Call us : +91 9846399200 | Email us : [email protected]

Used car loan in Kochi | Kerala

We are one of the leading providers of  used used car loan in Kochi |Kerala, with a wide range of services and flexible options to meet the needs of our customers. Our goal is to provide the best  used car loan services to our clients and help them purchase their dream vehicle with ease.

We offer our used car loan services in several locations across India. Places we provide used car loan in Kerala :

  • Thiruvananthapuram
  • Kollam
  • Pathanamthitta
  • Kottayam
  • Alappuzha
  • Ernakulam
  • Thrissur
  • Palakkad
  • Malappuram
  • Kozhikode
  • Kannur
  • Kasaragod

Used car loans we provide in other cities :

  • Chennai
  • Coimbatore
  • Selam
  • Thiruchi
  • Mangalore

We partner with some of the best  used car loan providers in India to offer our customers a variety of options and competitive rates. Our team works tirelessly to provide you with the best possible car loan experience and make the process of obtaining a car loan as simple and stress-free as possible. So, if you are looking for a car loan in India, look no further. Get in touch with us today to learn more about our used  car loan services and how we can help you achieve your financial goals


  • Flexible Tenure
  • Quick Processing
  • Flexi EMI Options
  • Competitive interest rates

Your very own vehicle would imply that you don’t need to rely upon anybody while attempting to go anyplace. It would likewise make you look that a lot cooler among your companions and capable among the older folks. At last, having your very own vehicle is an enormous advance throughout everyday life.

After constantly and exertion you have put in at work, you merit a little self-spoiling right? The main issue is that buying a vehicle is no little purchase. The all out expense can come up to a significant sum, particularly on the off chance that you go for a spic and span vehicle.

Numerous specialists propose that purchasing a second hand vehicle is a savvier speculation since autos devalue so rapidly, and the devaluation is steepest in the initial couple of years. That implies that in the event that you purchase a second hand vehicle, you will pass up this lofty devaluation. Furthermore, second hand vehicles are a lot less expensive than first hand cars. That implies that you won’t consume a colossal gap in your pocket to have your very own vehicle.

Cochin Financial Services – The Key to Acquiring Used Car Loan in Kochi, Kerala

Owning a car is no longer a luxury but a necessity, providing convenience and enhancing mobility in our daily lives. Cochin Financial Services understands the aspirations of individuals like you who are seeking to purchase a pre-owned car and offers tailored financing solutions through their used car loan program.

The key highlights and benefits of the used car loan provided by Cochin Financial Services:

  • Quick and Simple Application Process
  • Financing for Various Car Models
  • Expert Assistance and Guidance

Cochin Financial Services is committed to helping individuals in Kochi, Kerala fulfill their dream of owning a used car. With our customer-centric approach and comprehensive range of loan offerings, we strive to make the entire process hassle-free and convenient for you.

If you have any queries or would like more information regarding the used car loans provided by Cochin Financial Services, please do not hesitate to contact our friendly and knowledgeable team.

Used car loan in Kochi | Kerala



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 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


Age of the Applicant

  • Between 21 years and 65 years for salaried applicant
  • Between 25 years and 65 years for Businessmen/Self-employed applicant

Minimum Income

  • Rs.15,000 per month for salaried applicant
  • Net profit of Rs.1.5 lakh p.a for Businessmen/Self-employed applicant

Income Status

  • At least 1 year of continuous employment for salaried applicant
  • Should have been in the same line of business for at least 3 years for Businessmen/Self-employed applicant

Age of the Vehicle

  • Less than 10 years at the time of loan maturity


Please note that the eligibility criteria may vary from lender to lender and hence, it is a good idea to check for the same with the respective lenders.

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.


How will your bank decide your used car loan eligibility?

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.

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. cfs provide used car loan in Kochi |Kerala-2023.

What is an EMI?

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.

How does tenure affect cost of used carloan?

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. 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.

Can you repay your used car loan ahead of schedule? Is pre-payment of loan allowed?

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. Cochin finance provide best used car loan in Kochi |Kerala-2023

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.

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. cfc is the used car loan in Kochi |Kerala .

Get a Quote

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