Car loan quote
Your answers set this quote.
Monthly EMI
≈₹16,160–₹18,610/mo
Estimate on a typical ₹8L loan over 5 years. Your answers narrow it.
Tenure, years
Total interest
≈ ₹1.7L–₹3.2L
Paid to the dealer
In about 2 working days
Car loan
Your car loan, in a minute.
Five answers set your quote. No documents needed.
- No credit checkA quote never touches your score.
- Nothing sentUntil you press send, it stays here.
- From 7.85%A year, across our lenders.
Car loans are what we do most.
Buying new or used, or paying less on a car you already own. Every make, every kind of seller.
- 01
New car loan
Up to 90% of the on-road price, fast enough that the booking doesn't wait.
- 02
Used car loan
From a dealer or straight from the owner. The lender values the car, and we tell you the rate plainly.
- 03
Refinance a car you own
Raise funds against your car, or stretch the tenure to bring the EMI down.
- 04
Move your car loan
To a lender with better terms, with a top-up if you've repaid part of it.
Makes we finance most
Why not just take the dealer's loan?
You can. This is what changes when someone compares lenders for you first.
- 25+
public sector banks, private banks and NBFCs, compared for your profile.
At the dealer: the bank or two it has a tie-up with.
- 2 days
from approval to the dealer being paid. Clario chases every step, so the booking doesn't wait.
At the dealer: a queue at the showroom's bank.
- One
set of documents. Clario collects them and takes your case to every lender.
At the dealer: a form for each bank you try.
Self-employed, or turned down before? That's where comparing matters most. Start a quote
Car loan rates · checked 10 October 2026
Car loan rates from 7.85%
a year to start, on a new car with a credit score of 800 or more. Used cars from 11%.
See your own rate and EMI ↑- 90%
- of the on-road price, funded
- 7 yrs
- the longest tenure, to keep the EMI low
- 48 hrs
- to an approval, once your papers are in
- 2 days
- from approval to the dealer being paid
Indicative, not an offer. Approval, rate and fees are decided by the lender.
The sticker isn't the price.
Lenders fund a share of the on-road price, up to 90% on a new car. Here's a ₹10,00,000 car in Bengaluru.
- On the sticker₹10,00,000Ex-showroom price
- On the road₹11,80,000Plus road tax and registration ₹1,45,000, insurance ₹35,000
- You pay at least₹1,18,000The lender funds the other ₹10,62,000
Example. Road tax, registration and insurance are estimates; your dealer's quotation has the exact figures. Used cars: the lender funds up to 80% of its valuation.
Insurance, sorted with the loan.
The dealer adds a policy to the on-road price, and it isn't always the cheapest. You're free to bring your own. Clario compares cover from five insurers, for a new car or a renewal, and sends the quotes with your loan. Tick the box on the last step of your quote.
Insurers we quote
- HDFC ERGO General Insurance
- ICICI Lombard General Insurance
- Tata AIG General Insurance
- SBI General Insurance
- Kotak Mahindra General Insurance
Comprehensive, third-party and zero-depreciation cover.
What you'll need.
Five documents, usually already on your phone. Your advisor sends the exact list for your lender and collects them for you.
- PAN card
- Aadhaar card
- Last 3 months' salary slips
- 6 months' bank statements
- Form 16 or latest ITR
- PAN card
- Aadhaar card
- Last 2 years' ITR with computation
- 12 months' bank statements
- GST registration or business proof
For the car, also
- The dealer's quotation
What people ask first.
Anything else, ask Clario on WhatsApp.
Do you charge a fee for your service?
No. Clario is paid by the lending partner once your loan is disbursed. Any processing fee is charged by the lender, and we show it to you before you choose.
Will checking my eligibility affect my credit score?
No. The eligibility estimate on this site uses only the numbers you enter. A credit check happens only when you choose a lender and apply.
How much down payment do I need?
At least 10% of the on-road price on a new car, and 20% on a used one. Putting down more lowers your EMI and the interest you pay overall.
Can I get a loan for a used car?
Yes. The lender values the car itself and funds up to 80% of that value. Rates on used cars run a little higher than on new ones.
Who does the lender pay, me or the dealer?
The dealer, directly, once the loan is approved. For a used car bought from a person, the lender pays the seller.
How fast can I get the money?
Once your documents are in, car loans usually pay out in about 2 working days and personal loans in about 3. Home loans take around 2–3 weeks, because the lender checks the property's legal papers first.
I've been turned down before. Can you still help?
Often, yes. A rejection usually means the wrong lender, not the wrong borrower. We know which lenders take self-employed income, a thin credit history or an earlier rejection, and we present your case to them properly.
Is my information safe?
Your details are shared only with the lenders you agree to apply with, and never sold. You can ask us to delete your data at any time.
LOAN ADVISORYClario Loans
J. P. Nagar, Bengaluru
Talk to a person.
Clario arranges car loans every week. Send the dealer's quotation and hear back which lenders will say yes, and at what rate.