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              • Home
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              • Used Car Loan in Patna

              Used Car Loan in Patna

              • Loan up to Rs 50 Lakh
              • Minimum Salary Required ₹15K
              • Instant Approval
              Apply Now
              • Overview
              • EMI Calculator
              • Eligibility
              • Documents Required
              • Interest Rate & Charges

              Used Car Loan EMI Calculator

              Calculate your EMI and choose the most suitable EMI for you

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              Get Used Car Finance in Patna With Quick Approval

              Patna is the capital of Bihar - the 12th largest state by area, 3rd largest by population and 15th largest by GDP. Some of the most popular attractions in Patna include Takht Sri Harmandir Sahib Ji, Nalanda, Patna Museum, Patna Planetarium, Gandhi Sangrahalaya, Khuda Baksh Oriental Library, Kumhrar's Park, and many others. When it comes to industries, some popular options include grain, sesame, sugarcane, and rice. Being the capital state of Bihar, the city also has a demand for new and pre-owned hatchbacks, sedans, and premium cars.  


              If you are a resident looking for used car finance in Patna, you can borrow up to Rs 50 Lakh from Hero FinCorp. You can get a Used Car Loan in Patna at attractive interest rates and repay it with easy EMIs spread across a tenure of up to five years. 
               

              Features And Benefits of Second Hand Car Loan in Patna

              Let’s look at the features and benefits of used car finance in Patna for private use from Hero FinCorp:
               

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              High Loan Amount

              Used Car Loan of Rs 50,000 to Rs 50 Lakh are available for all car brands.
               

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              Attractive Interest Rate

              The low Used Car Loan interest rate in Patna keeps your EMIs affordable without inflating costs.
               

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              Collateral-Free

              No collateral required for used car finance in Patna; car is hypothecated until full repayment.
               

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              Flexible Repayment Tenure

              Flexible repayment tenure of up to five years lets you choose an EMI plan with affordable instalments.
               

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              Instant Approval

              Instant approval facility makes the loan immediately available, so you don't miss any worthy car on offer.
               

              Eligibility Criteria for Second Hand Car Loan in Patna

              Although Hero FinCorp has simple eligibility conditions for second-hand car finance in Patna, check and fulfil them before applying to avoid rejection. Here are a few criteria you must fulfil:
               

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              Age

              18 to 60 years for salaried and 18 to 65 years for self-employed individuals

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              Citizenship

              Indian citizens only

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              Work Experience

              At least one year for both salaried and self-employed applicants

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              Monthly Salary

               Hero FinCorp has no specific minimum monthly requirement for Used Car Loan applicants.

              Check Your Loan Eligibility

              Documents Required for a Second Hand Car Loan in Patna

              The documentation requirements vary for salaried and self-employed applicants. Here is a list of documents required for Used Car Loan in Patna:
               

              Documents Required for Salaried Employee

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              Mandatory Documents

              Duly filled application form, Car's registration certificate

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              Identity Proof

              Aadhaar Card, Voter ID Card, Driving License, Passport, Photo ID Card issued by GOI

               

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              Address Proof

              Driving License, Voter ID Card, Aadhaar Card, Utility Bill/ Rent or Lease Agreement, A letter having Name & Address Details Issued by the National Population Register

               

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              Age Proof

              Birth Certificate, PAN Card, Driving Licence, Passport

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              Job/Business Proof

              Form 16, ITR, Appointment Letter, Salary Slip with Joining Date on it, Relieving Certificate, Experience certificate

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              Signature Verification Proof

              Banker's Verification, PAN Card, Passport

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              Income Proof

              Latest Salary Slips, Form 16, Bank Account Statement, ITR

              Documents Required for Self-Employed

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              Mandatory Documents

              Duly filled loan application form, Car's registration certificate

              identity_proof.png
              Identity Proof

              Aadhaar Card, Driving License, Voter ID Card, Passport

               

              office-address-proof.png
              Address Proof

              Driving License, Voter ID Card, Rent or Lease Agreement, Utility Bill, Aadhaar Card, A letter having Name & Address Details Issued by the National Population Register

               

              age.png
              Age Proof

              Birth Certificate, PAN Card, Driving Licence, Passport

               

              mandatory_documents.png
              Job/Business Proof

              VAT Registration, Sales Tax Registration, Excise Registration, Service Tax Registration Certificate, SSI or MSME Registration Certificate, Shop & Establishment Registration Certificate

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              Signature Verification Proof

              PAN Card, Banker's Verification, Passport

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              Income Proof

              Profit & Loss Statement, Recent ITRs, Audited Balance Sheet, Current Account Statement

              Interest Rates & Charges on Used Car Loans in Patna

              The Used Car Loan interest rate in Patna depends on your credit history, financial obligations, and overall repayment capacity. Here is an overview:
               

              Pre-Owned Car Loan Interest Rates

              Starting from 11.5% per annum

               

              Loan Amount

              Rs 50,000 (Min) – Rs 50,00,000 (Max)

              Loan Tenure

              12 Months (Min.) – 60 Months (Max)

              Loan Processing Fees

              Up to 4% of Loan Amount (Exclusive of GST)

               

              Prepayment Charges

              6% on Principal outstanding (Inclusive of GST)

               

              Other Charges

              As applicable

              Read More

              How to Apply For a Pre-Owned Car Loan in Patna?

              Applying for a second-hand car loan is simple and quick at Hero FinCorp. Follow this simple stepwise procedure to apply for a Used Car Loan in Patna:
               

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              • 1

                Visit the Hero FinCorp website and reach the Used Car Loan page.
                 

              • 2

                Calculate the EMIs using an online EMI calculator.
                 

              • 3

                Enter a few details under the “Apply for a Loan” section.
                 

              • 4

                Enter your business or company name.
                 

              • 5

                Click “Apply Now”.
                 

              • 6

                Our executive will evaluate the application.
                 

              • 7

                Once approved, you will receive the amount in your bank account.
                 

              Apply Now

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              Frequently Asked Questions

              At Hero FinCorp, you can borrow used car finance in Patna to buy a second-hand car of your choice. Here, you can borrow a loan of up to Rs 50 Lakh, depending on your requirements and repayment capacity.
              You can use a Used Car Loan to purchase a 10-year-old car in Patna. However, the physical and mechanical condition of the car is important for attracting approval.

              Borrowing a second-hand car loan in Patna offers several benefits, including the following:

              • Keep your savings intact
              • More power to buy a costlier car
              • Spread the car’s cost into easily affordable EMIs 
              • Competitive interest rate to keep the car’s cost under control
              • Minimum value depreciation after purchasing 
                 
              Although Hero FinCorp does not have a minimum CIBIL score requirement to approve used car finance in Patna, you must have a solid credit history to prove your creditworthiness. Ideally, a CIBIL score above 750 is good enough to attract loan approval at low interest rates.
              At Hero FinCorp, you can get up to a 100% Used Car Loan by maintaining a decent credit score, providing a regular income source, and reducing your financial obligations.
              The CIBIL score ranges from 300 to 900. A score above 700 is good enough to attract quick loan approval at a low interest rate.
              Brands like Maruti and Tata are preferred by most in India due to their reliability and affordability. You can choose any brand and fund its purchase with Hero FinCorp’s used car finance in Patna for private use.
              View All FAQ's
              Used Car Loan Key Pages
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