ICICI Bank vs Tata Capital vs Union Bank of India at a glance
| Detail | ICICI Bank | Tata Capital | Union Bank of India |
|---|---|---|---|
| Loan provider type | Private bank | NBFC | Public sector bank |
| Legal name | ICICI Bank | Tata Capital Ltd | Union Bank of India |
| Vehicle loans with a published rate | Car loan, Two-wheeler loan, Used car loan, Electric car loan, Tractor loan | Car loan, Two-wheeler loan, Used car loan, Commercial vehicle loan | Car loan, Two-wheeler loan, Used car loan, Electric car loan |
| Car loan: published rate | From 8.40%tenure >36 months; Q1 FY27 disbursed range 7.90% - 11.20% | From 9.49% p.a. | 7.60% - 10.00% |
| Car loan: maximum tenure | Up to 84 months | 84 months (product page); rates page calculator shows 72 months | Not published |
| Two-wheeler loan: published rate | 10.25% - 26.10% | From 12.5% p.a. | 11.10% - 11.20% |
| Two-wheeler loan: maximum tenure | Up to 36 months | 60 months | Not published |
| Used car loan: published rate | From 9.75%; Q1 FY27 disbursed range 9.75% - 16.90% | From 10.49% p.a. | 11.60% - 11.70% |
| Used car loan: maximum tenure | Up to 84 months | 72 months | Not published |
| Official website | icici.bank.in | tatacapital.com | unionbankofindia.bank.in |
ICICI Bank vs Tata Capital vs Union Bank of India car loan: rate, fees and tenure
Starting car loan rates as published: ICICI Bank from 8.40%, Tata Capital from 9.49% and Union Bank of India from 7.60%. Union Bank of India is lower at the starting rate, but the top of each range and your own credit profile decide what you are actually offered.
| Detail | ICICI Bank | Tata Capital | Union Bank of India |
|---|---|---|---|
| Product | ICICI Bank Car Loan | New Car Loan | Union Miles (Union Vehicle Loan) - new 4-wheeler |
| Published rate | From 8.40%tenure >36 months; Q1 FY27 disbursed range 7.90% - 11.20% | From 9.49% p.a. | 7.60% - 10.00% |
| Rate basis | Not published | Fixed and floating options | EBLR-linked (EBLR 8.00% = repo 5.25% + 2.75%, w.e.f. 24.07.2026); by CIBIL score |
| Maximum tenure | Up to 84 months | 84 months (product page); rates page calculator shows 72 months | Not published |
| Maximum funding | Up to 100% of on-road price | Up to 100% on-road; loan up to Rs 5 crore | Not published |
| Processing fee | Up to Rs 8,500 + GST | Up to 2.95% of loan amount | Flat ₹1,000 |
| Pre-closure / prepayment | Foreclosure: 3% (up to 12 months), 2% (13-24 months), nil after 24 months; part-prepay 3% up to 24 months, nil after | 6% of principal outstanding within 12 months; 5% after 12 months (same for part-prepayment) | No foreclosure/prepayment penalty on floating-rate individual loans |
| Other terms published |
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| Official source | icici.bank.in icici.bank.in | tatacapital.com tatacapital.com | unionbankofindia.bank.in unionbankofindia.bank.in unionbankofindia.bank.in |
EMI illustration: ₹10 lakh over 60 months
| Loan provider | Rate used | Monthly EMI | Total interest | Total repayable |
|---|---|---|---|---|
| ICICI Bank | 8.40% | ₹20,468 | ₹2,28,102 | ₹12,28,102 |
| Tata Capital | 9.49% | ₹20,997 | ₹2,59,818 | ₹12,59,818 |
| Union Bank of India | 7.60% | ₹20,086 | ₹2,05,130 | ₹12,05,130 |
Illustration only, at each loan provider's lowest published rate. It leaves out processing fees, GST, insurance and any other charges, and it is not an offer. Your approved rate may be higher.
