Fast Approval | Up to 100% Funding | Compare Multiple Banks

Planning to buy a new car?

Option Credits Services Pvt Ltd helps you arrange a suitable Car loan in Kerala through leading banks and NBFCs. The idea is simple — less running around, clearer information, and quicker decisions. We help you compare multiple banks, understand your options clearly, and get faster loan approvals — all in one place

  • Funding Up To 85%–100% Funding ( Select Profiles,Subject To Bank Policy)
  • Loan Amount Up To ₹1 Crore(Based on Profile & Lender Program)
  • Simple And Quick Approval Process
  • Compare Offers From Different Banks
  • Service Available Across Kerala
New Car Loan
15,000+
Loans Approved

Why Choose Option

Multi Bank Comparison

We check loan offers, suitable interest rates, funding limits, and EMI options from different banks and NBFCs to see which car finance in Kerala works better for you.

Higher LTV Option

Depending on your credit score, income details, and the vehicle selected, funding can go up to 90%–100% of the car value.

Low CIBIL Assistance

CIBIL around 650? don't worry. we can still check with banks and see what can be worked out.

Fast Processing & Disbursal

We stay in regular contact with the bank and dealer so the file doesn't sit idle. that helps avoid unnecessary delay.

Competitive Interest Rates

Since we deal with different banks and NBFCs, you can look at more than one loan interest rate and choose what feels comfortable for you.

20+ Years Experience

With over two decades of experience, we provide trusted credit solutions and expert guidance to ensure a smooth and reliable loan process.

Dedicated Loan Advisor

Get personalized support from a dedicated advisor who guides you through every step and ensures a smooth, hassle-free loan process.

Doorstep Documents Support

We collect and verify your documents right at your doorstep, making the process simple, convenient, and hassle-free.

Eligibility

Looking For A New Car Loan? We Help You Check Which Bank Or NBFC May Suit Your Profile. Before Applying, Here's What Most Lenders Usually Look At.

Basic Requirements

  • Age: 21 To 60 Years
  • CIBIL Score: 700+ Is Generally Preferred
  • Job Type: Salaried Or Self-Employed
  • Income: As Per Bank Rules, Valid Income Proof Needed

Profiles That May Get Consideration

  • Government And PSU Staff
  • People Receiving Salary Through Corporate Accounts
  • Self-Employed Professionals
  • Those With Agricultural Or Rental Income
  • High CIBIL Customers Under Special Bank Schemes
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Loan Type Under New Car Loan

Different Options Are Available Depending On What You Need — Buying A Car, Shifting A Loan, Or Arranging Extra Funds.

New Car Purchase Loan

Loan to buy a New vehicle. EMI and amount depend on your profile.

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Finance Assistance

We Stay In Touch With The Dealer And Bank To Help Complete The Process Smoothly.

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Balance Transfer

Move Your Existing Car Loan To Another Bank If Better Terms Are Available.

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Top-Up Loan

Need Some Additional Money On Your Running Car Loan? A Top-Up Can Be Checked Based On Eligibility.

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Priority Programs

Certain Banks May Have Separate Schemes For Salaried Staff, Government Employees, And Corporate Account Holders.

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Documents Required

Documents may vary based on lender and profile

For Salaried Applicants

  • PAN Card
  • Aadhaar Card
  • Six Month Banking
  • Last 3 Months Salary Slip

For Self Employed

  • Pan Card
  • Aadhaar Card
  • 2 Year ITR
  • Last 6 Months Bank Statement

For Self-Employed (Without Income Proof)

  • Pan Card
  • Aadhaar Card
  • KSEB Bill / Land Tax receipt
  • Last 6 Months Bank Statement

Feel Free To Use Our EMI Calculator

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

Eligibility Checker

New Car Loan FAQ Section

We assist you in getting the best car loan by comparing multiple banks and NBFCs. Our team handles eligibility checks, documentation, and fast approvals so you can get your loan with minimal effort and better terms.

A higher credit score (750+) helps you get better interest rates and higher approval chances. However, even with a lower score (650+), we can help find suitable lenders based on your profile.

You can get a loan of up to ₹10 Crore, depending on: Your income, Credit profile, Car value . Most lenders offer 90%–100% funding of the on-road price.

Loan tenure usually ranges from: 1 year to 7 years (12 to 84 months) Longer tenure reduces EMI but increases total interest paid.

Interest rates generally start from 8.5% onwards and vary based on: Credit score, Income stability, Lender policies

Yes, many lenders provide on-road funding, which includes insurance and RTO registration charges.

Basic documents include: Identity Proof (Aadhaar / PAN), Address Proof, Income Proof (Salary slip / ITR), Bank Statements (3–6 months), Proforma Invoice from dealer.

Instant approval for eligible profiles Usually same-day or within 24–48 hours

Yes, in some cases: Based on bank statement programs Or profile-based approvals (Conditions apply depending on lender)

Yes, most lenders allow: Part-payment, Foreclosure Charges may apply depending on the lender.

Yes, both salaried and self-employed individuals are eligible. Income can be assessed via: ITR Bank transactions Business proof

Multi-bank comparison, Higher approval chances, Support for low CIBIL cases, Faster processing, End-to-end assistance.

Get Your New Car Loan Today

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

Contact Us →

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.