Drive Your Dream New & Used Car with 100% On-Road Funding from 8.65% p.a.
Compare lowest interest rate new and used car loans across 40+ leading banks with instant digital sanctions and zero paperwork hassle.
- Up to 100% On-Road Financing (Ex-Showroom + Registration + Insurance)
- Flexible Repayment Tenures up to 7 Years with Minimal Down-Payment
- Instant In-Principle Sanction Letter to Walk Into Any Dealership
Check Car Loan Offers
Compare 40+ Banks · Lowest EMI Guarantee
Putting Thousands of Happy Drivers Behind the Wheel
Financing Solutions for Every Automobile Dream
Whether buying off the showroom floor or picking up a verified pre-owned luxury car.
New Car Loans
Get up to 100% on-road funding for all major manufacturers (Maruti, Hyundai, Tata, Mahindra, Toyota, Kia, German luxury).
Used & Pre-Owned Car Loans
Finance certified second-hand cars up to 90% of vehicle valuation with flexible 5-year repayment schedules.
Electric Vehicle (EV) Green Loans
Exclusive concessional interest rates (up to 0.50% lower ROI) and tax deductions on new electric four-wheeler purchases.
Car Refinance & Top-Up
Unlock cash against your currently owned, paid-off car with instant loan disbursal up to 150% of its current market value.
Why Choose Finfly Auto Loan Advisory?
Drive away with the best interest rate, lowest EMIs, and maximum dealer discounts.
Up to 100% On-Road Funding
Finance the ex-showroom price, RTO road taxes, fastag, and comprehensive insurance in one bundled EMI.
30-Minute Digital In-Principle
Get instant pre-approved sanction letter directly on WhatsApp so you can negotiate cash discounts at the dealership.
Flexible 1 to 7 Year Tenures
Tailor your repayment tenure to match your monthly budget with step-up and balloon EMI options.
EV Green Concessions
Special subsidized interest rates for electric vehicles from leading auto finance banking partners.
Used Car Valuation Support
Free comprehensive vehicle history and technical valuation check for any pre-owned car purchase.
Zero Hidden Dealer Markups
Avoid expensive dealership loan markups and secure direct institutional wholesale interest rates.
4 Steps from Online Application to Keys in Hand
Fast, digitized auto finance execution.
Select Vehicle & Budget
Choose your car model, variant, and ex-showroom price to see pre-approved financing offers.
Upload KYC & Income Proof
Submit your PAN, Aadhaar, and 6-month bank statement digitally in under 2 minutes.
Instant Sanction & E-Sign
Receive your formal bank sanction letter and complete digital loan agreement signing.
Delivery Order to Dealer
Bank issues delivery order (DO) directly to your car showroom for immediate vehicle handover.
Calculate Your Car Loan EMI
Estimate monthly repayments, total interest payable, and optimal tenure for your new vehicle.
Principal Amount
₹10,00,000Total Interest
₹2,38,210Car Loan Eligibility & Documents Required
Easy qualification criteria for salaried and self-employed car buyers.
Salaried Professionals
- Age: 21 to 65 years at loan completion
- Net Monthly Income: Minimum ₹20,000/month
- Work Experience: Minimum 1 year overall with 3 months in current firm
- Credit Score: 700+ for 100% on-road funding approvals
- Co-Applicant: Spouse/Parents can be added to enhance sanction limit
Required Documents
- KYC: PAN Card, Aadhaar Card, Driving License
- Income Proof: Latest 3 months salary slips with company seal
- Banking: Last 6 months bank statement showing salary credits
- Tax Filings: Form 16 (Part A & B) for last 1 Assessment Year
- Vehicle Quotation: Proforma Invoice from authorized car dealership
Self-Employed & Business Owners
- Age: 21 to 70 years at loan maturity
- Business Continuity: Minimum 2 years in same business activity
- Net Annual Income: Minimum ₹2.5 Lakh+ as per latest ITR
- Credit Score: 700+ with satisfactory banking conduct
- Entity Types: Proprietorship, Partnership, LLP, Pvt Ltd
Required Documents
- KYC Documents: PAN Card, Aadhaar, Business GST Certificate
- Financials: Last 2 years ITR with computation of income
- Bank Statements: Last 6 months current/savings bank statements
- Business Proof: Shop establishment license or MSME registration
- Dealer Quote: Proforma invoice from authorized car showroom
What Car Owners Say About Finfly India
Join thousands of delighted car owners on Indian roads.
"Got my Tata Safari financed with 100% on-road funding from ICICI Bank via Finfly. The interest rate was 8.75% and the Delivery Order was sent to the dealership in just 4 hours!"
"I was buying a pre-owned BMW 3-Series. Dealership finance was asking 12.5%. Finfly connected me with HDFC at 9.40%, saving me over ₹1.4 Lakh in total interest."
"Finfly's digital sanction process is unmatched. Completely paperless KYC from my mobile, and I collected my Hyundai Creta keys the very next morning!"
Frequently Asked Questions on Car Loans
Everything you need to know about on-road funding, interest rates, and foreclosure.
100% on-road funding means the bank finances not only the car's ex-showroom price, but also mandatory RTO road registration fees, comprehensive insurance, and standard vehicle accessories, requiring zero or near-zero down-payment from your pocket.
Yes! Finfly partners with leading auto financiers offering up to 90% valuation funding for used cars up to 10 years of vehicle age, with repayment tenures up to 5 years.
Most car loans in India are sanctioned on fixed interest rates, meaning your monthly EMI stays completely unchanged throughout the entire 1 to 7 year loan tenure, protecting you from future interest rate hikes.
Yes, most banks allow part-payment or complete foreclosure after 6 to 12 EMI payments. Foreclosure charges vary between 0% to 3% depending on the lender and loan scheme.
Once you complete digital KYC and e-sign the loan agreement, the financing bank issues an official electronic Delivery Order (DO) directly to your car dealer's billing portal. The dealer can release the car for delivery immediately.
Ready to Hit the Road in Your New Car?
Get pre-approved 100% on-road funding offers with lowest EMI rates today.