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Vehicle Loan by Tata Capital: 95% Funding With Best Interest Rate

Get the vehicle loan of your choice with TATA Capital

Two Wheeler Loan

Two wheeler loan

Bring home that motorcycle, scooter, or moped you’ve been eyeing with Tata Capital’s two-wheeler loan. Get access to funds up to Rs. 5 lakhs and repay comfortably in our flexible tenure of 6-60 months. And that’s not all. We also offer the best two wheeler loan interest rates in the market starting at just 10.99% p.a.

  • Quick and easy access to funds
  • Longer loan tenure
  • Flexible repayment options
  • Zero down payment
  • Vehicle ownership
Used Car Loan

Used Car Loan

With Tata Capital's used car finance, you can fund up to 95% of the car’s value and enjoy other benefits like flexible repayment options, low used car loan interest rates, quick disbursal, and more. So don’t let money keep you from bringing your dream vehicle home. Let’s look at other vehicle loan details you must know.

  • High loan amount
  • Flexible tenure
  • Quick processing
  • Flexible EMI options
  • Low interest rates

What is a vehicle loan?

Finally found your dream vehicle but worried about the financing? A vehicle loan is just what you need.

It helps you bring home your desired vehicle quickly, without dipping into your savings or disrupting your monthly budget. A vehicle loan is financing that you can use to purchase any vehicle— from a bike to a truck. It is a secured loan, which means the vehicle itself will be the collateral. 

So, you don’t have to worry about offering assets as security against your loan.

And the best part? You can repay your loan easily in comfortably monthly installments for a duration of your choice. 

And with Tata Capital, you can find the right loan to fit your needs. We have it all—competitive interest rates, flexible EMI options, longer repayment tenure, and more. and We are committed to helping you finance your next vehicle purchase quickly and with minimal paperwork. 

That was the vehicle loan meaning. But we have different options in store for you. Let’s dive into them.

Benefits of an Online Vehicle loan by Tata Capital

By securing a vehicle loan from Tata Capital, you can access the necessary funds to bring your dream vehicle home without depleting your savings. Let’s take a look at its benefits.

  • Attractive Interest Rates

    At Tata Capital, we provide attractive interest rates to ensure that your loan remains affordable and easy to manage. This helps you plan your finances without the worry of high-interest payments.

  • Up to 95% Funding

    Tata Capital offers up to 95% funding for used car loans, reducing the need for a large down payment. This high loan-to-value ratio makes it easier to purchase a pre-owned vehicle without significant upfront costs.

  • Simplified Documentation Process

    Our online process requires minimal documentation, making it easy to apply and get approved. You can upload necessary documents digitally, saving time and reducing paperwork.

  • Flexible Repayment Tenure

    We offer a long repayment tenure so that you can choose one that suits your financial situation. This allows you to spread out the cost of the loan over a period that is comfortable for you, ensuring manageable monthly payments.

  • Tailored EMI Plans

    To cater to diverse financial needs, Tata Capital provides two EMI plans: fixed EMI and flexi EMI. Fixed EMI keeps your monthly instalments constant throughout the loan term. Flexi EMI, on the other hand, starts with lower payments and gradually increases as your income grows, giving you greater financial flexibility.

  • Swift Approval and Disbursal

    Our streamlined online application ensures swift approval and disbursal of funds, getting you closer to your new vehicle faster. Spend less time waiting and more time enjoying your ride.

  • Diverse Repayment Options

    Enjoy the convenience of multiple repayment methods, including ECS, post-dated cheques, and online payments. Select the option that suits you best to repay your loan hassle-free.

  • Flexible Eligibility Criteria

    We offer straightforward eligibility criteria, making it easy for salaried and self-employed individuals to apply for a Tata Capital vehicle loan and realise their dream of owning a vehicle.

Eligibility Criteria for Two Wheeler Finance

Getting a two-wheeler loan is easy. It becomes all the more convenient when you’re up-to-date with all vehicle loan information and meet the eligibility criteria. So before submitting your application form, make sure you fulfill these conditions-

  • Your age must be between 21 and 65 years.
  • You must be an Indian resident.
  • You must have a minimum monthly income of Rs. 10,000.
  • You must have a decent credit score (preferably 700 and above).
  • You must have at least 1 year of residential and residential stability.

How to Apply for a Two-wheeler Loan with Tata Capital?

Applying for a two-wheeler loan with Tata Capital is super easy. Just follow these steps to apply online-

That’s it. Our representative will get in touch with you and guide you through the next steps.

