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കുറഞ്ഞ പലിശയിൽ ഭവന വായ്പകൾ..

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Quick Cash
For Your Every Need.

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15,000+
Happy Customers
₹600 Cr+
Loans Disbursed
20+
Bank Partners
20+ Years
Experience
Services

Smart Financial Solutions For Your Future.

Used Car Loan
Get your used car with easy EMIs, low interest rates, and a quick hassle-free loan process
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New Car Loan
Drive your new car with easy EMIs, competitive interest rates, and a smooth loan process
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Car Loan Top-Up
Need extra money? Get a top-up on your existing car loan with simple processing
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Personal Loan
Access personal funds with easy EMIs, fair interest rates, and a simple loan process
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Business Loan
Support your business needs with flexible funding, easy EMIs, and a smooth loan process
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Home Loan
Make your home plans happen with easy EMIs, fair rates, and a simple loan process
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Loan Against Property
Get funds against your property with easy EMIs, fair rates, and simple processing
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Commercial Vehicle Loan
Finance your commercial vehicle with flexible EMIs, attractive interest rates, and a smooth loan approval process
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Credit Card
Choose a credit card with useful benefits, simple eligibility, and an easy application
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Easy Loans For Used & New Cars

Get Personalized Loan Offers In Seconds.

Find The Best Loan Match In Just A Few Clicks.

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Trusted By Leading Banks & NBFCs

HDFC Bank
Axis Bank
Federal Bank
Poonawalla
Kotak
ICICI
HDB
Cholamandalam
Toyota Finance
EASF
Bendan
HDFC Bank
Axis Bank
Federal Bank
Poonawalla
Kotak
ICICI
HDB
Cholamandalam
Toyota Finance
EASF
Bendan
Why Option

What Make Option Credits Services Stand Out From The Rest?

Kerala-Based Finance Company: Local Expertise Tailored To Your Needs.
Access To Multiple Banks & NBFCs: Broader Options For Better Deals.
Special Focus On Used Car Loans: Specialized Support For Pre-Owned Vehicles.
Guidance From Application To Disbursal: Step-By-Step Assistance Throughout.
Support After Loan Closure & NOC: Ongoing help even post-loan.
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Loans
15,000+
Loans Approved

Our Loan Process

Step-By-Step Support For
Your Loan Requirements

01

Apply Online

Submit Your Details Online. Our Loan Provider Team Checks The Information And Helps You Understand The Loan Options That May Suit Your Profile.

02

Quick Approval

After Reviewing The Application, We Coordinate With The Finance Company And Move The Process Forward For Approval.

03

Easy Disbursal

Upon Approval, Funds Are Credited Directly To Your Account For Immediate Use.

Features
98%
Satisfaction Rate
Why Choose Us

Flexible Loans Just For You

20+ Years Experience
With over two decades of experience, we provide trusted guidance and reliable credit solutions tailored to your needs.
Multi-Bank Tie-ups
We partner with multiple banks to offer you a wide range of loan options with competitive rates and flexible terms.
Hassle-Free Process
We make borrowing simple, quick, and stress-free from start to finish.
Fast Approvals
Get your loan approved in minimal time with transparent procedures.
Trusted & Reliable
We prioritize your financial needs with honesty and integrity.
Expert Guidance
Our team of professionals is always ready to help you choose the right loan solution.
Testimonials

What Our Customers Say

"Option Credit helped me get a business loan when other banks rejected me. Their team fought for my case and got me the best deal possible. Highly recommend!"

SM
Sunita Menon
Business Loan Customer

"The home loan process was so smooth. Zero paperwork headaches. They handled everything from start to finish. My family is now in our dream home!"

AJ
Arun Joseph
Home Loan Customer

"I was worried about getting a personal loan with my credit score, but the team at Option Credit made it happen. Fast, friendly and completely transparent!"

PV
Priya Varghese
Personal Loan Customer

"Best used car loan experience! They found me a deal with the lowest EMI and guided me through the entire RC transfer and loan process. Truly professional."

MN
Mohammed Nizar
Used Car Loan Customer
FAQ

Frequently Asked Questions

We offer complete financial support including loan consultation, application assistance, and fast approvals through trusted banks and NBFC partners, ensuring a smooth and stress-free experience.
Any Indian resident aged 21–65 with a stable income — whether salaried or self-employed — can apply. We work with multiple banks and NBFCs to find the best match for your financial profile.
Most loan applications are approved within 24 hours of document submission. For complex cases it may take up to 48–72 hours. Our team keeps you updated at every step.
Our team will analyse the reason and guide you on next steps — whether improving your CIBIL score, providing additional documents, or applying with an alternative lender better suited to your profile.
We believe in complete transparency. All charges are disclosed upfront before you sign anything. Currently, we offer zero processing fees on select loan products.
Loan Schemes

Choose Your Plan

New Car

New Car Prime (NCP)

Instant Digital Approval.
Lowest Interest Rates.
₹3 Lakh To 5 crore.
Popular
Used Car

Pre-Owned Car (POC)

Certified Used Cars.
Flexible Tenure Up To 5 Years.
₹1 Lakh To 1 crore.
Electric Vehicle

Eco-Drive EV (EDV)

Special Green Incentives.
Zero Processing Fees.
₹5 Lakh To 5 crore.
Latest Blogs

From Our Blog

Used Car Loan Rejected? Why It Happens and What to Do Next
Used Car Loans

Used Car Loan Rejected? Why It Happens and What to Do Next

Disclaimer: This article is for general information only and is not financial or legal advice. Option Credits Services Pvt Ltd facilitates loans but is not a bank or lending institution. Approval, interest rates and terms depend on lender policies and RBI guidelines, and approval is not guaranteed. Examples are illustrative. Verify details with your lender […]

October 23, 2026 Read More →
Top Factors That Affect Your Used Car Loan Approval
Used Car Loans

Top Factors That Affect Your Used Car Loan Approval

While acquiring a used car is a budget-friendly option, the approval of a loan is uncertain. The financial status of the borrower, the condition of the vehicle and other factors are evaluated by the lender before making a loan decision. In case you are applying for a used car loan in Kerala, it is essential […]

September 25, 2026 Read More →
Used Car Loan Eligibility in Kerala: Who Can Apply and What Are the Requirements?
Used Car Loans

Used Car Loan Eligibility in Kerala: Who Can Apply and What Are the Requirements?

Buying a used car is one of the more sensible financial decisions you can make, but getting the finance approved depends entirely on meeting the lender’s eligibility requirements. When you apply for a used car loan in Kerala, your income, age, employment or business profile, and the vehicle you’ve chosen are all assessed before approval. […]

September 23, 2026 Read More →

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Our financial advisors are ready to help you find the perfect loan solution. No obligation, completely free consultation.

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Having any questions? Contact us now.

Head Office
Option Credits Services Pvt Ltd Veeyes building, Second floor Mahakavi Vylopilli road Palarivattom, Kochi Kerala-682025
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Compliance Disclaimer: Option Credits Services Pvt Ltd is a loan and financial product facilitation company and not a bank or lending institution. Loan approvals, interest rates, funding limits, credit card approvals, and terms are subject to respective bank/NBFC policies and RBI guidelines.