Monthly EMI at other loan amounts (60 months)
| Loan amount | ICICI Bank (8.40%) | Tata Capital (9.49%) | Union Bank of India (7.60%) |
|---|---|---|---|
| ₹5 lakh | ₹10,234 | ₹10,498 | ₹10,043 |
| ₹10 lakh | ₹20,468 | ₹20,997 | ₹20,086 |
| ₹15 lakh | ₹30,703 | ₹31,495 | ₹30,128 |
| ₹20 lakh | ₹40,937 | ₹41,994 | ₹40,171 |
Read the full guide: Car loan · EMI calculator
ICICI Bank vs Tata Capital vs Union Bank of India two-wheeler loan: rate, fees and tenure
Starting two-wheeler loan rates as published: ICICI Bank from 10.25%, Tata Capital from 12.50% and Union Bank of India from 11.10%. ICICI Bank is lower at the starting rate, but the top of each range and your own credit profile decide what you are actually offered. Tata Capital lists the longer maximum tenure (60 months).
| Detail | ICICI Bank | Tata Capital | Union Bank of India |
|---|---|---|---|
| Product | ICICI Bank Two-Wheeler Loan | Two-Wheeler Loan | Union Miles - new 2-wheeler |
| Published rate | 10.25% - 26.10% | From 12.5% p.a. | 11.10% - 11.20% |
| Rate basis | Fixed | Fixed | EBLR-linked (EBLR 8.00%); by CIBIL score |
| Maximum tenure | Up to 36 months | 60 months | Not published |
| Maximum funding | Up to 100% of on-road price | Up to 100% for loans up to Rs 2.85 lakh; up to Rs 15 lakh for premium/superbikes | Not published |
| Processing fee | Up to 4% of loan amount | Up to 4% + taxes | Flat ₹500 |
| Pre-closure / prepayment | 4% of principal outstanding (nil for eligible micro/small segment) | Foreclosure 5% of principal outstanding; part-prepayment 5% of amount | No foreclosure/prepayment penalty on floating-rate individual loans |
| Other terms published |
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|
| Official source | icici.bank.in icici.bank.in | tatacapital.com | unionbankofindia.bank.in unionbankofindia.bank.in unionbankofindia.bank.in |
EMI illustration: ₹1 lakh over 36 months
| Loan provider | Rate used | Monthly EMI | Total interest | Total repayable |
|---|---|---|---|---|
| ICICI Bank | 10.25% | ₹3,238 | ₹16,585 | ₹1,16,585 |
| Tata Capital | 12.50% | ₹3,345 | ₹20,433 | ₹1,20,433 |
| Union Bank of India | 11.10% | ₹3,279 | ₹18,030 | ₹1,18,030 |
Illustration only, at each loan provider's lowest published rate. It leaves out processing fees, GST, insurance and any other charges, and it is not an offer. Your approved rate may be higher.
Monthly EMI at other loan amounts (36 months)
| Loan amount | ICICI Bank (10.25%) | Tata Capital (12.50%) | Union Bank of India (11.10%) |
|---|---|---|---|
| ₹0.5 lakh | ₹1,619 | ₹1,673 | ₹1,639 |
| ₹1 lakh | ₹3,238 | ₹3,345 | ₹3,279 |
| ₹1.5 lakh | ₹4,858 | ₹5,018 | ₹4,918 |
Read the full guide: Two-wheeler loan · EMI calculator
ICICI Bank vs Tata Capital vs Union Bank of India used car loan: rate, fees and tenure
Starting used car loan rates as published: ICICI Bank from 9.75%, Tata Capital from 10.49% and Union Bank of India from 11.60%. ICICI Bank is lower at the starting rate, but the top of each range and your own credit profile decide what you are actually offered. ICICI Bank lists the longer maximum tenure (up to 84 months).