If you are not comfortable with the online process, you can also submit your vehicle loan application offline. All you need to do is visit your nearest TATA Capital branch, fill out the application form, and submit the required documents. You can also easily run a vehicle loan status check online.

Bike Loan EMI Options

At Tata Capital, we understand what is affordable for one might not necessarily be affordable for the other. This is why we offer two EMI options. Depending on your income and repayment capacity, you can select one that best fits your budget.

  • Fixed EMI - Under this plan, the principal and interest components of the loan remain the same throughout the loan tenure.

  • Flexi EMI - Under this plan, your EMIs are lower in the beginning and gradually increases with an increase in your income.
     

With exciting features, quick application process, and attractive interest rates, buying your desired two-wheeler is just a loan application away.

Vehicle Loan Eligibility Criteria

Vehicle Loan Eligibility Criteria

  • Your age must be between 21 and 60 years.

  • You must have a minimum monthly salary of Rs. 20,000.

  • You must have a minimum of one year of work experience.

Vehicle Loan Eligibility Criteria

  • You must be the proprietor.

  • Your age must be between 21 and 65 years.

  • The business must have been operating for at least the past three years.

  • You must have a minimum income of Rs. 2 lakhs per annum.

Vehicle Loan Eligibility Criteria

  • Either the firm or the individual partner must have an annual income of Rs. 2 lakhs.

  • ABB must be 0.5 times the EMI.

  • You must have a telephone or mobile connection.

Vehicle Loan Eligibility Criteria

  • You must have a minimum annual income of Rs. 2 lakhs.

  • You must have an office landline connection.

  • ABB must be 0.5 times the EMI.

How to Apply for a Used Car Loan with Tata Capital?

Follow these steps to apply for a used car loan with Tata Capital-

That’s it. Our representative will get in touch with you and guide you through the next steps.

If you are not comfortable with the online process, you can also submit the form offline. All you need to do is visit your nearest TATA Capital branch, fill out the application form, and submit the vehicle loan documents required.

Used Car Loan EMI options

Pay your EMIs conveniently with a repayment plan that works the best for you. Choose from our two options-

  • Fixed EMI - With the fixed EMI plan, your monthly installment amount remains the same throughout the loan tenure. This way, you know how much money you must set aside every month for the loan repayment and plan your monthly budget efficiently.

  • Structured EMI- - Expect your salary to increase in the future? Then, you must consider our Structured EMI plan. It allows you to pay lower EMIs in the beginning and gradually increase the repayment amount as your income increases.


Turn your dream into reality and become a proud car owner with Tata Capital's used car loan. Enjoy low interest rates, minimal documentation, flexible repayment plans, and a hassle-free application process.

Calculating your Vehicle Loan EMI

Whether you’re dreaming of a stylish scooter or a luxury second-hand car, it’s important to determine your potential EMIs to repay your loan with ease. And the quickest way to calculate this is using an online EMI calculator. It is a digital tool that considers your loan principal amount, interest rate, and repayment tenure to calculate your potential EMI.

Here’s how you can use it-

The calculator will automatically calculate your potential EMIs instantly. And if you’re not satisfied with the result, keep adjusting the parameters to arrive at a more comfortable amount.

Popular FAQs

What is the minimum credit score to get a Car Loan?

Various factors affect your eligibility for a used car loan, including income, outstanding debts, work stability, and credit score. A credit score of 750 or above is generally preferred for used car loans. A higher credit score increases your eligibility and improves your chances of securing a loan with better terms, such as a higher loan amount, longer tenure, and lower interest rates.

What types of vehicle loans does Tata Capital provide?

We offer various vehicle loans to suit your needs, including used car loans and two-wheeler loans. Whether you are looking to purchase a pre-owned car or a motorcycle, Tata Capital provides flexible repayment options, competitive interest rates, and an online application process to make your purchase easier and more affordable.

What are the minimum and maximum tenures for Vehicle Loans?

At Tata Capital, we offer flexible loan tenures for vehicle loans. The tenure for used cars ranges from 12 to 72 months, and for two-wheelers, it ranges from 6 to 60 months. This flexibility allows you to choose a repayment period that aligns with your financial situation and repayment capability.

What are the terms and conditions for a Vehicle Loan?

    To be eligible for a vehicle loan from Tata Capital, you must meet the following eligibility criteria:

    For salaried employees:

    • Age between 21 and 60 years.

    • Minimum monthly salary of Rs. 20,000.

    • Minimum one year of work experience.

    For self-employed individuals:

    • Age between 21 and 65 years.

    • Must be a proprietor.

    • Business must be operating for at least three years.

    • Minimum annual income must be Rs. 2 lakhs.

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