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Car Refinance Specialists — Pan India
Still Paying Your Old Car Loan Rate? You're Probably Paying Too Much.
Rates have dropped. Your credit profile has improved. You deserve a better deal — and switching takes less than a week. We calculate your savings and handle everything.
Or call us: +91 96070 19050
Your details are confidential · No spam · No obligation
Check your eligibility — free
30 seconds. No documents needed yet.
What is this?
Understanding this loan — in plain English
Car refinancing means transferring your existing car loan from your current lender to a new one who offers a lower interest rate. Your car stays the same. Your loan outstanding moves to the new lender. You get a lower EMI or shorter tenure — or both.
Even a 1.5% reduction in rate on a ₹10 lakh car loan saves you ₹42,000 over a 5-year tenure. We compare your current rate against what 20+ lenders are offering today — and recommend refinancing only when the savings genuinely make sense after accounting for any prepayment charges.
Who Qualifies
Are You Eligible? Check in 30 Seconds.
If you're salaried
- Existing car loan with minimum 6 months of repayment
- Clean repayment history — no bounces
- Minimum 12 months tenure remaining
- CIBIL score ideally improved since original loan
- Vehicle not older than 8 years at time of transfer
If you're self-employed
- Existing car loan in good standing
- 6+ months clean repayment
- ITR showing stable income
- CIBIL score 650+ preferred
- Vehicle age within lender's limit
Not sure if you qualify? WhatsApp us — we'll tell you in 5 minutes.
Why Credit Consultancy
KEY FEATURES
Rate Comparison
We compare your current rate against live rates from 20+ lenders and calculate your exact monthly and total savings before recommending.
Prepayment Penalty Navigation
We factor in your current lender's prepayment charges to ensure the net savings from refinancing are worth it.
Complete Transfer Handling
From getting the foreclosure letter to completing the RC hypothecation transfer — we handle the entire process.
EMI Reduction
The primary goal — reduce what you pay every month. Even ₹1,000 per month adds up to ₹60,000 over 5 years.
Tenure Reduction
Prefer to pay the same EMI but finish faster? We find refinance options that keep your EMI stable while shortening your overall tenure.
Balance Transfer + Top-Up
Refinance AND get extra funds at the same time. Lower rate on your outstanding + fresh cash on top.
How It Works
5 steps from first call to funded
WhatsApp us
Tell us your requirement, amount and city
Profile review
We assess eligibility and fix issues
Lender match
Right lender identified for your profile
We apply
Clean application submitted correctly
You get funded
We follow up until money hits your account
Why smart borrowers come to us first
Ex-bankers on your side
We know how credit decisions are made — because we used to make them. That knowledge means fewer rejections for you.
Right lender, first time
We match your profile to the lender most likely to approve — before applying. No shotgun approach. No score damage.
Faster than going directly
We know exactly what each lender needs. No back-and-forth. No missing documents. Faster approval from day one.
Pan India — any city
We work with lenders across India. Wherever you are, we find the right lender for your profile and your property.
Zero consultation fee
We earn from the lender when your loan is disbursed. You pay us nothing. Our interests are aligned with yours.
We stay until it's done
We don't disappear after submitting. We follow up daily until the money hits your account. No chasing required.
Documents
What You'll Need to Apply
Don't worry if you don't have everything ready. WhatsApp us first — we'll tell you exactly what applies to your situation.
Current Loan
- ✓ Current loan account statement (6–12 months)
- ✓ Foreclosure letter from existing lender (we help you get this)
Vehicle
- ✓ RC Book
- ✓ Car insurance policy
- ✓ Vehicle photos may be required
Identity & Income
- ✓ PAN Card
- ✓ Aadhaar
- ✓ Last 3 months salary slips or ITR
- ✓ Last 6 months bank statements
Not sure what you need?
WhatsApp us — personalised document checklist in minutes, free.
→ WhatsApp us nowFAQ
Questions People Ask Before Applying
Q: When does refinancing make sense?
When the interest savings over your remaining tenure exceed the prepayment penalty and processing fee of the new loan. We calculate this exact number for you before recommending.
Q: Will my current lender charge a prepayment penalty?
Some do — typically 2–5% of outstanding principal. We factor this into our savings calculation. If the penalty wipes out the savings, we tell you honestly and suggest waiting.
Q: How long does the refinancing process take?
Typically 5–7 working days from document submission. The slowest step is getting the foreclosure letter from your current lender — we help you request this immediately.
Q: Can I get a lower EMI even if my credit score hasn't improved?
Possibly — if market rates have dropped since you took the loan, you may still get a better rate. We check both your profile improvement AND current market rates.
Q: What happens to my RC after refinancing?
The hypothecation on your RC changes from your old lender to the new one. We guide you through the RTO process for this change.
Q: Do you charge any fees?
No. Zero consultation fees. We earn from the lender only when your loan is disbursed.
Find Out How Much You Can Save by Refinancing Your Car Loan
Tell us your current lender, outstanding balance, remaining tenure, and current rate. We'll calculate your exact savings and recommend the best refinance option — free, no obligations.
💬 WhatsApp Us Now — It's Free!🔒 Confidential · No spam · No hidden fees · No obligation to proceed