Finance and insurance
Nine lenders, compared on one sheet. We are not paid more to push one of them.
Finance and insurance, compared on one sheet
We work with nine lenders. You see all of them side by side — rate, tenure, processing fee, foreclosure terms — and choose. We are not paid more to push one of them.
What affects your rate
- Your credit score — check it before you apply, not after
- The down payment: more down usually means a lower rate
- Tenure: a longer loan lowers the EMI and raises the total interest
- Whether the car is new or pre-owned
- Existing relationship with the lender
What you will need
Salaried
- Aadhaar and PAN
- Three months of salary slips
- Six months of bank statements
- Form 16 or the latest return
Self-employed
- Aadhaar and PAN
- Two years of income tax returns
- Twelve months of bank statements
- Business registration proof
Insurance
Third-party cover is compulsory by law. Own-damage cover is not, but skipping it on a new car is a bad trade — and any lender financing the car will require it. We quote from several insurers and you are free to bring your own policy.
- Own damage and third party quoted separately, never bundled
- Zero-depreciation add-on explained rather than assumed
- You may bring your own policy — it will not affect your price
- Claims support through our body shop, which is cashless with most insurers
Common questions
Can I get finance approved before choosing a car?
Yes, and it is the better order. A pre-approval tells you your real budget including the on-road price, so you are choosing a car you can actually drive away rather than one you can nearly afford.
Do you charge for arranging finance?
No. The lender pays a standard commission and it does not change your rate. We show you every offer we receive, including the ones that pay us less.
Can I foreclose the loan early?
Terms vary by lender. Some allow it free after twelve EMIs, others charge a percentage of the outstanding. It is on the comparison sheet — read that column before you sign, not after.
Is finance available on True Value cars?
Yes, though rates are typically higher than on a new car and the maximum tenure is shorter. We will show you both so you can compare properly.