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Get an instant overview of everything about new car loans that deliver speed, value, and convenience.
| Feature | Details |
|---|---|
| Loan Amount | ₹1 Lakh – ₹1 Crore |
| Interest Rates | 7.5% – 12.5% p.a. |
| Tenure | 1 – 7 Years |
| Processing Fee | 0.5% – 2% |
| Funding | Up to 100% of the vehicle price |
| Eligibility | Salaried & Self Employed |
| CIBIL Score | 700+ preferred |
| Prepayment | Permitted (charges may apply) |
| Approval Time | 1–3 Business Days |
From flexible repayment schedules to fully digital onboarding, here's what you get when you borrow with us.
Flexible Repayment Options
Pick a repayment term and EMI amount that suits your monthly budget — no rigid payment structures.
Full On-Road Financing
Get your entire on-road car price financed. No large down payment needed to drive home your new car.
Fully Online Application
Apply from your phone or laptop in minutes. No branch visits, no paperwork queues — just a simple digital form.
Rapid Fund Disbursal
Once approved, your loan amount is processed quickly so you're not waiting around to take delivery.
These are the standard requirements most lenders look for. Meeting them improves your chances of fast approval.
| Criterion | Requirement |
|---|---|
| Age Range | 21-60 years |
| Employment Type | Salaried / Self-Employed |
| Monthly Income | Meets the minimum threshold |
| CIBIL Score | 700 or above |
| Work Experience | Minimum 1-2 years+ |
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We've built our platform around making car financing faster, simpler, and more transparent for every borrower.
Attractive Interest Rates
We compare offers across 50+ lenders so you get the lowest rate available for your profile.
No Foreclosure Penalties
Clear your loan ahead of schedule without worrying about extra charges eating into your savings.
End-to-End Digital
From application to disbursal, every step happens online. No paperwork, no branch visits required.
Zero Credit Score Impact
Check your loan eligibility without triggering a hard enquiry on your credit report. Safe and discreet.
Quick Access to Funds
Approved loans are disbursed rapidly — often within one to two business days of document verification.
Tailored EMI Plans
Your repayment schedule is built around your income and lifestyle, not a one-size-fits-all template.
From checking eligibility to receiving funds — the entire process is designed to be fast and completely hassle-free.
Check Your Eligibility
Enter basic information like your income, employment type, and city. Know your loan eligibility within seconds.
Compare & Select an Offer
Browse personalised offers from top banks and NBFCs. Pick the plan with the best rate and terms for your situation.
Submit Documents & Get Funds
Upload your documents digitally and receive final approval. Your loan gets disbursed to complete your car purchase.
We've partnered with 50+ top banks and NBFCs to offer the best car loan interest rates and flexible financing options.
A few informed choices before you apply can save you a significant amount over the life of your loan.
A quick checklist of the necessary paperwork for your Urban Money car loan.
Financial Knowledge Hub
Stay informed with expert financial guides, tips, and industry updates.
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Find quick answers to common questions about our car loan products and processes.
