Use the full purchase cost
Obtain a dealer quotation with the vehicle price, registration, insurance and other charges itemised. Confirm which elements are included in the financed amount.
Car / Vehicle Loan Guidance
Plan the purchase and the cost of ownership.
Explore vehicle finance with a clear view of the purchase cost, down payment and monthly commitment. Product eligibility varies for private and commercial vehicles.
An enquiry is not a loan application approval. Availability, pricing and final terms are determined by the lender.
Who this is for
Start with the vehicle and its intended use
Vehicle type, new-car quotation, income, credit profile and own contribution can all affect the offer. Commercial use may require a different product and business records. State the intended use clearly so the enquiry follows the right route.
Purposes to discuss
- New car purchase
- Eligible vehicle purchase
- Personal mobility
- Commercial use, subject to product policy
Permitted use of funds depends on the chosen product.
What to understand
Know what the finance covers.
Allow for the cost of ownership
Your budget should cover repayments alongside fuel, maintenance, parking and insurance renewals. A smaller EMI achieved through a longer term can increase total interest.
Check the lender’s security requirements
Vehicle finance commonly includes hypothecation. Ask about registration formalities, insurance requirements and the documents required to remove the lender’s interest after closure.
Prepare with purpose
Documents for a useful first discussion
Use this as a starting checklist. The chosen lender will confirm the records, format and period it needs for your case.
Use the website form for an initial enquiry. Do not include account passwords, PINs or sensitive identity numbers in the message.
Read the documents guide- Dealer quotation and vehicle details
- Applicant identity and address evidence
- Income and bank records
- Employment or business evidence where required
- Details of down payment and existing financial commitments
From planning to review
Your car / vehicle loan preparation path.
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Choose the vehicle
Get an itemised quotation and confirm personal or commercial use.
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Set the upfront budget
Separate your contribution from costs the lender will not fund.
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Review the proposed loan
Check amount, rate, instalments, charges and prepayment terms.
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Complete the ownership process
Confirm registration, insurance and hypothecation requirements.
Repayment planning
Include running costs in your monthly budget
The EMI is one part of vehicle ownership. Add fuel, maintenance, parking and insurance renewals before choosing a comfortable monthly commitment. Compare total interest as well as the instalment.
Calculate an illustrative EMI
Questions, answered
Car / Vehicle Loan questions
Is the entire on-road price always financed?
No. The eligible amount and required contribution depend on the lender, vehicle and applicant. Check the written offer.
Can I enquire about a commercial vehicle?
Yes. Specify its intended use in the enquiry. Commercial-vehicle assessment and documentation can differ from personal car finance.
A useful next step