New & used cars
Car Loanthe lender chosen for the car, and for you.
For a new car from a dealer or a used car from its owner — salaried or self-employed. The lender is chosen for the car's age and your profile, not the other way round.
Shubhdhanam is a loan distribution firm (DSA).
Who it suits
Made for moments like these.
New car
From an authorised dealer, on the dealer's quotation.
Used car
From an owner or a used-car dealer, after the lender's valuation.
Refinance your car
Funds against a car you already own, where the lender allows it.
A car for your business
A vehicle for work, in the business or owner's name.
What lenders look at
Four things decide your file.
We check all four before your file goes anywhere — so it reaches a lender whose policy fits.
- 01
Income & its stability
Your salary or business income, and how steadily it reaches your bank account.
- 02
Running EMIs
How much of your income already goes to EMIs. The lower it is, the more room a lender sees.
- 03
Credit report
Your repayment history and how many loans you have applied for recently.
- 04
The car
Its age, model and value — a used car is checked by the lender's valuer.
How we work
From first call to disbursal.
- 1
Tell us your need
Share the loan you need, your income type and your city. Ten minutes on a call or WhatsApp is enough to begin.
- 2
We match lenders
We read your profile against the credit policies of banks and NBFCs and shortlist only the ones likely to say yes.
- 3
A complete file
We collect documents once, check them, and present the file the way a credit manager wants to read it.
- 4
Sanction and disbursal
The lender sanctions, you sign, funds reach your account. You get updates at every step, and we stay after the loan too.
Documents
Your papers, in one list.
Documents lenders usually ask for. The final list depends on the lender's policy.
- PAN card
- Aadhaar card
- Recent passport-size photo
- Current address proof
- Recent salary slips
- Salary-account bank statements
- Form 16 or ITR, if the lender asks
- Business proof — GST, Udyam or shop licence
- ITR with computation of income, balance sheet and P&L
- Business bank statements
- Office or shop address proof
Extra papers for a car loan
- New car — dealer quotation (pro-forma invoice)
- Used car — RC, valid insurance and valuation report
- Used car — seller's KYC, if the lender asks
Shubh Tools · Shubh Loan Kundli
Not sure yet? Start with a free tool.
Six quick taps give you an eligibility estimate, your EMI load and what to fix first — before any lender sees your file.
Questions
Straight answers.
Can I get a loan for a used car?
Yes. The lender checks the car's age, its papers and its value. Each lender has its own limit on how old the car can be — we check this first.
Whose name is the RC in?
The RC is in the buyer's name, with the lender's hypothecation recorded on it until the loan is repaid. After closure, collect the NOC and get the hypothecation removed at the RTO.
How much can I get, and at what rate?
It depends on each lender's policy — your income, existing EMIs, credit report, and the car's model, age and value. On the first call we tell you which lenders your profile fits; the final amount and rate are stated in the lender's sanction letter.
Does talking to you affect my CIBIL score?
No. A conversation with us doesn't pull your credit report. A lender checks your report only when you formally apply, with your consent — which is why we shortlist the right lender first.
Will you ask me for money, an OTP or a password?
Never an advance fee, never an OTP, never a password. If anyone asks for these in Shubhdhanam's name, it isn't us — please call us on +91 91721 34844 / +91 22 4515 3011. Any lender charges are stated in the sanction letter.
Request a call back
Tell us a little. We call you back.
Fraud warning
Shubhdhanam never asks for an advance fee, OTP or password. Our team calls only from the numbers on this page. Never pay anyone in cash or into a personal account in our name.
Shubhdhanam is a loan distribution firm (DSA).
Ready when you are.
One call or one WhatsApp message. One person handles your file from the first call to disbursal.
Office landline: +91 22 4515 3011
Other loans
Loans are sanctioned and disbursed by banks and NBFCs at their sole discretion. Amount, rate and tenure depend on each lender's policy and are stated in the sanction letter.