| Detail | ICICI Bank | Tata Capital | Union Bank of India |
|---|---|---|---|
| Product | ICICI Bank Used Car Loan | Used Car Loan | Union Miles - old 4-wheeler |
| Published rate | From 9.75%; Q1 FY27 disbursed range 9.75% - 16.90% | From 10.49% p.a. | 11.60% - 11.70% |
| Rate basis | Not published | Reducing balance; fixed EMI | EBLR-linked (EBLR 8.00%); by CIBIL score |
| Maximum tenure | Up to 84 months | 72 months | Not published |
| Maximum funding | Up to 100% (as published) | Up to 95% of car value (100% on select cars); loan up to Rs 50 lakh | Not published |
| Processing fee | 2% of loan, max Rs 20,000 + GST | Up to 2.95% of loan amount | Flat ₹1,000 |
| Pre-closure / prepayment | Same schedule as new car loan (per service-charges page) | 6% of principal outstanding within 12 months; 5% after 12 months (same for part-prepayment) | No foreclosure/prepayment penalty on floating-rate individual loans |
| Other terms published |
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| Official source | icici.bank.in icici.bank.in | tatacapital.com tatacapital.com | unionbankofindia.bank.in unionbankofindia.bank.in unionbankofindia.bank.in |
EMI illustration: ₹5 lakh over 48 months
| Loan provider | Rate used | Monthly EMI | Total interest | Total repayable |
|---|---|---|---|---|
| ICICI Bank | 9.75% | ₹12,621 | ₹1,05,825 | ₹6,05,825 |
| Tata Capital | 10.49% | ₹12,799 | ₹1,14,365 | ₹6,14,365 |
| Union Bank of India | 11.60% | ₹13,069 | ₹1,27,309 | ₹6,27,309 |
Illustration only, at each loan provider's lowest published rate. It leaves out processing fees, GST, insurance and any other charges, and it is not an offer. Your approved rate may be higher.
Monthly EMI at other loan amounts (48 months)
| Loan amount | ICICI Bank (9.75%) | Tata Capital (10.49%) | Union Bank of India (11.60%) |
|---|---|---|---|
| ₹3 lakh | ₹7,573 | ₹7,680 | ₹7,841 |
| ₹5 lakh | ₹12,621 | ₹12,799 | ₹13,069 |
| ₹8 lakh | ₹20,194 | ₹20,479 | ₹20,910 |
Read the full guide: Used car loan · EMI calculator
ICICI Bank vs Tata Capital vs Union Bank of India electric car loan: rate, fees and tenure
Starting electric car loan rates as published: ICICI Bank from 9.10% and Union Bank of India from 7.50%. Union Bank of India is lower at the starting rate, but the top of each range and your own credit profile decide what you are actually offered. Tata Capital does not publish an electric car loan rate on its website, so none is shown.
| Detail | ICICI Bank | Tata Capital | Union Bank of India |
|---|---|---|---|
| Product | ICICI Bank EV Car Loan | Not published | Union Green Miles - new 4-wheeler |
| Published rate | From 9.10% | Not published | 7.50% - 9.90% |
| Rate basis | Not published | Not published | EBLR-linked (EBLR 8.00%); by CIBIL score |
| Maximum funding | Up to 100% of on-road price | Not published | Not published |
| Other terms published | Not published | Not published |
|
| Official source | icici.bank.in | Not published | unionbankofindia.bank.in unionbankofindia.bank.in |
EMI illustration: ₹15 lakh over 60 months
| Loan provider | Rate used | Monthly EMI | Total interest | Total repayable |
|---|---|---|---|---|
| ICICI Bank | 9.10% | ₹31,210 | ₹3,72,623 | ₹18,72,623 |
| Union Bank of India | 7.50% | ₹30,057 | ₹3,03,415 | ₹18,03,415 |
Illustration only, at each loan provider's lowest published rate. It leaves out processing fees, GST, insurance and any other charges, and it is not an offer. Your approved rate may be higher.
Monthly EMI at other loan amounts (60 months)
| Loan amount | ICICI Bank (9.10%) | Union Bank of India (7.50%) |
|---|---|---|
| ₹10 lakh | ₹20,807 | ₹20,038 |
| ₹15 lakh | ₹31,210 | ₹30,057 |
| ₹25 lakh | ₹52,017 | ₹50,095 |
Read the full guide: Electric car loan
ICICI Bank vs Tata Capital vs Union Bank of India tractor loan: rate, fees and tenure
Only ICICI Bank publishes a rate for this product with a stated starting figure, so a like-for-like ranking is not possible. Tata Capital and Union Bank of India do not publish a tractor loan rate on their website, so none is shown.
