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Vehicle Loan

Drive home sooner with the right vehicle loan.

New car, pre-owned car, two-wheeler or commercial vehicle: we compare bank and dealer finance so you don't pay more than you should at the showroom.

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8.5%Rates from*
100%On-road funding*
7 yrsMax tenure
EMI estimateIndicative · actual rate depends on your profile
Monthly EMI₹0
Total interest ₹0Total payable ₹0
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What it covers

Built around what you need.

New car loans

Up to 90–100% of on-road price on select models, depending on lender and profile.

Used car loans

Finance a pre-owned car based on its valuation, typically up to 5 years.

Two-wheeler loans

Bikes, scooters and EVs with small EMIs and quick processing.

Commercial vehicles

Taxis, tempos and goods carriers for your business.

Electric vehicles

Some lenders offer lower rates for EVs. We'll find them.

Refinance your car

Raise funds against a car you already own.

Eligibility

Who qualifies.

Typical lender criteria. Every bank sets its own rules, and we know which ones fit your profile.

Age
21–65 at loan maturity
Income
Usually ₹20,000+ per month for cars (lower for two-wheelers)
CIBIL score
700+ preferred for the best rates
Employment
1+ year in current job, or 2+ years in business
Vehicle
For used cars: age plus tenure usually within 8–10 years
Documents

What to keep ready.

A starting list. We'll confirm the exact set for your lender before you collect anything.

  • PAN card
  • Aadhaar card
  • Passport-size photographs
  • Address proof (utility bill, rent agreement or passport)
  • Last 3 months' salary slips (salaried)
  • Last 6 months' salary account bank statement (salaried)
  • Form 16 or ITR for the last 2 years (salaried)
  • Self-employed: ITR and 12 months' bank statements
  • Proforma invoice from the dealer
  • For used vehicles: RC, insurance and valuation report
Why use a consultant

What we do that a bank won't.

01

Dealer vs bank finance

Showroom finance is convenient but not always cheapest. We compare it against direct bank offers before you sign.

02

Hidden costs exposed

Processing fees, insurance bundling and foreclosure charges: we tell you what's negotiable.

03

Fast turnaround

With documents ready, many vehicle loans are sanctioned within a day or two.

FAQ

Vehicle Loan questions.

How much of the car price will the bank fund?
Typically 80–90% of the on-road price, and up to 100% on select models for strong profiles. Used cars are funded on their valuation rather than the asking price.
Is dealer finance better than a bank loan?
Not always. Dealers sometimes offer schemes, but the rate, processing fee and insurance can add up. We compare both so you can decide on the total cost, not just the EMI.
Can I prepay my car loan?
Usually yes, but many lenders charge a foreclosure fee on vehicle loans, often 2–5% in the early years. Check this before you sign; we'll point it out.
What is the maximum tenure for a car loan?
Up to 7 years for new cars with most lenders, and around 5 years for used cars. A shorter tenure means a higher EMI but much less interest overall.

Talk to Nandini about your vehicle loan.

21 years, 70+ lenders, one conversation. Free, and no obligation.

Call 9881139990 Send an enquiry

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