you know the date, there are four decisions to make, in this order.

• Renew or let it go. If you deregister before the COE expires, you get a COE rebate, and a PARF rebate too if the car is not more than 10 years old. Let the COE expire first and both are gone. Our renew or scrap guide and the rebate calculator put a number on it.
• 5 years or 10. A 5-year renewal costs 50% of the PQP; a 10-year renewal costs the full PQP. For Cat A, B and D, the 5-year option can be taken only once. See 5 years or 10.
• Which month's PQP. In October 2026 the 10-year PQP is $128,715 for Cat A and $131,616 for Cat B. If the trend is clearly rising, renewing in the month before your expiry month can lock in the lower figure. The new COE then starts on the 1st of your expiry month, so you forfeit the days between that date and your expiry date, with no rebate for them. Track it on the PQP page.
• How you pay. LTA takes the PQP online by eNETS Debit (personal accounts, up to $100,000) or, for amounts over $100,000, SGQR PayNow. Most owners finance it; the renewal loans guide explains how those loans are priced.

How far ahead to start planning

LTA does not set a planning timeline; this is the one we use with customers, working back from the expiry date.

Three months allows time for a slow loan approval, raising a bank transfer limit, or a decision your family wants to talk through. Each of these can take days.

What we would check for your car

Send us your plate's COE expiry month and category and we will send you the PQP you can renew at and your estimated monthly for 5 and 10 years, side by side, so you can decide. We arrange COE renewal loans with banks and finance companies: $0 down, no admin or processing fees, from 2.58% flat (2.80% if a 10-year renewal is spread over more than 7 years), subject to lender approval. See how COE renewal loans work. The full process is in how to renew your COE.

Questions people ask