Turn Your Car Into Instant Cash – Without Selling It!
Funds Up to 150% of Car Value | Quick Approvals | No Income Proof Options
Get a fresh loan on your fully-owned car and unlock funds for your urgent needs. Fast disbursals, flexible EMIs, and no need to part with your vehicle.
Car Refinance Made Easy with CarCredz
Unlock up to 150% of your car’s current value with CarCredz – at lower interest rates than typical personal or unsecured loans. Keep your car, get the cash you need, and enjoy a hassle-free borrowing experience!
Up to 150% Car’s Current Value
Lover Interest Rates Compared to Personal/Unsecured Loans
Flexible EMI Options
Fast Approvals & Minimal Paperwork
Who Should Consider a Car Refinance Loan?
A refinance loan is perfect for car owners who want to unlock funds quickly for urgent personal, business, medical, or educational needs – without opting for high-interest personal or unsecured loans.
Car owners with no active loan
Anyone in urgent need of funds
Individuals seeking lower interest rates
Those looking for smarter alternatives to personal loans
Anyone looking for better alternatives to unsecured loans
Key Features of CarCredz Car Refinance Loan
Turn your fully-owned car into a powerful financial asset—without giving it up. CarCredz makes refinancing easy, quick, and stress-free.
- Get up to 150% of your car’s current market value
- Competitive interest rates starting from just 10.50%
- Applicable for 1st, 2nd & 3rd owner vehicles
- Keep driving your car while using the funds
- No income proof? No problem—minimal paperwork required
- Perfect for both salaried professionals & self-employed individuals
Why Refinance with CarCredz?
Experience the CarCredz Advantage — Where Customer-Centric Finance Meets Industry Expertise
18+ Years of Industry Expertise
Trusted by thousands of happy car owners
Zero Hidden Charges
100% transparency in loan processing
High Loan Approval Rate
Even with low credit scores or minimal documents
End-to-End Support
From application to disbursal, we handle everything!
FAQs – Your Car Loan Queries, Answered!
We’ve answered the most common queries about getting refinancing on your car.
1. What is a refinance car loan?
It’s a fresh loan taken against a fully paid-off car, allowing you to get funds while continuing to use the vehicle.
2. Do I need to sell or transfer ownership of the car?
No. You remain the legal owner and can keep driving your car.
3. What documents are required for a refinance car loan?
Basic KYC documents, RC (registration certificate), and bank statements. Income proof is optional in many cases.
4. Can I get a refinance loan on a 2nd or 3rd owner car?
Yes, CarCredz offers refinance loans even for 2nd or 3rd ownership vehicles.
5. How much loan amount can I get?
You can receive up to 150% of your car’s current market value.
6. How long does it take to get the loan approved?
Most loans are approved within 24–48 hours of document submission.
7. Is credit score a major factor in refinance loan eligibility?
We do check your credit profile, but we also offer flexible options for applicants with lower scores.
8. What can I use the refinance funds for?
You can use the loan amount for anything—medical bills, education, business, travel, or emergencies.
9. Is car refinance the same as a top-up loan or balance transfer?
No. Refinance is different. It’s a new loan on a fully owned vehicle, not an add-on or transfer.
10. Who is eligible for a refinance loan?
Any individual who owns a car without an ongoing loan – whether salaried, self-employed, or a business owner.
Customer Testimonials
Hear from our satisfied customers about their seamless and hassle-free car financing experience with CarCredz!
I needed urgent funds for my daughter’s admission, and CarCredz helped me get a refinance loan on my existing car within just two days. No hassle, no stress!
As a small business owner, cash flow can be tight sometimes. CarCredz gave me a car refinance loan even without income proof. Lifesaver during crunch time!
I had taken a car loan in past from CarCredz, and when I needed money for a home renovation, the car refiance loan came through quickly and easily.
I was surprised how fast the refinancing loan process was. Applied on Monday, money credited by Wednesday. Super service!
I needed funds for a medical emergency, and CarCredz’s refinance loan came without the lengthy paperwork or delays. Really grateful.
The team helped me get a car refinance loan on my 2nd-owner vehicle. Other lenders had rejected me, but CarCredz made it happen. Highly recommended.
Being self-employed, getting funds quickly can be tough. CarCredz understood my needs and gave me the car refinance loan with flexible EMIs. Great experience.
I wanted to expand my small garage business and needed quick capital. CarCredz gave me a car refinance top-up loan against my old car, and it was seamless.
You are One Step Away to Bring Your Dream Car Home
See what our happy customers have to say about their smooth experience with CarCredz.