01Who it's for
First-time car buyers
Fleet owners adding commercial vehicles
Buyers of certified pre-owned cars
02Eligibility
Age 21–65
Minimum ₹15,000 monthly income
Valid driving licence
Credit score above 700
03Documents needed
PAN and Aadhaar
Three months' salary slips or ITR
Six months' bank statements
Proforma invoice from the dealer
Scope of work
What I handle for you
Not a product list — the specific work that happens once you say go.
01Sanction before the showroomYou walk in with the financing settled and negotiate on the vehicle's price alone.
02Dealer finance compared honestlySometimes the dealer's subvented scheme genuinely wins. I check, and I say so.
03Used-vehicle valuation confirmedFor a second-hand car I find out what the lender will value it at, which decides your down payment.
04Insurance priced separatelyThe showroom's policy is rarely the cheapest. Quoting it apart often saves more than the loan negotiation does.
EMI calculator
₹ 25 L
8.75%
20 years
Monthly EMI
₹ 22,093
Total interest₹ 28,02,264
Total repayment₹ 53,02,264
*Terms and conditions apply.
Frequently asked
Is dealer finance not simpler?+
Simpler, usually costlier. Dealers earn on the finance too. Come with a sanction in hand and the conversation changes.
Can a used car be financed?+
Yes, typically up to eight years of vehicle age, at a slightly higher rate.
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