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            • Home
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            • Used Car Loan
            • 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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            Apply Now

            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

            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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