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Used Car Loans in Giridih
Having a car in Giridih can simplify daily commutes and make long-distance travel more comfortable. A second-hand vehicle is a budget-friendly option for those looking to own a car without overspending. Used car loans in Giridih provide financial assistance to help you purchase a reliable pre-owned vehicle. Shriram Finance offers tailored loan solutions with competitive interest rates and flexible repayment plans. Whether buying your first car or upgrading, our easy loan process ensures a hassle-free experience. By providing essential financing, we contribute to Giridih's growth and improve mobility. Apply now and get closer to owning your car.
Used Car Loan Types in Giridih
Shriram Finance provides various used car loan types in Giridih to suit varying financial requirements. Choose a loan type that aligns with your financial needs.
Pre-Owned Car Loan
Loan Against Car (Car Refinancing)
Features and Benefits of Used Car Loans in Giridih
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 Giridih
Shriram Finance offers used car loan interest rates in Giridih beginning at 10%* p.a. These competitive interest rates make owning a pre-owned car more accessible while ensuring smooth repayment. Here is a detailed overview of the primary charges and fees related to our used car loans:
| 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 |
Plan your loan repayments effectively using our second-hand car loan EMI calculator. Get an instant estimate of your interest rate and monthly EMIs before applying for a loan.
How to Use the Used Car Loan EMI Calculator
Enter your loan amount and repayment tenure in the pre-owned car loan calculator to get an instant EMI estimate. This tool helps you explore various loan options and pick the one that best fits your financial plan.
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
₹ 1,00,000
Interest Payable
₹ 8,103
Monthly EMI
₹ 6,006
Car Refinancing in Giridih
Shriram Finance facilitates obtaining funds by leveraging your car's worth through refinancing, enabling you to retain your vehicle. This service delivers prompt access to funds for diverse financial needs, all while maintaining your car's usability. We present refinancing solutions with competitive interest rates and adaptable repayment plans. It's important to understand that this option is restricted to vehicles with no current outstanding loans.
Eligibility and Documentation Criteria for Used Car Loans in Giridih
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 Giridih
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 Giridih
Shriram Finance has a presence in Giridih to cater to your used car loan needs. Use our branch locator tool to find the nearest branch for assistance.
Locate Us
Used Car Loan Customer Care in Giridih
Our customer service team in Giridih is ready to help you with any queries regarding pre-owned car loans. You can call us or visit a branch for further assistance. Below is a table with our customer care contact details:
Used Car Loan Status in Giridih
To track your used car loan status in Giridih, log in to your Shriram Finance account, go to the 'Loan Status' section, and input your application or loan account number. Alternatively, you may contact our customer service team or visit a branch for real-time updates. We ensure regular updates at 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 Giridih?
Yes, you can obtain a used car loan in Giridih with convenient financing options from Shriram Finance.
What are the eligibility criteria for a used car loan in Giridih?
Used car loans are available to Indian residents aged 21* years to 59* years at the time of loan completion. Income eligibility will be evaluated based on the vehicle's model, age, and the repayment period.
What is the interest rate on a used car loan?
The starting interest rate for used car loans is 10%* p.a., and the actual rate will depend on several considerations.
What documents are required for a used car loan in Giridih?
To apply for a used car loan in Giridih with Shriram Finance, you'll need an application form, KYC documents, income proof, bank statements, and the vehicle's registration certificate. The precise documentation required may vary based on the specifics of your loan.
What is the processing fee for a used car loan?
The maximum processing fee for a used car loan is up to 5%* of the loan amount.
What is the down payment required for a used car loan in Giridih?
We provide financing for up to 85%* of the vehicle's value, meaning you must pay 15%* as a down payment.
Can I apply for a used car loan online in Giridih?
Yes, you can submit your used car loan application online in Giridih using the Shriram Finance website or the Shriram One app with ease.
What is the maximum loan amount I can get for a used car in Giridih?
The maximum loan for a used car is up to 85%* of its value, and the minimum loan amount is ₹1 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.