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FINANCE POINT | SINCE 1998

Car Loan

Finance for New Cars, Used Cars and Refinancing

Buying a new car, choosing a pre-owned vehicle or exploring funding against your existing car? Finance Point helps you understand available car finance options through banks and NBFCs.

Serving clients since 1998, we offer documentation assistance and application coordination across Kharar, Mohali, Chandigarh, Zirakpur and Panchkula.

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SERVICES

Our Car Finance Services

We assist with a variety of car loan structures tailored to your auto financing requirements:

New Car Loans

Explore financing for an eligible new vehicle. We help you understand the required down payment, available tenure and monthly repayment schedules.

Used Car Loans

Finance an eligible pre-owned car, subject to its age, model, physical condition, valuation, and verified ownership records.

Car Loan Refinancing

Explore refinancing of an existing car loan based on your repayment history, current vehicle valuation, and outstanding borrowing balance.

Car Loan Top-Ups

Eligible borrowers may be able to obtain additional funding against an existing active vehicle loan arrangement with clear repayment history.

Loans Against Cars

Explore finance against an eligible owned car, subject to lender credit policy and comprehensive vehicle technical assessment.

ASSESSMENT

Eligibility and Loan Terms

Lenders evaluate multiple criteria to determine eligibility for both self-employed and salaried applicants:

  • Monthly income stability and repayment capacity
  • Credit history and prior repayment track record
  • Existing loan commitments and debt obligations
  • Vehicle age, make, model, and physical valuation

*The loan amount, interest rate, tenure, and required down payment depend on the lender's assessment. For refinancing, the amount available after closing existing finance will depend on the approved structure.

CHECKLIST

Documents Required

Common documentation for car loan processing includes:

  • PAN and applicable KYC documents
  • Income proof and recent bank statements
  • Vehicle quotation for new car purchases
  • Registration Certificate (RC) and insurance for existing vehicles
  • Seller and ownership documents for used cars
  • Existing loan statements for refinancing or top-up enquiries
OUR ADVANTAGE

Why Choose Finance Point?

Personal Attention

Dedicated assistance to review your individual profile and guide you through the process.

Transparent Terms

Clear explanations regarding interest rates, down payment, tenure, and lender policies.

End-to-End Coordination

We handle document organisation and application coordination with bank and NBFC partners.

Serving Since 1998

Decades of practical experience covering new car purchases, used car financing, and refinancing needs across Kharar, Mohali, Chandigarh, Zirakpur, and Panchkula.

GOT QUESTIONS?

Frequently Asked Questions

Accepted vehicle age and model year criteria vary by lender. Share the specific vehicle details with us for an initial eligibility assessment.
Eligible vehicles may qualify for refinancing or top-up, subject to outstanding finance amounts, past repayment history, and current valuation.
The sanction amount depends on vehicle market valuation, your net repayment capacity, credit history, and maximum lender Loan-to-Value (LTV) limits.
TAKE THE NEXT STEP

Discuss Your Car Finance Requirement

Speak with our car loan advisors today for expert guidance on new car loans, used car finance, or refinancing options in Kharar, Mohali, and Chandigarh.

Call: +91 99141-28390 +91 99148-28390

Visit: SCO 82-C, City Heart Complex, Kharar, SAS Nagar, Mohali, Punjab
Disclaimer: Finance Point is a loan consultancy and DSA. Approval and terms are subject to lender assessment. No advance consultancy fee is charged by Finance Point; applicable consultancy fees and lender charges will be explained before proceeding.
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