Used Car Loan

Features and Benefits

Upto 100% Loan

Upto 100% loan

Upto 100% on-road funding

RC Transfer

RC Transfer

Hassle free RC Transfer and end-to-end Support

Attractive Used Car Interest Rates

Attractive used car loan interest rates

Comparable EMIs with multiple offers

Quick Approvals

Quick Approvals

Instant eligibility check and completely digital process

Why should you buy a used car ?

  • Affordibility


    Opting for a pre-owned version of your desired car model would cost you much less than the brand new version of the same car model. So you save more money and also get an option to buy a bigger car in the same budget.

  • Slower Depreciation

    Slower Depreciation

    The moment your new car leaves the showroom, its value starts depreciating, usually 20% per year summing up to approximately 50% in the early years itself. Selecting a pre-owned car helps you avoid value depreciation.

  • Lower EMI Replayments

    Lower EMI Repayments

    When you purchase a pre-owned car, you pay a lower price for the car. This means, you apply for a smaller loan amount, thereby, paying lower EMI every month. It is always beneficial to consider a pre-owned car over a new one.

Avail loan in 4 simple steps


Submit your details

Fill your details on the platform


Select your loan offer

Choose from available offers


Complete instant V-KYC online

Verify your identity


Get your loan disbursed

Submit Application

Used Car Loan Eligibility

You are eligible to avail a car loan if you meet the below criteria


For Salaried Individuals

  • Individuals who are at least 21 years old at the time of loan application and no older than 60 at the conclusion of the loan term
  • Individuals who have worked for at least two years, including at least one year with their present employer
  • Those with an annual income of at least ₹ 2,50,000 including the income of their spouse or co-applicant

For Self-employed Individuals

  • Individuals who are at least 25 years old at the time of application and no older than 65 at the conclusion of the loan term are eligible.
  • Those who have been in operation for at least two years
  • Individual should earn at least ₹ 2,50,000 per annum
*Final eligibility is subject to profile and credit score

Documents Required for second hand car loan

For salaried individuals

  • KYC documents (Valid Photo ID Proofs)
  • PAN Card
  • Salary Slip (latest 3 months)
  • Salary account statement(latest 6 months)
  • Signature Verification Proof
  • Registration Certificate of the car

For self employed individuals

  • KYC documents (Valid Photo ID Proofs)
  • PAN Card
  • Last 2 years ITR as proof of income
  • Salary account statement(latest 6 months)
  • Signature Verification Proof
  • Registration Certificate of the car
*Final list of required documents is subject to the lender you apply with and your profile

Lending Partners

  • ICICI Bank
  • Bank of Baroda
  • Axis Bank
  • IDFC First Bank
  • Kotak Mahindra
  • Tata Capital
  • Bajaj Finserv
  • Hero Fincorp
  • Mahindra Finance
  • Girnar Capital


What are the benefits of applying through Rupyy?

Rupyy is a one-stop solution for all your car finance needs. We have partnered with India’s leading financers to help you get a loan to purchase your dream car. We provide you with door-step assistance making the process hassle-free and quick. Just fill the form, check your eligible quotes from our partners and submit the application with us. We will take care of the rest.

How can I benefit from getting my loan approved before finalizing my car?

Getting your loan approved before finalizing your car has multiple benefits. 1. You save on processing time of the application helping you get faster approval and 2. You get to know your overall loan eligibility based on your budget. This helps you shortlist more cars that meet your eligibility before finalizing one.

How much loan can I get on a used car?

Loan amount eligibility depends on the value of the car you are purchasing. You can get a loan upto 90% of the car value. Some lenders even provide upto 100% funding depending on your application. You can get more information about this from our loan consultant after completing the application

Do I need to go to the Bank to complete documentation/visit the Rupyy office myself to sign docs?

Absolutely NOT! Our executive will get the loan agreement and print outs of all the online submitted documents. All signatures and application filling will be done at one go at the time of car release at the dealership.

What is the process of transfer of ownership after my loan is sanctioned?

After your loan application is sanctioned, Rupyy helps you in transfer of ownership of the vehicle in your name. To start the process, we get original documents of the vehicle you have purchased, collected and submit it to the RTO on your behalf. The transferred RC is then directly sent to your current address post transfer of ownership and hypothecation addition.

Let's Begin

Now drive away in your dream car with the help of our second hand car finance

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Your one-stop shop for all finance needs. Avail 100% paperless loan in less than 24 hours.Address : Gaadi Web Private Limited, 11th Floor, Tower B, Emaar Digital Greens, Golf Course Extension Road, Sector-61, Gurugram-122 102, Haryana, India.


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rupyy emi is a used car loan product that is financed by Girnar Capital Pvt. Ltd. (Formerly known as Khemlani Finance Pvt. Ltd.).
Girnar Capital Pvt. Ltd. is an RBI registered NBFC.
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