Fast Processing | Flexible Funding | Compare Bank Options

Thinking Of Buying A Commercial Vehicle For Business Use?

Some Customers Come To Us To Finance Their First Goods Vehicle. Others Need Funding To Add One More Vehicle To Their Business. In Both Cases, The Idea Is The Same — Understand The Options And Move Forward Without Confusion. At Option Credits Services Pvt Ltd, We Help Arrange Commercial Vehicle Loans In Kerala Through Trusted Banks And NBFCs.

  • Funding Up To 85%–100% (Subject To Eligibility)
  • Loan Amount Depends On Vehicle Type And Applicant Profile
  • Compare Offers From Different Banks And NBFCs
  • Support With Documentation And Processing
  • Service Available Across Kerala
Commercial Vehicle Loan
15,000+
Loans Approved

Why Choose Option For CV Loan

Compare Multiple Lenders

Instead of approaching banks one by one, we check loan options with different banks and NBFCs and help you compare the offers.

Higher Funding Options

Loan amount depends on your profile, income, and the vehicle selected. In many cases, lenders may finance a major part of the vehicle value.

Assistance For Moderate Credit Scores

If your CIBIL score is slightly lower than expected, we can still check which lenders may consider your application.

Faster Processing

We stay in touch with the bank and dealer so the loan process does not get delayed unnecessarily.

Competitive Interest Rates

Since we deal with multiple lenders, you can compare more than one interest rate and choose what suits you.

Eligibility

If You Are Planning To Apply For A Commercial Vehicle Loan, Banks Usually Look At A Few Basic Details Before Processing The Application.

Basic Requirements

  • Age: 21 To 60 Years
  • CIBIL Score: 700 Or Above Is Generally Preferred
  • Job Type: Salaried Or Self-Employed
  • Income: Valid income proof as required by the lender

Profiles That May Get Consideration

Different lenders have different policies, but the following profiles are commonly considered.

  • Transport Or Logistics Business Owners
  • Self-Employed Professionals And Traders
  • Salaried Individuals Buying Vehicles For Commercial Use
  • Applicants With Agricultural Or Rental Income
  • Customers With A Strong Credit Repayment History
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Loan Options Under Commercial Vehicle Finance

Commercial Vehicle Finance Can Be Used In A Few Different Ways Depending On Your Requirement.

Commercial Vehicle Purchase Loan

Loan Support For Buying Trucks, Mini Trucks, Pickup Vehicles, Delivery Vans, Or Other Goods Vehicles. Amount And EMI Depend On The Applicant Profile And The Vehicle Selected.

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Finance Assistance

We Stay In Contact With The Bank And The Vehicle Dealer And Help Move The Application Through The Usual Steps.

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Balance Transfer

If You Already Have A Vehicle Loan With Another Bank, You May Explore Moving The Loan If Better Terms Are Available.

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Priority Programs

From Time To Time, Banks Introduce Special Loan Schemes For Certain Customer Groups Such As Salaried Employees, Government Staff, Or Corporate Account Holders.

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Documents Required

Documents may vary based on lender and profile

For Salaried Applicants

  • PAN Card
  • Aadhaar Card
  • Last 3 Months Salary Slips
  • Last 6 Months Bank Statement
Note:Document requirements may vary depending on the lender and loan profile. Additional documents may be requested during the approval process

For Self Employed

  • Pan Card
  • Aadhaar Card
  • ITR (1–2 Years)
  • Last 6 Months Bank Statement
Note:Document requirements may vary depending on the lender and loan profile. Additional documents may be requested during the approval process

For Self-Employed Non Income Proof

  • Pan Card
  • Aadhaar Card
  • KSEB Bill / Land Tax Receipt
  • Last 6 Months Bank Statement
Note:Document requirements may vary depending on the lender and loan profile. Additional documents may be requested during the approval process

Feel Free To Use Our EMI Calculator

Monthly Payment (EMI)
₹12,674
Total Interest
₹1,08,362
Total Amount
₹6,08,362
Commercial Vehicle Loan

Eligibility Checker

Commercial Vehicles

Commercial Vehicle Loan FAQ Section

Option Credits Services Connects You With Multiple Banks And NBFCs, Helping You Get The Best Interest Rate And Loan Terms For Your Commercial Vehicle. We Handle Everything From Application To Disbursal.

A CIBIL Score Of 700+ Is Generally Preferred, But We Also Work With Lenders Who Consider Applicants With Lower Scores. Our Team Will Guide You On The Best Option Available For Your Profile.

The Loan Amount Depends On The Vehicle Type, Your Income, And Credit Profile. Funding Can Go Up To ₹1 Crore Or More For Fleet Owners. We Help You Get The Maximum Funding Available.

Interest Rates Typically Range Between 9% And 16% Per Annum Depending On The Bank, Vehicle Type, And Your Credit Profile. We Compare Rates Across Multiple Lenders To Get You The Best Deal.

Some lenders may include insurance and related charges as part of the funding structure subject to eligibility.

Yes, many lenders provide funding for selected used commercial vehicles based on vehicle age, condition, and applicant profile.

Get Your CV Loan Today

Our financial advisors are ready to help you find the best commercial vehicle loan. No obligation, completely free consultation.

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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.