Car Loans
The keys are closer than you think.
New, pre-owned, refinanced, or transferred — funding up to 90% of on-road price, approvals in as little as 48 hours, and one advisor with you from test drive to disbursal.
Loan Types
Four ways in. One way of working.
New Car Loan
New Car Loan
Drive out in the car you actually wanted — not the variant the budget allowed. Up to 90% on-road funding (ex-showroom, insurance, and registration included), tenures to 8 years, and paperwork we handle at the dealership.
- Up to 90% on-road funding
- Approval in 48 hours
- Minimal documentation
Pre-Owned Car Financing
Pre-Owned Car Financing
A well-kept pre-owned car is the smartest money on the road — and we finance it like one. Dealer or direct-from-owner, we handle valuation, hypothecation, and transfer without the usual used-car friction.
- Dealer & owner-to-owner deals
- Fair valuation support
- Flexible tenures
Car Refinance
Car Refinance
Your car has equity sitting in it. Refinance to release funds, cut your rate, or restructure the tenure — cash flow back in your hands within days.
- Lower your existing rate
- Unlock funds against your car
- Tenure restructuring
Balance Transfer & Top-Up
Balance Transfer & Top-Up
Outgrown your lender? Move the loan, keep the car. Better terms on the balance, a top-up on what you've repaid, and we manage the entire switch.
- Better rates on transfer
- Instant top-up eligibility
- We handle the closure paperwork
Plan It Precisely
Know your number before the showroom does.
Per RBI norms, floating-rate loans to individuals carry no foreclosure charges. Fixed-rate loans may — we'll flag it before you sign.
※ Processing fee varies by lender; many waive it — we negotiate this.
| Year | Opening | Principal | Interest | Closing |
|---|
I earn ₹90,000 a month, pay ₹5,000 in EMIs, and want a 5 year loan.
From enquiry to ignition in four steps.
Talk to us
One call to understand the car, the budget, and your profile.
Documents
KYC, income proof, bank statements — we collect, we verify, we handle it.
Approval
We put your file before the right lenders and negotiate the best offer. Typically 48 hours.
Disbursal
Funds hit the dealer, the keys hit your hand. We stay on for insurance and RC.
Talk to us
One call to understand the car, the budget, and your profile.
Documents
KYC, income proof, bank statements — we collect, we verify, we handle it.
Approval
We put your file before the right lenders and negotiate the best offer. Typically 48 hours.
Disbursal
Funds hit the dealer, the keys hit your hand. We stay on for insurance and RC.
Documents you'll need
That's the whole list. We collect everything from your doorstep.
FAQ
Questions, answered.
Most lenders cap your total EMIs (existing + new) at around 50% of net monthly income — this is called FOIR. On an average salary profile, that typically translates to a loan of 5-6 times your annual income, though the exact number depends on your credit score, existing obligations, and the lender's own policy. Use the calculator above for a real-time estimate on your numbers.
A CIBIL score of 750+ gets you the sharpest rates and fastest approvals across our lender panel. Scores between 650-750 are still financeable, usually at a slightly higher rate or with a co-applicant. Below 650, we work with specific NBFCs who take a more holistic view of your profile rather than the score alone.
New car loans fund up to 90% of the on-road price with tenures up to 8 years. Pre-owned loans are assessed against the car's current market valuation rather than a fixed ex-showroom price, tenures are usually capped around 5-6 years, and rates run slightly higher to reflect the asset's depreciation. We handle the valuation and hypothecation transfer either way.
Rarely, and only for exceptional profiles with a strong existing banking relationship — most sanctions cap at 85-90% of the on-road price, with the balance as your down payment. We'll always tell you honestly what's realistic for your file rather than promising a number we can't deliver.
Most banks and NBFCs allow part-prepayment and full foreclosure after a short lock-in (often 6-12 months), sometimes with a small charge on the outstanding principal — we'll flag this clearly before you sign so there are no surprises later. The prepayment simulator above shows exactly how much extra monthly payment saves you in interest and time.
Once your documents are verified and the file is with the right lender, approval typically comes through in 48 hours and disbursal follows within a day or two after that — funds move directly to the dealer. The whole journey from first call to keys in hand usually runs 3-5 working days for a clean file.
The car's decided. Let's decide the numbers.
Talk to an advisor today; approval could be 48 hours away.