| Detail | ICICI Bank | Tata Capital | Union Bank of India |
|---|---|---|---|
| Product | ICICI Bank Tractor Loan | Not published | Farm Mechanization Scheme |
| Published rate | 12.00% - 21.00%Oct-Dec 2025 disbursed range | Not published | Not published |
| Maximum tenure | 12 - 72 months | Not published | Not published |
| Maximum funding | Not published | Not published | 85% of unit cost (15% margin) |
| Processing fee | Up to 2% of loan + GST | Not published | Not published |
| Pre-closure / prepayment | 4% of prepaid amount | Not published | Not published |
| Other terms published |
| Not published |
|
| Official source | icici.bank.in icici.bank.in | Not published | unionbankofindia.bank.in |
Read the full guide: Tractor loan
ICICI Bank vs Tata Capital vs Union Bank of India commercial vehicle loan: rate, fees and tenure
Only Tata Capital publishes a rate for this product with a stated starting figure, so a like-for-like ranking is not possible. Tata Capital lists the longer maximum tenure (imhcv up to 72 months; slcv and buses up to 60 months). ICICI Bank and Union Bank of India do not publish a commercial vehicle loan rate on their website, so none is shown.
| Detail | ICICI Bank | Tata Capital | Union Bank of India |
|---|---|---|---|
| Product | ICICI Bank Commercial Vehicle Loan | Commercial Vehicle Loan (new and used) | Union Parivahan |
| Published rate | Not published | From 12% p.a.page meta description | Not published |
| Rate basis | Flat rate scheme | Not published | Not published |
| Maximum tenure | 12 - 60 months | IMHCV up to 72 months; SLCV and buses up to 60 months | Not published |
| Maximum funding | Up to 100% of chassis value; body funding on request | IMHCV up to 100% of ex-showroom; SLCV up to 94% of on-road; buses up to 100% of on-road | Not published |
| Processing fee | Not published | As per sanction letter | Not published |
| Pre-closure / prepayment | Allowed; charges per service charge schedule | 4% of outstanding or Rs 5,000, whichever higher (excl. GST), with 30 days notice | Not published |
| Other terms published |
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| Official source | icici.bank.in | tatacapital.com tatacapital.com | unionbankofindia.bank.in |
Read the full guide: Commercial vehicle loan
Which is better: ICICI Bank, Tata Capital or Union Bank of India?
No loan provider is best for everyone. This is how the published figures split, product by product.
- Car loan, lower starting rate: Union Bank of India (7.60%) versus 8.40% at ICICI Bank and 9.49% at Tata Capital.
- Two-wheeler loan, lower starting rate: ICICI Bank (10.25%) versus 12.50% at Tata Capital and 11.10% at Union Bank of India.
- Used car loan, lower starting rate: ICICI Bank (9.75%) versus 10.49% at Tata Capital and 11.60% at Union Bank of India.
- Two-wheeler loan, longer maximum tenure: Tata Capital (60 months). A longer tenure lowers the EMI but raises total interest.
- Used car loan, longer maximum tenure: ICICI Bank (up to 84 months). A longer tenure lowers the EMI but raises total interest.
- Commercial vehicle loan, longer maximum tenure: Tata Capital (imhcv up to 72 months; slcv and buses up to 60 months). A longer tenure lowers the EMI but raises total interest.
Pick on total cost, not the headline rate: ask each loan provider for the Key Fact Statement and compare the APR and total repayable amount. A low rate with a high processing fee can cost more than a slightly higher rate with no fee.
Bank type and how each loan provider sets its rate
ICICI Bank is a private bank, Tata Capital is a nbfc and Union Bank of India is a public sector bank.
What the loan providers' own pages say about how their rates are set:
- ICICI Bank two-wheeler loan: Fixed.
- ICICI Bank commercial vehicle loan: Flat rate scheme.
- Tata Capital car loan: Fixed and floating options.
- Tata Capital two-wheeler loan: Fixed.
- Tata Capital used car loan: Reducing balance; fixed EMI.
- Union Bank of India car loan: EBLR-linked (EBLR 8.00% = repo 5.25% + 2.75%, w.e.f. 24.07.2026); by CIBIL score.
- Union Bank of India two-wheeler loan: EBLR-linked (EBLR 8.00%); by CIBIL score.
- Union Bank of India used car loan: EBLR-linked (EBLR 8.00%); by CIBIL score.
Banks and non-banking finance companies (NBFCs) publish rates in different ways: some give a range, some only a starting rate and some only a maximum. That is why this page compares like with like and marks every gap as not published instead of guessing.
About ICICI Bank, Tata Capital and Union Bank of India
ICICI Bank
Private bank
Large private-sector loan provider with a digital-first car loan process, covering new, used and EV cars, two-wheelers, commercial vehicles and tractors.
