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Car Loan

Whether you're buying a brand new hatchback or a pre-owned SUV, DealGini matches your profile to the right lender from 21 banks and NBFCs for the most competitive rate.

Loan Amount ₹1 Lakh – ₹1 Crore
Repayment Tenure 12 – 84 months
Processing Fee 0.5% – 2%
Typical Turnaround 1–3 working days
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Loan Details

Everything you need to know
before you apply.

Key Figures
Loan Amount₹1 Lakh – ₹1 Crore
Repayment Tenure12 – 84 months
Processing Fee0.5% – 2%
Typical Turnaround1–3 working days
Principal Lenders21 Banks & NBFCs
Interest RateDiscussed at consultation
Loan Types Covered
New Car Purchase Used / Pre-owned Car Hatchback & Sedan SUV & MUV Luxury Vehicles Electric Vehicles (EV)
Who Can Apply

Eligibility criteria.

These are general guidelines. DealGini works with multiple lenders — if you don't meet one lender's criteria, we find another that fits your profile.

Age
21–65 years at loan maturity
Applicant Type
Salaried, Self-employed, Business Owner
Income — Salaried
Minimum ₹15,000/month net; 1+ year current employment
Income — Self-employed
ITR for 2 years with stable net income
Credit Score
700+ for best rates; 650+ considered by select NBFCs
Vehicle Age (Used)
Typically up to 7–10 years old at loan maturity
What to Prepare

Documents checklist.

Keep these ready before applying. Our team will guide you on exactly which documents are needed.

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Identity Proof
Aadhaar Card + PAN Card (mandatory)
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Address Proof
Aadhaar / Utility Bill / Passport / Rent Agreement
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Income — Salaried
3 months salary slips + 6 months bank statements
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Income — Self-employed
ITR last 2 years + 6 months bank statements
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Vehicle Documents
Proforma invoice (new) or RC + insurance + valuation (used)
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Photographs
2 recent passport-size photographs
EMI Calculator

Estimate your monthly payment.

This is an indicative calculation only. Actual EMI depends on the lender's interest rate and your profile.

Loan Amount ₹10,00,000
Interest Rate (% p.a.) 12%
Tenure 36 months
Estimated Monthly EMI
₹33,214
₹10,00,000
Principal
₹1,95,704
Total Interest
₹11,95,704
Total Payable

* Indicative only. Contact DealGini for a precise quote tailored to your profile.

Apply Now

Get started in
3 minutes.

Fill the form and our team will call you within 2 business hours. We'll assess your profile, suggest the best lender and guide you through the entire process — at no cost to you.

Apply for Car Loan
Free consultation. No commitment required.

Your information is kept confidential. We never share your details without your consent.

Common Questions

Frequently asked
questions.

Can I get a loan for a used car?+
Yes. DealGini works with lenders who finance used cars up to 7–10 years old. A valuation report is required and the loan amount depends on the car's assessed value.
What percentage of the car value is funded?+
New cars: up to 90–100% on-road funding. Used cars: typically 70–85% of assessed value. This varies by lender and your credit profile.
Can I get a car loan with a low credit score?+
Some NBFCs consider applicants with scores below 700 if income is strong. DealGini will identify the right lender for your situation.
How quickly is a car loan disbursed?+
New car loans with complete documents are typically disbursed in 1–3 working days. Used car loans may take slightly longer due to RC and valuation verification.
Is there a penalty for early repayment?+
Most lenders allow foreclosure after 6–12 EMIs with a charge of 2%–5%. Some NBFCs offer zero prepayment charges — DealGini will highlight these options for you.
Also Available

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might need.

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Commercial Vehicle Loan
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