Residential
A home, apartment or plot held in your name. Often used to consolidate costs, fund a purchase or free up working capital without selling.
- Self-owned residential property
- Title papers in order
- Co-owners on board where they apply
Finance
that moves as
fast as you do.
You could borrow up to
₹ 14.4 L
Comfortable monthly EMI₹ 30,000
₹ 5k₹ 1.5L
Indicative at ~9.2% p.a. over 60 months. See the full breakdown →
Loans that respect your time.
New and used car finance from leading banks and NBFCs, with quick eligibility checks and competitive rates. Approval and disbursement are tracked stage by stage so there are no last-minute delays at delivery.
Every department at Carecay runs its own bench — this one's a panel of eleven lenders, staffed by loan specialists who shop your file in parallel instead of one call at a time. You walk in once and leave with everything taken care of.
How it actually works.
Three things this department is built to do — and the standard they are held to.
01 · LoanNew car finance
Standard car loans for new and pre-owned cars. Rates from 8.49% p.a., tenures to 84 months, up to 100% on-road funding.
02 · LoanBalloon & lease
Lower the monthly. Pay 30–40% as a final balloon, or run a 36-month lease. Built for second cars and business books.
03 · LoanRefinance + top-up
Bring an existing loan — we re-price the rate, reset the tenure, top up against the same car. No second valuation.
Your car, put to work.
Already own a car? Unlock cash against it at attractive rates, with minimal paperwork.
No sale, no surrender
The car never leaves your hands. We assess it, arrange the loan against it, and you carry on driving exactly as before.
An EMI quoted the way it should be.
Drag the sliders. Watch the donut, the lender table and the total interest all move in step. No round-trips, no callbacks, no "we'll get back to you".
Monthly EMI
₹ 37,562
₹ 22.5 L payable · ₹ 4.5 L interest
Interest · 20%
Principal · 80%
Borrow against property.
Loan Against Property (LAP) — residential and commercial. A secured loan raised against property you already hold — residential or commercial — arranged through the same finance desk. Tell us what it's for, and we'll help you weigh whether it's the right route before you commit.
Commercial
A shop, office or unit you own or run a business from. Suited to owners who'd rather borrow against an asset than draw down cash flow.
- Self-owned commercial premises
- Clear, documented ownership
- Business papers where relevant
How much you can raise, at what rate and over how long depends on the property and your profile — no two are alike. Bring the details and the desk will work the options through with you.
Also available through Carecay: Loan Against Property (LAP) · Business Loans (BL) · Personal Loans (PL)
Move a loan you're overpaying on.
Carrying a car loan at a rate you didn't choose and don't love? We look at moving the balance to a lender that prices your profile properly — and, where it helps, a top-up on the same car. Bring your current statement; we'll compare, honestly.
Where you are
Your rateSet once, rarely revisited
Your tenureRunning on the original terms
Extra fundsLocked inside the car's value
Where we aim
Re-pricedRe-shopped across our lender panel
Reset tenureShortened or eased to suit you
Top-upAgainst the same car, no second valuation
Whether a transfer is worth it comes down to what's left to run and the gap in rate. We'll show you the maths on your own loan before you move a rupee.
Start your application.
Begin from wherever you are — no queue, no branch visit to get going. Send your details and what you're financing; the desk picks it up and carries it through four steps.
- 01Enquiry
You send the basics
Who you are and what you're financing. A few lines is enough to start — we ask for the rest only as we need it.
- 02Documents
We collect the file once
Identity, address and income proofs, gathered a single time and reused across every lender we approach for you.
- 03Approval
Lenders quote in parallel
Your file goes to several lenders at once, so you see real offers side by side. Most come back the same day.
- 04Disbursal
You pick, we release
Choose the offer that suits you, sign, and the funds are released. One desk stays with you from start to finish.
What we'll need.
Most applications run on standard identity, address and income proofs. Here's the usual list by profile — we collect it once and reuse it across lenders. Ask the desk for the exact set for your case.
Profile A
Salaried
- PAN card
- Aadhaar
- Last 3 months' salary slips
- Last 6 months' bank statements
- Address proof
Profile B
Self-employed
- PAN card
- Aadhaar
- 2 years' ITR with computation
- 6 months' bank statements
- Business proof
Profile C
Business / company
Firms, partnerships and companies vary too much for a fixed list. Tell us the entity and we'll send the exact set — usually built on the two lists alongside, plus a few registration papers.
Something out of the ordinary — a co-applicant, an NRI file, an older car? Mention it up front and we'll tell you precisely what to gather.
Loans, without the fine print games.
Short answers to the questions our finance desk hears most often. The calculator above is indicative; your exact rate is confirmed in writing before you sign.
Rates start from around 8.49% p.a. for salaried profiles with a clean CIBIL score on new cars; self-employed profiles typically land a little higher. Rates move with the lender and the month, so the desk confirms your exact figure in writing.
Most approvals come back the same day; a few lenders take one working day. We submit to multiple lenders in parallel so you see real offers side by side, not estimates.
Salaried: PAN, Aadhaar, last 3 months' salary slips, last 6 months' bank statements, address proof. Self-employed: PAN, Aadhaar, 2 years' ITR + computation, 6 months' bank statements, business proof. We collect everything once and reuse it across lenders.
Yes — up to 100% on-road on new cars for select profiles. Pre-owned typically funds up to 85% of value. Either way, we'll show you what's possible on your specific profile before any paperwork starts.
Most lenders on our panel allow part-payment and full pre-closure after a minimum number of EMIs, often without a penalty for individual borrowers. The terms differ by lender, so we confirm them in writing before you sign.
Yes. Same desk, same lenders. Rates run slightly higher than new (typically + 0.5–1%) and tenures cap at 60 months. Browse the floor and we'll quote against the specific car.
