Smart EMI Calculator
Loan: ₹35.0L • Rate: 6.5% • Term: 20 Yrs
About Car Loan
Buying a car is an exciting milestone, and financing it shouldn't be a tedious roadblock. Bhardwaj Financial Services offers incredibly fast, flexible, and comprehensive Car Loans designed to put you in the driver's seat immediately. We don't just finance the basic ex-showroom price; for eligible profiles, we provide up to 100% financing on the 'On-Road' price.
This means your loan can cover the cost of the vehicle, RTO registration, road tax, comprehensive insurance, and even extended warranties, ensuring you don't have to drain your personal savings to make a heavy down payment. We have direct tie-ups with major automotive dealerships across the country, allowing the funds to be disbursed directly to the dealer with zero friction.
Furthermore, car loans feature fixed interest rates. This guarantees that your monthly EMI will remain exactly the same throughout your entire tenure (which can extend up to 7 years), protecting you from future market rate hikes. We also provide highly competitive financing options for pre-owned (used) cars, complete with strict technical valuation checks for your safety.
Key Benefits
- Up to 100% On-Road financing, minimizing your initial out-of-pocket expenses.
- Fixed interest rates ensure your EMI remains predictable for the entire tenure.
- Long repayment tenures up to 7 years to keep monthly payments highly affordable.
- Instant pre-approvals and rapid disbursal directly to the dealership.
- Financing available for both brand new and pre-owned (up to 5 years old) vehicles.
- Special 'Green Loan' discounts available for Electric Vehicles (EVs).
Why Choose Our Car Loan?
We partner with top banks to bring you unbeatable terms, transparency, and zero hidden charges.
On-Road Funding
Don't just finance the ex-showroom price. We cover registration (RTO), insurance, and extended warranties.
Showroom Tie-ups
We work directly with major dealerships, ensuring your loan amount goes directly to the dealer seamlessly.
Fixed Rates
Car loans operate on fixed interest rates, meaning your monthly EMI remains exactly the same for 7 years.
Who Can Apply?
- 1Age & Income: 21-65 years with a minimum net income of ₹25,000 per month.
- 2Vehicle Category: Private use vehicles only. Commercial or yellow-plate vehicles require a different commercial vehicle loan.
Document Checklist
Required Documents
- Proforma Invoice from Car Dealer
- PAN, Aadhaar
- Latest 3 Months Salary Slips
- Last 6 Months Bank Statement