Fast Track Car Financing

Drive Home Your Dream Car Today with Instant Car Loans

Enjoy up to 100% on-road funding, interest rates starting at 9.0% p.a., and same-day approvals with minimal documentation.

Quick Approval

Loan Overview

Experience hassle-free financing designed for brand new and pre-owned automobiles.

100% On-Road Funding Facility
Flexible Tenures Ranging Up to 7 Years
Minimal Paperwork & Rapid Processing
01

Interest Rate

9.0% p.a.*

Affordable and flexible EMIs

02

Loan Amount

Up to ₹1 Crore

100% on-road funding available

03

Disbursal Speed

Same Day

Quick approvals with minimal paperwork

04

Repayment Tenure

Up to 7 Years

Choose comfortable repayment windows

Loan Variants

Car Loan Options Tailored For You

01
100% Funding

New Car Loan

Finance up to 100% of the on-road price of your brand new hatchback, sedan, SUV, or luxury vehicle.

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02
Pre-Owned

Used Car Loan

Purchase a certified pre-owned car with seamless transfer of ownership and flexible funding options.

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03
High Value

Luxury Car Financing

Specialized high-value funding structures tailored for high-end luxury and imported automobile segments.

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04
Save Money

Balance Transfer & Top-Up

Transfer your existing car loan to KalyaniFinance for lower interest rates and access extra top-up funds.

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Application Process

4 Easy Steps to Get Your Car Loan

01

Select Vehicle & Amount

Choose your dream car model and check your maximum eligible loan amount online.

02

Submit Application

Fill out our quick digital application form with basic identity and income details.

03

Document Verification

Upload necessary financial documents for fast automated underwriting and verification.

04

Instant Disbursal

Once approved, the funds are disbursed directly to the dealer for immediate delivery.

Eligibility Criteria

  • Age: Salaried individuals between 21 years to 60 years. Self-employed individuals up to 65 years.
  • Employment: Minimum 1 year of continuous employment for salaried; 2 years of business stability for self-employed.
  • Income: Minimum annual income of ₹3 Lakhs for salaried applicants and ₹4 Lakhs for self-employed.
  • Credit Score: A healthy CIBIL score of 700 or above for preferential interest rates.

Required Documents

  • Identity & Address Proof (PAN Card, Passport, Voter ID, [Aadhaar Redacted])
  • Income Proof: Latest 3 months salary slips and 6 months bank statements (Salaried)
  • Business Proof & 2 years ITR with computation of income (Self-Employed)
  • Proforma invoice or quotation of the vehicle issued by the authorized dealer

Frequently Asked Questions

What is the maximum loan amount I can get for a car?

You can get a loan of up to ₹1 Crore, covering up to 100% of the on-road price of the vehicle depending on your income profile and vehicle category.

Can I get a loan for a used or pre-owned car?

Yes, KalyaniFinance offers dedicated used car loans for vehicles up to 7-8 years old with attractive interest rates and smooth documentation.

Is it possible to foreclose my car loan early?

Yes, you can prepay or foreclose your car loan after completing the mandatory lock-in period as per the lending terms, often with minimal or zero foreclosure charges.