Offers for New Customers
Loan of up to Rs. 40 Lakh
No Guarantor / Collateral
No Hidden Charges
Features & Benefits
Why choose a Car Loan?
Drive your dream car today — with flexible repayment options, competitive rates, and ownership from the very first day.
Swift Access to Funds
Get quick loan disbursals so you can drive your car home without unnecessary delays — a streamlined process from application to approval.
Flexible Loan Terms
Choose a repayment tenure that suits your financial situation, with terms structured to keep your monthly EMIs comfortable and manageable.
Stable Fixed Interest Rates
Benefit from fixed interest rates that keep your EMI predictable throughout the loan tenure — no surprises, just steady repayments.
Tailored Loan Amounts
Loan amounts are customized to your income profile and credit score, ensuring you get the right funding for the car of your choice.
Potential Tax Advantages
Self-employed individuals and business owners may avail tax deductions on car loan interest, reducing the overall cost of the loan.
Credit Score Improvement
Timely repayments on your car loan help build and improve your credit profile, opening doors to better financial opportunities in the future.
Eligibility
Meet the following criteria to qualify for a Car Loan from Fintexis Services.
Age Criteria
Applicant must be between 21 and 65 years of age at the time of loan application.
Credit Score
A minimum credit score of 650 or higher is required for loan eligibility.
Business Vintage
Minimum business vintage of 3 years with a stable operational history required.
Loan Amount
Loan amount ranges from ₹5 Lakh to ₹5 Crore, covering machinery purchase and ancillary components.
Interest Rate
Attractive rates starting from 12% per annum onwards, based on your credit and business profile.
Required Documents
- Business ownership proof
- Income Tax Returns (ITR) for the last 3 years
- KYC Documents — Aadhaar card, PAN card, driving license, passport
- Proforma invoice of the machinery purchase
- Bank statements for the last 6 months
Ready to Upgrade Your Car?
Get the best machinery loan deal with higher loan amounts, attractive rates starting at 12%, and flexible repayment options — catering to MSMEs, SMEs, and enterprises across India.
Features & Benefits
Why choose a Education Loan?
Finance your academic dreams — with flexible repayment options, moratorium periods,
and coverage for institutions in India and abroad.
Moratorium Period
Repayment begins only after course completion, giving you the time needed to secure employment before EMIs start — no financial pressure during your studies.
Co-borrower Option
Parents or guardians can join as co-borrowers to strengthen eligibility, improve loan terms, and increase the approved loan amount for your education.
Tax Benefits
Interest repayments on education loans may qualify for tax deductions under Section 80E of the Income Tax Act, reducing the effective cost of your loan.
Diverse Course Coverage
Loans cover a wide range of programs — from school education to higher studies — at institutions both in India and abroad, giving you full freedom of choice.
Flexible Loan Amounts
Loan amounts are tailored to your program costs, income profile, and credit history — ensuring you get the right funding for your course of choice.
Flexibility in Collateral
Smaller loan amounts often require no security at all. Collateral requirements depend on the loan size, making education financing accessible at every level.
Eligibility
Meet the following criteria to qualify for an Education Loan from Fintexis Services.
Age Criteria
Applicants must typically be 18 years or older. Most lenders require the applicant to be of legal age at the time of application
Course & Program Eligibility
Loans are tied to specific educational programs. Eligible institutions and courses are defined by the lender — from school education to postgraduate and professional degrees.
Admission Offer
Proof of admission to an eligible institution is commonly required before the loan is sanctioned.
Academic Performance
Some lenders consider academic records, including high school or previous education grades, as part of the eligibility assessment.
Credit Score
Both the student and the co-borrower or guarantor's credit history and score play a role in determining eligibility and loan terms.
Income & Financial Ability
Lenders assess repayment ability based on the income of the student or co-borrower. The requested loan amount in relation to program cost may also influence eligibility.
Collateral or Security
Larger loan amounts may require collateral such as property or other valuable assets. Smaller loans are often unsecured.
Required Documents
- Proof of identity (Aadhaar card, PAN card, passport, driving license)
- Proof of admission to the educational institution
- Academic records and mark sheets
- Other relevant documents as required by lender
Co-applicant / Guarantor
- Proof of identity (KYC documents)
- Income documents based on employment type
Ready to Finance Your Education?
Get the best education loan with higher amounts, moratorium benefits, Section 80E tax advantages, and flexible repayment options — catering to students across India and abroad.
Income Proof for Salaried Co-applicant / Guarantor
Latest salary slips (last 3 months) Bank statements for the last 6 months Income Tax Returns (ITR) for the last 2–3 years
Income Proof for Self-employed Co-applicant / Guarantor
ITR with computation for the last 3 years Bank statements for the last 6–12 months Business ownership or registration proof
Features & Benefits
Why choose a Gold Loan?
Unlock the value of your gold — with instant liquidity, competitive rates, and complete flexibility in how you use the funds.
Secured Loan
Backed by gold collateral, giving both you and the lender confidence — and unlocking better loan terms compared to unsecured borrowing.
Quick Processing
Fast approval and disbursement with minimal paperwork — get funds in hand within hours of pledging your gold at the branch.
Flexible Loan Amount
Loan amount is determined by the value of your pledged gold — the higher the purity and weight, the more funds you can access.
Instant Liquidity
Access funds quickly without selling your gold. Your asset stays safe with the lender and is returned once the loan is fully repaid.
Lower Interest Rates
The secured nature of a gold loan means lenders offer highly competitive interest rates — making it one of the most affordable borrowing options.
Versatile Use
No restrictions on how you use the loan funds — whether for medical expenses, education, business needs, or any personal requirement.
Eligibility
Meet the following criteria to qualify for a Gold Loan from Fintexis Services.
Age Criteria
Borrowers must typically be 18 years or older at the time of loan application.
Gold Ownership
You must be the rightful owner of the gold being pledged as collateral for the loan.
Gold Quality
The gold should meet the lender's purity standards — typically 18 to 24 karat gold jewellery or ornaments are accepted.
Identification
A valid government-issued photo ID is required for identity verification during the application process.
Interest Rate
Attractive rates starting from 12% per annum onwards, based on your credit and business profile.
Required Documents
- Voter ID
- Passport
- Aadhaar Card
- Driving License
- PAN Card
Address Proof (any one)
- Rent Agreement
- Bank Statement
- Voter ID Card
- Passport Driving License
EMI Calculator
Loan EMI
Total Interest Payable
Total Payment
(Principal + Interest)
FAQs
Car Loan Education and Gold Loan FAQs
What is the eligibility for a car loan?
Eligibility depends on your income, credit score, employment type, and repayment capacity. Salaried and self-employed individuals with stable income can easily qualify.
. How much car loan can I get?
You can usually get up to 80–100% of the car’s on-road price, depending on your profile and the lender’s policy.
What is the interest rate on car loans?
Interest rates vary based on your credit score, loan amount, and tenure, but they are generally lower compared to personal loans.
Can I prepay or foreclose my car loan?
Yes, most lenders allow prepayment or foreclosure, but some may charge a small fee depending on the loan terms.