Unlock Extra Funds with a Top-Up Loan on Your Existing Car!
Get up to 200% of your Existing Car Value
Use the value of your financed vehicle to get additional funds – quickly, easily, and at attractive interest rates.
Instant Approval | Low Interest Rates | No New Documentation Required
Top-Up Loans Designed to Fit Your Unique Needs
Whether you’re repaying an existing car loan or just need quick access to funds, CarCredz Top-Up Loans are designed to fit your unique needs and situations.
First-Time Borrowers & Existing Loan Holders
Loan Available for 1st, 2nd & 3rd Owner Vehicles
Income Proof Optional in Select Cases
Self-Employed, Salaried & Business Owners Eligible
Why Choose a Top-Up Loan?
Top-up loans are a smart way to meet your financial needs without the hassle of new paperwork or fresh credit checks.
Get up to 200% Loan on Existing Car Value
Lower Interest Rates than Personal Loans
No Need to Mortgage or Sell Your Car
Funds for Education, Emergency, Business, or Personal Use
Minimal Documentation & Quick Approval
Why Choose CarCredz for Your Top-Up Loan?
With 18+ years of experience and thousands of satisfied customers, CarCredz is your trusted partner in car financing.
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!
CarCredz is your trusted partner in hassle-free car financing. Explore our FAQs to get clear, reliable answers to all your loan-related queries.
1. What is a top-up loan on a car loan?
A top-up loan is an additional loan you can take over your existing car loan. It allows you to borrow extra funds without needing to close your current loan or apply for a new one.
2. Who is eligible for a top-up car loan?
If you have an ongoing car loan with a good repayment track record, you may be eligible. Top-up loans are also available for 1st, 2nd, and 3rd owner vehicles through CarCredz.
3. How much top-up amount can I avail?
You can get up to 200% of your vehicle’s market value, depending on your eligibility and the condition of your car.
4. Can I apply for a top-up loan if I bought the car from a private seller or broker?
Yes! Whether you bought your car from a dealer, private seller, or broker, you can still qualify for a top-up loan.
5. Is income proof mandatory to apply for a top-up loan?
Not always. CarCredz offers top-up loan options even without income proof in select cases, especially for self-employed individuals or small business owners.
6. What documents are required for a top-up car loan?
Basic KYC (ID & address proof), RC book, insurance papers, and existing loan documents are typically needed. Our team helps simplify the documentation process for you.
7. How soon can I get the funds after applying?
Once approved, the top-up loan is disbursed within 24–48 hours. Our team ensures a fast and hassle-free process.
8. Can I use the loan amount for any personal or business need?
Absolutely. Top-up loans are multi-purpose—use them for medical emergencies, education, business, travel, or even home renovation.
9. Will my monthly EMI change after taking a top-up loan?
Your EMI may increase based on the additional loan amount and tenure chosen. We provide flexible EMI options to keep your repayments comfortable.
10. Does applying for a top-up loan affect my credit score?
No, checking your loan eligibility or applying through CarCredz will not affect your credit score. We do a soft check without impacting your credit report.
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 top-up 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 top-up loan even without income proof. Lifesaver during crunch time!
I had already taken a used car loan from CarCredz, and when I needed money for a home renovation, the top-up loan came through quickly and easily.
I was surprised how fast the top-up loan process was. Applied on Monday, money credited by Wednesday. Super service!
I needed funds for a medical emergency, and CarCredz’s top-up loan came without the lengthy paperwork or delays. Really grateful.
The team helped me get a top-up 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 top-up loan with flexible EMIs. Great experience.
I wanted to expand my small garage business and needed quick capital. CarCredz gave me a 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.