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What is a car loan?

The car loan is actually an automobile loan. It is basically an agreement between the borrower and the lender of the loan. This agreement signifies that the lender will provide the borrower with the money against his or her car. Generally, by a car loan, we mean the loan amount which you get by investing your car in a borrower.

What are the basic features of a car loan?

  • Get the finance to purchase the used and the new cars.
  • The finance can avail till 85 percent to 90 percent.
  • The loan is for the period of 1 year to 7 years.
  • The amount of the loan may be up to three times the annual income of the applicant.

What should be the minimum income for the car loan?

When you are ready to finance a car, just try to make sure that you have enough available income to afford a loan and with success pay it off. Do you know how the lenders calculate your earning? When you just take out a bad credit loan, there are certain minimum income requirements you have to deal with. This includes a minimum monthly income requirement and having an acceptable debt to income (DTI) and payment to income (PTI) ratios.

What are 0 car finance deals?

0 cost EMI on the car loan is often termed as 0 car finance deals. Eventually, a car dealer may offer a zero percent loan that is not tied with the main capital. These are always considered a scam. Car dealers are there to arrange the financing through various banks. Here if you hire a car dealer to apply for a car loan, you will be able to get some facilities, which you cannot get in other organizations.


A personal loan can be made secured against something of value, or more commonly, unsecured. A car loan is considered secured against the car you intend to purchase, which means the vehicle serves as collateral for the loan.
  • What checks are done for car finance?
  • Proof of identity and personal details
  • Driver’s license
  • Address and address historys
  • Proof of income
  • Credit score
  • Employment details and history
  • How long does it take for car finance to be approved?
  • How to get the best car finance deals
Car Finance applications can get paid out the same day, they can be really really quickly if there are no strange problems with the application, however, if you have poor credit you may be required to upload bank statements and also driving licenses to the brokers. This can take time.
In Only Desi, you will find the best car loan, provider. There are a number of car loan providers and dealers who will help you to get a car loan at an affordable rate of interest.
That entirely depends on the value of your car.

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