Used Car Loan
Affordable loans without compromise.
- LTVUp to 90% of valuation
- Vehicle ageUp to 8 years
- TenureUp to 60 months
About this product
Why clients choose Viva Capital for UCL.
Used car loans for pre-owned vehicles with transparent valuation, structured documentation, and lenders that approve where dealers can't. We handle the verification end-to-end.
What we offer
Key features
- Up to 90% of independent valuation
- Lenders comfortable with pre-owned vehicles up to 8 years old
- Doorstep document collection
- Structuring for low-CIBIL or self-employed profiles
Who can apply
Basic eligibility
- Age 21 — 65
- Stable income, salaried or self-employed
- Vehicle under 8 years at end of tenure
Keep ready
Documents required
- KYC (PAN, Aadhaar)
- Income proof
- Vehicle RC + transfer set
- Independent valuation report
A working promise
“A senior advisor reads your file, picks the lender most likely to approve it, and stays with the case until disbursal — even when the first bank says no.”
Our Process
From first conversation —
to disbursal and beyond.
A guided four-step process built around clarity and speed. No opaque hand-offs, no junior routing — one senior advisor walks the case through.
- 01
Profile Review
Tell us your goal. A senior advisor reads your file end-to-end and identifies the right route.
- 02
Bank Matchmaking
We compare offers across 40+ lenders and pick the one most likely to approve your profile, at the best rate.
- 03
Documentation
We simplify the paperwork and structure it the way underwriters can underwrite — no guesswork.
- 04
Sanction & Support
Funds in your account — and continued assistance after disbursal. We stay with the case.
Trusted by Leading Banks & NBFCs
