Car Loans

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About Car Loans

Best vehicle loan in Kerala-2022

Best vehicle loan in Kerala-2022 is simple to obtain, is granted promptly, and has a low interest rate.
Car loan Kerala is simple to obtain. Get Best Car loans at lowest interest rate Kerala

A car loan in Kerala-2022 is simple to obtain, is granted promptly, and has a low interest rate.
. Best vehicle loan in Kerala is simple to obtain. Get Best Car loans at lowest interest rate Kerala.

Our Auto Loans address all your personal requirements for purchasing a vehicle just as for benefiting renegotiate on your vehicle for working capital or different costs, for example, training, marriage in the family and crisis costs. we  provide Best vehicle loan in Kerala-2022

Our tie ups with a few makers and sellers empower us to offer the ideal answers for you. We likewise have tie ups with Used Vehicle Dealers just as a board of Valuers and RTO operators to assist buy of pre-possessed vehicles or satisfy renegotiating needs of the clients.

We has disentangled banking for you, by guaranteeing straightforwardness in dealings. we  provide Best vehicle loan in Kerala|2022 We lead you through the entire procedure, including sourcing, field examination and documentation, which empowers us to give quick endorsements and dispensing.

Getting the chance to drive your fantasy vehicle can cause life to appear to be so much better .Our Auto loans rush to benefit and we ensure you take on the streets quicker with our brisk handling of the loan.

A trade-in vehicle loan is a loan which encourages you to a purchase pre-possessed vehicle. Purchasing a vehicle includes a ton of research and thought. From what model to pick, to the cost to the state of the vehicle, the rundown is perpetual.

EMI or the Equated Monthly Installment, at the basic level, refers to the fixed amount that you would be entitled to repay monthly to the car loan provider until the car loan matures. EMI is a part of every loan, in this case the car loan, is computedby principal amount and arate of interest.

                     In this scenario, car loan EMI is the most important element in car loan repayment since it is the EMI that a borrower would be liable to pay, for a short – to medium-term, depending on the choice of tenure.

A lower EMI gives more lucrative schemes to a borrower. But at the same time, a higher EMI for a shorter tenure might be more sensible.

What is evident by now is that the preference for EMI is subjective. Whatever the case may be the evaluation of monthly car loan EMI using the car loan EMI calculator is indispensable. Since the crucial decision of opting for a particular car loan scheme depends largely on the EMI, the EMIcalculator has become a necessity in order to apply for car loan.

Required Documents

  • Salary Certificate in Company Letter head /6 months pay slips
  • Copy of Job Contract, Passport and Visa
  • One year bank statement in which salary is credited
  • NRE bank account statement one year (Local bank)
  • Pan card, Adhaar card
  • Quotation(car)
  • Co-Applicant Details (Photo, ID ,Address proof )
Salaried Person
  • Salary Certificate in Company Letter head /3 months pay slips
  • Copy of Job Contract
  • One year bank statement in which salary is credited
  • form 16 , ITR and computation (2018 and2019 march)
  • Pan card, Adhaar card
  • Co-Applicant Details (Photo, ID ,Address proof )
  • Loan sanction letter & loan track (starting to till date)
  • Quotation (car)
Income tax payee (Business class)
  • Two year ITR, computation
  • One year bank statement
  • Business license copy
  • KYC (applicant and co-applicant)
  • Quotation




All loans are not created equal, Loans has become a great option for people to use.

Faster Loan

Cochin Financial Services helps you to get the loan faster than any other consultants! Starting from document prepartion, our main motto is to get you the money!

Choose amount

All charges are communicated up front in writing along with the loan quotation, and let us know how much money you want and we set strategy accordingly.

Enjoy the best rates

Our loan rates and charges are very attractive. we  provide Best vehicle loan in Kerala-2022.We always get you loan for the best interest rates in the market. Its upto us to get you a hassle free loan.

Decide your tenure

As our loan rates and charges are very attractive, we help the clients to workout on tenure which never become a burden for them. We works for you.


Loan Eligibility

The eligibility or qualification criteria for a car loan differs from one lender to the other according to the borrower’s profile.

AgeMinimum Age: 18 yrs.
Maximum Age: 75 yrs.
SalaryRs.10,000 per month (minimum)
Employment Type
Salaried or Self-employed individual/ partnership
3 yrs. (minimum) total experience/yrs. in business/profession;2 yrs. (minimum) in current post/business/profession
Type of CarNew or used
Residence Area
1 yr. (minimum) stay at current residence


Frequently Ask Questions

If you have a question that deals with clients, customers or the public in general, there is bound to be a need for the FAQ page.

Your bank will assess your repayment capacity while deciding the home loan eligibility. Repayment capacity is based on your monthly disposable / surplus income, (which in turn is based on factors such as total monthly income / surplus less monthly expenses) and other factors like spouse’s income, assets, liabilities, stability of income etc.

The main concern of the bank is to make sure that you comfortably repay the loan on time and ensure end use. The higher the monthly disposable income, higher will be the amount you will be eligible for loan.

Typically a bank assumes that about 55-60 % of your monthly disposable / surplus income is available for repayment of loan. However, some banks calculate the income available for EMI payments based on an individual’s gross income and not on his disposable income.we  provide Best vehicle loan in Kerala|2022

The amount of the loan depends on the tenure of the loan and the rate of interest also as these variables determine your monthly outgo / outflow which in turn depends on your disposable income. we  provide Best vehicle loan in Kerala|2022


You repay the loan in Equated Monthly Installments (EMIs) comprising both principal and interest.

Repayment by way of EMI starts from the month following the month in which you take full disbursement.

The longer the tenure of the loan, the lesser will be your monthly EMI outflow. Shorter tenures mean greater EMI burden, but your loan is repaid faster. we  provide Best vehicle loan in Kerala|2022.

If you have a short-term cash flow mismatch, your bank may increase the tenure of the loan, and your EMI burden comes down. But longer tenures mean payment of larger interest towards the loan and make it more expensive. Best vehicle loan in Kerala |Car loan Kerala is simple to obtain

Yes, most banks allow you to repay the loan ahead of schedule by making lump sum payments. However, many banks charge early repayment penalties up to 2-3% of the principal amount outstanding.

Prepayment penalty may vary according to the reasons and source of funds – if you obtain a loan from another bank for pre-payment the charges are usually higher than when you pay from your own sources.

However, you may credit more than your EMI amount into your loan account on a periodic basis and bring down your interest burden as and when funds are available with you. we  provide Best vehicle loan in Kerala|2022

Most banks do not charge a pre-payment penalty if you deposit more than your EMI payable on a periodic basis. Please check such stipulations while availing the loan.

Get a Quote

Now apply for a Loan online, All you need to do is provide your details below application form.