
Insurance & road tax
Covered in your monthly plan.

Operating from Johor. Your address and delivery date are confirmed after approval.
Paid delivery is available by quotation. We confirm the fee for your exact address before you commit.
Your car and its routine care, in one monthly payment.

Covered in your monthly plan.

Routine upkeep, organised.

A subscription that fits your plans.
Roadside assistance is included. Fuel, tolls, parking, summons, damage excess and additional mileage are separate.
The condition is recorded together, before you take the keys.
Our team walks through the car with you, photographs its condition and records any existing damage. Review the report and sign digitally to confirm what you receive.

Subscribe to a Perodua Ativa with an estimated 16% lower first-year comparison total against a 5-year loan.
Based on your 12-month plan and the estimates below.
| The breakdown | Car loan | Rivo |
|---|---|---|
| First-year totalIncludes estimated depreciation | RM 36,626Buying comparison | RM 30,615Subscription total |
| Monthly paymentTotal includes 12 payments | RM 1,263 | RM 2,355 |
| Down payment | RM 7,260 | None |
| Insurance & road taxAnnual estimate paid at the start | RM 1,820 | Included |
| Scheduled maintenanceEstimate for 12 months | RM 1,500 | Included |
| Depreciation15% annual estimate, not cash paid | RM 10,890 | None |
| Refundable deposit | None | RM 2,355 |
This combines cash paid with estimated loss in value. It is not net ownership cost or guaranteed savings: the buyer retains the car and builds equity. Rivo's total includes a refundable deposit.
| What's included | Car loan | Rivo |
|---|---|---|
| Insurance | ||
| Road tax | ||
| Scheduled maintenance | ||
| Roadside assistance | ||
| Delivery to free regions |
Ticks show what's included in the monthly payment. With a loan you build ownership. With Rivo you return the car when your term ends.
New Ativa AV Metallic reference price, RM 72,600. This is a buying example, not the market value of this 2024 vehicle. Finance, insurance, upkeep and depreciation are estimates.
Illustrative 15% annual depreciation, 10% down, 5-year loan at 6% interest, and RM 1,500 annual maintenance.
Loan figure = 12 monthly repayments + down payment + annual insurance and road tax + prorated maintenance + estimated depreciation. Rivo figure = 12 monthly subscription payments + refundable deposit. Depreciation is purchase price × 15% × 12/12. This is a combined cash-and-value-loss measure, not an economic ownership-cost calculation; full repayments and the down payment include equity in the retained vehicle. Interest is already in repayments and is not added again. Fuel, tolls, parking, additional mileage, damage charges and early termination fees are excluded from both options. The 15% depreciation rate is a sample assumption, not a resale forecast. No guaranteed saving is claimed.
Purchase price, depreciation, finance and running costs are illustrative estimates. Actual costs vary by vehicle, condition and finance terms.
The deposit is held for your subscription and reviewed after the car is returned. Outstanding charges and deductions follow your final agreement.
Additional mileage is charged at the rate in your agreement, confirmed before you subscribe.
You can request an extension before your term ends, subject to vehicle availability and approval.
Availability, equipment, delivery and final terms are confirmed before handover.