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Auto Finance

Drive Your Dream

Get behind the wheel faster with our seamless car loan approvals. Whether it's a luxury sedan or a family SUV, we fund your journey.

Check Eligibility View Details

100% On-Road Funding Pre-Approved Offers 7-Year Tenure

Accelerate Your Ambitions

A car is more than just transport; it's a statement of your progress. Vardhman Finance simplifies the ownership experience with customized auto loans that cover everything from the showroom price to insurance and registration.

We partner with major dealerships across the country to offer you exclusive deals. Whether you are eyeing a brand new electric vehicle or a certified pre-owned luxury car, our flexible repayment plans ensure the ride is smooth.

Vehicle Types:

New Cars: Hatchbacks, Sedans, SUVs, Luxury.
Used Cars: Certified pre-owned vehicles < 5 years old.
Electric Vehicles (EV): Special rates for green cars.
Superbikes: Premium two-wheeler finance.

Why This Loan Works

Driving away in your new car has never been easier.

Up to 100% Funding

For select profiles and models, we fund the entire on-road price, including insurance and accessories.

Fast Lane Approval

Walk into a dealership and drive out with your car. Our instant approval system keeps you moving.

Flexible Repayment

Tenures ranging from 12 to 84 months, allowing you to choose an EMI that fits your budget.

Special EV Rates

Enjoy discounted interest rates and processing fees when you choose to buy an electric vehicle.

Eligibility Criteria

Employment

Salaried professionals (min. 1 year exp) or Business Owners (min. 2 years vintage).

Income

Min. Annual Income of ₹3 Lakhs.

Credit Score

A healthy credit score of 720+ is preferred.

Age

Between 21 and 65 years at the end of the loan tenure.

Documents Required

Identity & Address PAN Card, Aadhaar Card / Driving License / Voter ID.
Income Proof Form 16 / Latest Salary Slips (Salaried) or ITR (Self-Employed).
Bank Statements Last 6 months bank statements reflecting salary/business income.
Vehicle Quote Pro-forma invoice from the dealership.

Interest Rates & Charges

Competitive pricing for your dream drive.

Charge Type	Details
New Car Loan Rate	8.75% - 11.00% p.a.
Used Car Loan Rate	11.50% - 16.00% p.a.
Processing Fee	Flat ₹3,000 to ₹5,000 depending on loan amount.
Documentation Charges	At Actuals (approx. ₹500).
Foreclosure Charges	5% of outstanding principal before 6 months; 3% thereafter.

Easy Application Steps

Get your loan approved before you even visit the showroom.

Apply

Fill the online form with your car and income details.

Approval

Get an instant soft approval based on your credit score.

Select Car

Finalize your car at the dealership and submit the invoice.

Drive Away

We pay the dealer directly, and you drive your new car home.

The Vardhman Advantage

We believe buying a car should be exciting, not exhausting. Our relationship managers work directly with dealers to handle the paperwork, so you focus on the road.

Top-Up Loans

Need extra cash? Get a top-up loan on your existing car loan record.

No Hidden Clauses

Clear terms on insurance, accessories funding, and foreclosure.

Frequently Asked Questions

Do you finance 100% of the car value?

Yes, for eligible profiles and select car models, we offer 100% funding on the 'On-Road Price', which includes registration and insurance.

Can I sell the car before the loan is over?

You cannot sell the car without a 'No Objection Certificate' (NOC) from us. You must foreclose the loan to get the NOC and remove the hypothecation.

Is a guarantor required?

Usually, no guarantor is required if you meet the income criteria. In some cases, a co-applicant might be needed.

How is the interest calculated?

Interest is calculated on a monthly reducing balance method, ensuring you pay interest only on the principal amount outstanding.