Car Refinance
Lower your EMI. Optimize your loan.
- Use caseRefinance existing car loan
- BenefitLower rate, extended tenure, top-up
- DisbursalOnce foreclosure is processed
About this product
Why clients choose Viva Capital for CR.
Car refinance lets you switch your existing car loan to a sharper rate, extend the tenure, or unlock a top-up against the vehicle’s residual value — without disturbing ownership.
What we offer
Key features
- Move existing car loan to a lower rate
- Top-up against vehicle equity
- Tenure extension to reduce monthly EMI
- Pre-owned vehicle eligible (subject to age)
Who can apply
Basic eligibility
- Existing car loan with 12+ months of clean repayment
- Vehicle within lender age criteria
- Stable income and clean banking profile
Keep ready
Documents required
- Existing sanction letter + repayment schedule
- Vehicle RC + insurance
- KYC + income proof
- Last 6 months bank statement
A working promise
“A senior advisor reads your file, picks the lender most likely to approve it, and stays with the case until disbursal — even when the first bank says no.”
Our Process
From first conversation —
to disbursal and beyond.
A guided four-step process built around clarity and speed. No opaque hand-offs, no junior routing — one senior advisor walks the case through.
- 01
Profile Review
Tell us your goal. A senior advisor reads your file end-to-end and identifies the right route.
- 02
Bank Matchmaking
We compare offers across 40+ lenders and pick the one most likely to approve your profile, at the best rate.
- 03
Documentation
We simplify the paperwork and structure it the way underwriters can underwrite — no guesswork.
- 04
Sanction & Support
Funds in your account — and continued assistance after disbursal. We stay with the case.
Trusted by Leading Banks & NBFCs
