Vehicle Loan
New Car Loan
Drive home your dream car
Used Car Loan
Own smart, spend less
Car Refinancing
Lower your rate, save more
Commercial Vehicle Loan
Grow your transport business
Fleet Vehicle Loan
Finance multiple vehicles easily
Passenger Vehicle Loan
Expand your travel business
Goods Carrying Vehicle Loan
Support your logistics growth
Commercial Vehicle Refinancing
Lower your rate, save more
Vehicle Loan Balance Transfer
Switch to better offers
Finance for a brand-new car, structured around what you can comfortably service rather than the maximum a lender will sanction.
Borrowing against a car you already own — releasing cash from an asset without selling it.
Moving an existing vehicle loan to a cheaper lender — worth doing only when the arithmetic clears the costs.
Plan Today. Own Tomorrow.
More than Loans A Partner for Life
| Plan |
New Car Loan
|
Car Refinancing
|
Vehicle Loan Balance Transfer
|
Used Car Loan
|
|---|---|---|---|---|
| Best for | Drive home your dream car | Lower your rate, save more | Switch to better offers | Own smart, spend less |
| Interest from* | 9% | 13% | 9.5% | 12.5% |
| Rating | 4.5 | 4.0 | 4.1 | 4.3 |
| Details | View | View | View | View |
*Indicative starting figures; the final terms depend on your profile.
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Most lenders fund 80 to 90 per cent of the on-road price, and strong profiles are sometimes offered more. Funding the maximum is not always wise: a car depreciates from the day it is registered, and a small down payment over a long tenure leaves you owing more than the vehicle is worth for a significant part of the term.
The shortest one whose EMI you can service comfortably alongside your existing obligations. Extending the term reduces the monthly figure and increases the total interest meaningfully. Run both through the EMI calculator on this page and compare the total repayment, not just the instalment.
Sometimes — manufacturer-subvented schemes can genuinely undercut a bank. Often it is simply the offer that was nearest to hand. Ask for the rate, the processing fee and the total repayment in writing and compare it against a direct offer before you commit. The comparison takes an hour and is usually worth more than anything negotiated on accessories.
Floating-rate loans to individual borrowers cannot carry prepayment or foreclosure charges under RBI rules. Fixed-rate loans can, and many do. Establish which type you are signing before you plan around prepaying.
There is no single threshold, and lenders differ. A stronger score improves both the likelihood of approval and the rate you are offered, and the rate difference across score bands is large enough to be worth attending to. We check your profile against lender criteria before submitting, so applications are not scattered across lenders who were never going to approve.
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