Lowest published starting rate: 8.40% (Car loan)
Tata Capital
NBFC · Tata Capital Ltd
Tata Group's diversified NBFC; absorbed Tata Motors Finance (CV/PV financier for Tata Motors) in May 2025
Lowest published starting rate: 9.49% (Car loan)
Union Bank of India
Public sector bank
PSU loan provider whose Union Miles scheme covers new cars, cars up to 3 years old and new two-wheelers, priced off its repo-linked EBLR by CIBIL score, with a cheaper Green Miles variant for EVs.
Lowest published starting rate: 7.50% (Electric car loan)
What to check before you choose a vehicle loan
- Ask for the Key Fact Statement (KFS). RBI requires loan providers to give you one before you sign, showing the interest rate, all fees, the APR and the total amount you will repay.
- Compare APR, not the headline rate. Processing fee, documentation charges and insurance change the real cost.
- Ask about pre-closure charges. Fixed-rate vehicle loans often carry charges for paying early; floating-rate loans to individuals cannot.
- Check what is bundled. Insurance, extended warranty or accessories added to the loan raise the amount you pay interest on. You are free to buy insurance elsewhere.
- Confirm the hypothecation. The loan provider's name is noted on the registration certificate. After the last EMI, collect the NOC and have it removed at the RTO.
Terms used on this page
Plain meanings of the terms this comparison uses.
Starting rate: The lowest rate a loan provider advertises for a product. Most borrowers are offered a higher rate, because the final rate depends on credit score, income, employer and loan amount.
APR: Annual percentage rate. It adds the processing fee and other charges to the interest rate, so it shows the yearly cost of the loan better than the interest rate alone.
Key Fact Statement: A short summary the loan provider gives you before you sign. It lists the interest rate, every fee, the APR and the total amount you will repay. RBI requires it for retail loans.
Floating rate and repo rate: A floating rate moves with a benchmark, and for banks that is usually the RBI repo rate, the rate at which RBI lends to banks. A fixed rate stays the same for the period you agree.
Processing fee: A one-time charge for handling the application. It is usually a percentage of the loan amount plus GST, and it is often deducted before the money reaches you.
Credit score: A number from 300 to 900 that shows how you have repaid past loans and cards. A higher score usually gets you a lower rate.
Sources, method and last check
Every figure above comes from the loan provider's own website. We checked them on 4 October 2026 and list the pages used.
- ICICI Bank: icici.bank.in/personal-banking/loans/car-loan · icici.bank.in/personal-banking/loans/car-loan/service-charges · icici.bank.in/personal-banking/loans/two-wheeler-loan · icici.bank.in/personal-banking/loans/two-wheeler-loan/interest-rate · icici.bank.in/personal-banking/loans/car-loan/pre-owned-car-loans · icici.bank.in/personal-banking/loans/car-loan/ev-car-loan
- Tata Capital: tatacapital.com/vehicle-loan/car-loan.html · tatacapital.com/vehicle-loan/car-loan/interest-rates.html · tatacapital.com/vehicle-loan/two-wheeler-loan/rates-and-charges.html · tatacapital.com/vehicle-loan/used-car-loan/rates-and-charges.html · tatacapital.com/vehicle-loan/used-car-loan/interest-rates-and-charges.html · tatacapital.com/vehicle-loan/electric-two-wheeler-loan.html
- Union Bank of India: unionbankofindia.bank.in/pdf/retail_roi.pdf · unionbankofindia.bank.in/en/details/union-vehicle · unionbankofindia.bank.in/pdf/Service Charges-Domestic Rupee Advances-Corp Website.pdf · unionbankofindia.bank.in/en/Details/farm-mechanization-scheme · unionbankofindia.bank.in/en/details/union-parivahan
Method: we list only figures we could find on the loan provider's official pages. A blank means the loan provider does not publish that figure, and we never estimate one. Rankings use the published starting rate and published maximum tenure only. Read our editorial policy, how we make money and tell us about an error.
More loan provider comparisons
ICICI Bank compared with other loan providers
Tata Capital compared with other loan providers
Union Bank of India compared with other loan providers
Head-to-head pages for these three loan providers
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ICICI Bank vs Tata Capital vs Union Bank of India: personal, home and other loans
Comparing these loan providers for something other than a vehicle loan? See their published personal loan, home loan, loan against property, business, gold and education loan terms in one place.
