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Vehicle Loan
At KriShiv In.Tech Private Limited, we make your journey to owning a vehicle seamless and affordable.
Drive Your Dream Vehicle with Ease
Since 2004, we’ve been a trusted name in Gujarat’s financial sector, offering a wide range of vehicle loan solutions to help you drive home your dream car, bike, or commercial vehicle. Whether you’re buying a new vehicle, a pre-owned one, or seeking to optimize an existing loan, our tailored loan products deliver competitive rates, flexible terms, and exceptional service.
Our Vehicle Loan Offerings
Our comprehensive vehicle loan portfolio caters to individuals and businesses alike, covering cars, two-wheelers, and commercial vehicles. With partnerships from leading banks and NBFCs, we ensure a transparent and customer-focused financing experience.
1. New Vehicle Loans
Ready to drive a brand-new car, bike, or commercial vehicle? Our New Vehicle Loans provide financing for purchasing the latest models from authorized dealers.
Key Features
- Financing up to 90% of the vehicle’s on-road price (subject to eligibility).
- Competitive interest rates starting at 7.50% p.a.*
- Flexible repayment tenures up to 7 years for cars and 5 years for two-wheelers.
- Quick approval and disbursal with minimal documentation.
Ideal For
Salaried professionals, self-employed individuals, and businesses looking to purchase new vehicles.
2. Old/Resell Vehicle Loans
Found the perfect pre-owned vehicle? Our Old/Resell Vehicle Loans make it easy to finance used cars, bikes, or commercial vehicles at affordable rates.
Key Features
- Loans for certified pre-owned vehicles from trusted dealers or individuals.
- Attractive interest rates starting at 8.00% p.a.*
- Repayment tenures up to 5 years for cars and 4 years for two-wheelers.
- Expert assistance with vehicle valuation and documentation.
Ideal For
Budget-conscious buyers seeking reliable, cost-effective pre-owned vehicles.
3. Top-Up Vehicle Loans
Need extra funds for vehicle upgrades, repairs, or personal expenses? Our Top-Up Vehicle Loans provide additional financing alongside your existing vehicle loan.
Key Features
- Access up to ₹10 lakh or higher, based on vehicle valuation and eligibility.
- Use funds for accessories, maintenance, or other financial needs.
- Repayment tenures aligned with your existing loan or extended up to 7 years.*
- Fast processing with minimal paperwork.
Ideal For
Existing vehicle loan borrowers needing additional funds for vehicle-related or personal expenses.
4. Refinance Vehicle Loans
Optimize your existing vehicle loan with our Refinance Vehicle Loans to benefit from lower interest rates, reduced EMIs, or better repayment terms.
Key Features
- Transfer your outstanding loan balance to us for rates as low as 7.50% p.a.*
- Combine refinancing with a top-up loan for additional funds.
- No prepayment penalties for floating-rate loans.
- Simplified process with expert support.
Ideal For
Borrowers looking to lower interest costs or adjust loan terms for better affordability.
5. Balance Transfer Vehicle Loans
Switch your existing vehicle loan to KriShiv In.Tech to save on interest and enjoy better terms with our Balance Transfer Vehicle Loans.
Key Features
- Transfer your outstanding loan balance after paying at least 6 monthly installments with your current lender.
- Competitive interest rates starting at 7.50% p.a.*
- Option to combine with a top-up loan for additional funding.
- Tax benefits on interest payments, as per applicable tax laws.
Ideal For
Borrowers seeking lower EMIs, flexible repayment options, or extra funds through a top-up.
6. Secured Vehicle Loans (Loan Against Vehicle)
Unlock the value of your vehicle with our Secured Vehicle Loans, also known as Loans Against Vehicle, to meet significant financial needs.
Key Features
- Borrow up to 70% of the vehicle’s market value for business or personal needs.
- Competitive interest rates and tenures up to 5 years.
- Transparent vehicle valuation and quick disbursal.
- Flexible repayment plans tailored to your financial situation.
Ideal For
Vehicle owners needing funds for business expansion, emergencies, or other large expenses.
Why Choose KriShiv In.Tech for Vehicle Loans?
With over 20 years of expertise in Gujarat’s financial sector, KriShiv In.Tech Private Limited is your trusted partner for vehicle financing. Here’s what sets us apart:
Personalized Solutions
Our experienced team customizes loan products to match your financial goals and vehicle preferences.
Technology-Driven Efficiency
Our advanced CRM and DMS systems ensure fast processing, easy tracking, and seamless loan management.
Trusted Financial Partnerships
We collaborate with leading banks and NBFCs to offer you the best vehicle loan products with competitive rates.
Customer-Centric Service
Our clients across Ahmedabad praise our prompt, transparent, and courteous service, as reflected in our testimonials.
End-to-End Support
From application to disbursal and repayment, we provide comprehensive assistance for a hassle-free experience.
Who Should Opt for Our Vehicle Loans?
With over 20 years of expertise in Gujarat’s financial sector, KriShiv In.Tech Private Limited is your reliable partner for commercial financing. Here’s what makes us stand out:
Our vehicle loan products are designed for:
- Individuals purchasing new or pre-owned cars, bikes, or commercial vehicles.
- Vehicle owners seek additional funds for upgrades, repairs, or personal needs.
- Borrowers aim to reduce EMIs or optimize existing loans through refinancing or balance transfer.
- Businesses or self-employed individuals needing financing for commercial vehicles or loans against vehicles.
- NRIs, salaried professionals, and self-employed individuals seeking flexible vehicle financing.
How It Works
Connect with Us
Reach out via email at info@krishivintech.com or fill out our “Get Quote” form to discuss your vehicle loan needs.
Tailored Loan Selection
Our experts assess your financial profile, vehicle choice, and goals to recommend the best loan option.
Seamless Application
Apply online or offline with minimal documentation, supported by our tech-enabled process.
Fast Approval and Disbursal
Get loan approval within 24-48 hours* in most cases, with funds disbursed quickly.
Ongoing Support
Track your loan, manage EMIs, and access dedicated support through our customer portal or team.