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Used Car Loans in Gaya
Gaya is a city known for its spiritual significance and growing urban landscape. The city has an increasing demand for personal vehicles. A car provides the freedom to travel comfortably, whether for work or pilgrimage. Opting for a used car can be a cost-effective way to fulfil this need without financial burden. Shriram Finance provides used car loans in Gaya, offering loan amounts starting from âı1 lakh* with flexible repayment options of up to 48 months. Our competitive interest rates and seamless application process ensure that financing a pre-owned car is both easy and convenient. Apply online or visit a branch to begin your journey towards car ownership today!
Used Car Loan Types in Gaya
Shriram Finance offers different used car loan options in Gaya to suit various financial requirements. Select the loan option that best suits your financial situation.
Pre-Owned Car Loan
Loan Against Car (Car Refinancing)
Features and Benefits of Used Car Loans in Gaya
Competitive Interest Rates
High Financing Percentage
Flexible Repayment Tenures
Regular Reminders
Easy Online Application
Car Refinancing Options
Customised Loan Solutions
Dedicated Customer Service
Used Car Loan Interest Rates in Gaya
Own a used car with ease through Shriram Finance's accessible loan options. We provide used car loan interest rates in Gaya at just 10%* p.a., ensuring a hassle-free repayment experience. Check below for a detailed breakdown of applicable fees and charges.
| Type of Fees | Applicable Charges |
|---|---|
| Interest Rate | Starting from 10%* p.a. |
| Processing Fees | up to 5%* |
| Foreclosure Charges | up to 4%* |
| Loan Tenure | up to 48 months |
Estimate your monthly repayments before applying with our second-hand car loan EMI calculator.
How to Use the Used Car Loan EMI Calculator
To calculate your EMI for a used car loan in Gaya, input the desired loan amount and tenure. The pre-owned car loan calculator will instantly generate the estimated EMI, helping you compare different financing options before making a decision.
STEP 01
Required Loan Amount
STEP 02
Interest Rate
Min 10%
Max 42%
STEP 03
Min 18 months
Max 48 months
Loan Summary
Loan
Loan Amount
âı 1,00,000
Interest Payable
âı 8,103
Monthly EMI
âı 6,006
Car Refinancing in Gaya
Shriram Finance offers car refinancing services in Gaya, allowing you to unlock the value of your car to access funds for various needs. This service is ideal for individuals without an existing car loan, as refinancing requires clearing any prior loans on the vehicle. Key benefits include competitive interest rates starting at 10%* p.a. and flexible repayment terms. The process is streamlined with minimal documentation and quick approvals.
Eligibility and Documentation Criteria for Used Car Loans in Gaya
To check used car loan eligibility online, applicants must meet the following criteria. These documents may vary based on the applicant's profile and the loan amount.
Eligibility Criteria:- Age: Minimum 21* years, with a maximum age of 59* years at loan maturity.
- Residency: All Indian residents.
- Income: Requirements vary based on the vehicle model, age, and repayment tenure.
Required Documents:- To check used car loan eligibility online, applicants must meet certain criteria. The essential documents required include:
- KYC Documents: Proof of identity and address.
- Income Proof: Salary slips for salaried individuals, income tax returns (ITR) for self-employed.
- Bank Statements: Recent bank statements may be required.
- Vehicle Documents: Registration certificate and insurance details of the used car.
Step-by-Step Application Process for Used Car Loans in Gaya
To apply for a used car loan, follow the steps below:
Step 1
Visit the Shriram Finance website and register using your mobile number.Step 2
Verify the OTP sent to your mobile number to proceed.Step 3
Provide your personal information such as name, address, and contact details.Step 4
Once your application is submitted, a representative will connect with you to process your loan further.
Our Used Car Loan Branches in Gaya
For personalised assistance with your used car loan in Gaya, visit a Shriram Finance branch. Use our online branch locator tool to find the nearest location.
Locate Us
Used Car Loan Customer Care in Gaya
For any queries regarding your used car loan in Gaya, our customer service team is ready to help. You can reach us via phone or visit a branch. Check the table below for our customer care numbers:
Used Car Loan Status in Gaya
To monitor the progress of your used car loan in Gaya, log into your Shriram Finance account online. Go to the 'Loan Status' section and enter your application or loan account number. You can also call our customer care team or visit a branch for updates. We ensure regular communication throughout every stage of your loan process.
Used Car Loan in Major Cities in India
Used Car Loan FAQs
Can I get a used car loan in Gaya?
Yes, Shriram Finance offers used car loans in Gaya, providing flexible financing options designed to suit your requirements.
What are the eligibility criteria for a used car loan in Gaya?
To be eligible, you must be an Indian resident aged between 21* and 59* years at the time of loan maturity. Income criteria depend on the vehicle's age and the loan tenure.
What is the interest rate on a used car loan?
Our used car loans have interest rates starting from 10%* p.a., though the final rate is determined by several factors.
What documents are required for a used car loan in Gaya?
You will need to provide an application form, KYC documents, proof of income, bank statements, and vehicle registration papers. Additional requirements may vary depending on your loan profile.
What is the processing fee for a used car loan?
The processing fee can be up to 5%* of the loan amount, depending on the loan terms.
What is the down payment required for a used car loan in Gaya?
A minimum down payment of 15%* is required, as Shriram Finance can finance up to 85%* of the car's value.
Can I apply for a used car loan online in Gaya?
Yes, you can apply online through the Shriram Finance website or via the Shriram One mobile app by following a simple process.
What is the maximum loan amount I can get for a used car in Gaya?
Shriram Finance provides loans covering up to 85%* of the car's value, with a minimum loan amount of âı1 lakh*.
Disclaimer
The information provided in this guide is for educational purposes only and should not be considered financial advice. Always consult with a financial advisor before making investment decisions related to fixed deposits or any other financial products.