ICICI Bank vs Tata Capital vs Union Bank of India compared on all loan types
Frequently asked questions
Which is better for a car loan: ICICI Bank, Tata Capital or Union Bank of India?
For a car loan, Union Bank of India advertises the lowest starting rate here (7.60%), versus 8.40% at ICICI Bank and 9.49% at Tata Capital. A starting rate is the best case, not a typical offer, so confirm the annual percentage rate (APR) and total repayable amount in each loan provider's Key Fact Statement. Figures are as published on the loan providers' own websites and checked 4 October 2026. The better choice depends on your profile, the loan amount and the fees in your offer letter.
Which has the lower car loan interest rate: ICICI Bank, Tata Capital or Union Bank of India?
Union Bank of India has the lower published starting rate. Published starting rates: ICICI Bank 8.40%, Tata Capital 9.49% and Union Bank of India 7.60% (checked 4 October 2026). Your actual rate depends on your credit profile and the loan provider's approval.
What is the processing fee on a car loan at ICICI Bank, Tata Capital and Union Bank of India?
ICICI Bank: Up to Rs 8,500 + GST. Tata Capital: Up to 2.95% of loan amount. Union Bank of India: Flat ₹1,000. Fees can change and GST is usually extra, so check the Key Fact Statement.
What is the maximum car loan tenure at ICICI Bank, Tata Capital and Union Bank of India?
ICICI Bank: up to 84 months. Tata Capital: 84 months (product page); rates page calculator shows 72 months. Union Bank of India: not published.
What is the EMI on a ₹10 lakh car loan at ICICI Bank, Tata Capital and Union Bank of India?
Over 60 months at each loan provider's lowest published rate: ICICI Bank about ₹20,468 a month at 8.40%; Tata Capital about ₹20,997 a month at 9.49%; Union Bank of India about ₹20,086 a month at 7.60%. This is an illustration that leaves out fees, GST and insurance. Your offered rate may be higher.
How much of the vehicle price can I borrow on a car loan from ICICI Bank, Tata Capital and Union Bank of India?
ICICI Bank: Up to 100% of on-road price. Tata Capital: Up to 100% on-road; loan up to Rs 5 crore. Union Bank of India: not published. Funding is usually profile-based, so the loan provider decides the final amount.
What other terms do ICICI Bank, Tata Capital and Union Bank of India publish for a car loan?
ICICI Bank: Digital application; Rate depends on CIBIL score, income and car model. Tata Capital: Documentation charge up to Rs 1,999. Union Bank of India: No ceiling on loan amount; Minimum CIBIL 700 indicated; Sanction in about 2 business days. Check each loan provider's page for eligibility and documents before you apply.
Can I prepay or foreclose a car loan early at ICICI Bank, Tata Capital and Union Bank of India?
ICICI Bank: Foreclosure: 3% (up to 12 months), 2% (13-24 months), nil after 24 months; part-prepay 3% up to 24 months, nil after. Tata Capital: 6% of principal outstanding within 12 months; 5% after 12 months (same for part-prepayment). Union Bank of India: No foreclosure/prepayment penalty on floating-rate individual loans. Floating-rate loans to individuals cannot carry pre-closure charges; fixed-rate loans often do.
Which vehicle loans do ICICI Bank, Tata Capital and Union Bank of India publish rates for?
ICICI Bank: car loan, two-wheeler loan, used car loan, electric car loan, tractor loan. Tata Capital: car loan, two-wheeler loan, used car loan, commercial vehicle loan. Union Bank of India: car loan, two-wheeler loan, used car loan, electric car loan. Based on each loan provider's own website, checked 4 October 2026.
Are the rates on this page the rate I will get?
No. They are the rates the loan providers publish, usually a range or a starting rate. Your approved rate depends on your credit score, income, loan amount, tenure and vehicle. Always read the Key Fact Statement before you sign.
Does KhatuLoans lend money or charge for this comparison?
KhatuLoans is not a loan provider. The loan provider decides approval, rate and terms. Our comparisons are free to read, and we are not paid by the loan providers named here to rank them. See how we make money on our advertiser disclosure page.
KhatuLoans is not a loan provider and is not paid by the loan providers named here to rank them. Rates, fees and prices change; always confirm with the loan provider and dealer. Read our editorial policy and how we make money.