How old can the vehicle be to qualify for a loan?

Typically, vehicles up to 5–7 years old are eligible, depending on the lender.

What documents are needed for a used vehicle loan?

You’ll need ID, address, income proof, and the vehicle’s RC and insurance papers.

What is the interest rate on used vehicle loans?

Interest rates are slightly higher than new vehicle loans but still competitive.

How soon can I get the loan disbursed?

Once approved, disbursal usually happens within 24–48 hours.

Is vehicle inspection mandatory?

Yes, inspection helps determine the vehicle’s value and condition.

What is the maximum loan amount I can get?

You can get up to 80% of the vehicle’s assessed value.

Can I apply if I’m self-employed?

Yes, FinJ offers used vehicle loans to both salaried and self-employed applicants.

Is there a prepayment option?

Yes, you can close your loan early with minimal prepayment charges.

Can I transfer ownership after loan approval?

Yes, ownership transfer must be completed before final disbursal.

Used or Second-Hand Vehicle Loan Online

Upgrade your ride easily with FinJ’s quick and simple Used Vehicle Loan. Get instant approval, affordable EMIs, and fast disbursal.

Check your eligibility in seconds. No credit score impact.

Trusted Partners

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Best Interest Rates

100%

Best Interest Rates

100%

Satisfaction

Hidden Charges

1,00,000+

Happy Customers

Choose Used Vehicle Loan Type

Pick your ideal used vehicle loan for cars, trucks, tractors, or bikes with FinJ. Quick approval and affordable EMIs guaranteed.

Used Car Loan

Used Commercial Vehicle Loan

Used Tractors Loan

Used Harvester Loan

Used Construction Equipment Loan

Benefits of FinJ Loan

Discover why FinJ’s Used Vehicle Loan is the trusted option for purchasing pre-owned vehicles affordably.

Quick Approval

Experience a hassle-free digital approval process within hours.

Competitive Rates

Get attractive interest rates for used and certified vehicles.

Flexible Tenure

Repay comfortably over 12 to 60 months.

Minimal Paperwork

Submit only basic documents to complete your loan process.

Trusted Lending Partners

Choose from FinJ’s network of reputable lenders offering the best deals on used vehicle financing.

4 Simple Steps to Your Used Vehicle Loan

FAST, SIMPLE & SECURE

Documentation

EASY, QUICK & SAFE Upload the required KYC and vehicle papers to ensure a smooth and simple loan process.

Inspection

FAST & RELIABLE Your pre-owned vehicle is evaluated to confirm condition and value before approval.

Approval

INSTANT & CLEAR Get real-time updates as your application is reviewed and approved without delays.

Disbursal

SECURE & SPEEDY The approved loan amount is credited directly, helping you own your vehicle faster.

How to Apply For Loan

Explore and compare top lender offers for your used vehicle loan with FinJ.

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Calculator

Estimate your EMI instantly and plan your used vehicle purchase confidently with FinJ’s calculator tool.

Loan Amount

Tenure

% Interest Rate

Monthly EMI

₹8,699

Principal Amount₹1,00,000

Total Interest Payable₹4,388

Total Amount Payable₹1,04,388

*For representation purpose only. Final values may vary subject to bank's policy.

Used Vehicle Loans with FinJ

FinJ provides loans for used cars, bikes, trucks, tractors, and other vehicles, plus personal, SME, and property loans for every need.

Secure & Simple

We ensure all customer data remains private and encrypted.

Fast Approval

Get results in minutes through our digital system.

Flexible Terms

Plans designed for your repayment convenience.

Transparent Price

No hidden fees or extra costs involved.

Frequently Asked Questions

Yes, FinJ provides loans for cars, bikes, and commercial vehicles in good condition.