Drive Your Dream Car

Get Behind the Wheel with Prime Capital Car Loans

Get car loans up to 90% of vehicle value with interest rates starting from 7.5% p.a. Quick approval, flexible tenure, and competitive rates for both new and used cars.

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Car Loan

Why choose hth car loans?

Our featured services make your car buying experience smoother and more economical.

Low Entry Barrier

New car annual interest rates as low as 7.5%, giving you real savings.

Quick Registration

24-48 hour fast approval, funds disbursed within 72 hours.

High Loan Limits

New cars can be financed up to 90% of the car price, used cars up to 80%.

Insurance linkage discounts

Enjoy comprehensive protection with car loans for worry-free travel.

Free First Year Insurance

Get comprehensive car insurance free for the first year on select car models. Loan protection insurance available at nominal cost.

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Car Loan EMI Calculator

Calculate your monthly installments in seconds

10,000 50,000 200,000
0 10,000 100,000
Minimum 10% for new cars, 20% for used cars

Your Loan Breakdown

Monthly EMI

$0
For selected tenure
Loan Amount $0
Down Payment $0
Total Interest $0
Processing Fee $0
Total Cost $0

*Processing fee: 0.5% of loan amount (max $500). Insurance free for first year on select models.

Car loan product types

Tailored for you to find the most suitable vehicle financing solution.

Annual Rate from 7.5%

New car loans

Easily own your car with the best interest rates and highest loan amounts.

  • Up to 90% Financing
  • Loan Terms: 1-7 Years
  • First Year Insurance Free
Annual Rate from 9.5%

Used car loans

Flexible used car financing solutions, fast approval, to help you get on the road immediately.

  • Up to 80% Financing
  • Car Age: Max 5 Years
  • Ownership Transfer Assistance
Annual Rate from 8.0%

New energy vehicle loans

Financial solutions designed for electric vehicles, enjoy extra subsidies and benefits.

  • Extra 0.5% Discount
  • Extended Repayment Periods
  • Charging Station Installation Support
Annual Rate from 8.5%

Commercial vehicle loans

Taxis, vans, trucks, and other commercial vehicles, we can provide support.

  • Higher Loan Amounts
  • Business Income Considered
  • Fast Processing
Annual Rate from 7.8%

Car loan balance transfer

Transfer your existing car loan to our company and enjoy lower interest rates and better terms.

  • Favorable Rates
  • No Prepayment Penalties
  • Adjustable Limits
Annual Rate from 10.5%

Luxury car exclusive loans

Financial services specially created for high-end and luxury brand models.

  • High-Value Vehicles
  • Flexible Documentation
  • Expedited Processing

Car brands we support

Covering all mainstream car brands on the market, there is always one for you.

Toyota
Honda
Hyundai
Ford
Chevrolet
BMW
Mercedes-Benz
Audi
Volkswagen
Nissan
Kia
Tesla

What fees are included in car loans?

Comprehensive protection for your car purchase expenses, no worries.

Vehicle bare car price

Up to the ex-factory price of the vehicle can be financed.

Purchase tax and license plate fees

Includes purchase tax, license plate fees, and other statutory registration fees.

Full vehicle insurance

First year comprehensive insurance (free for some models).

Personalized accessories

Optional accessories, extended warranty, and maintenance packages.

ETC and fuel costs

ETC top-up and initial fuel costs (limited amount).

Charging pile installation

New energy vehicles: home charging pile installation costs (up to 1000 yuan).

Car loan application eligibility

Minimum Age

18 years old

Maximum Age

60 years old*

*At loan maturity
Minimum Income

Annual interest rates as low as 7.5%

Employment Status

Flexible repayment periods

Stable employment required
Down payment ratio requirements:
  • New Car Down Payment: Min 10%
  • Used Car Down Payment: Min 20%
  • EV Down Payment: Min 15%

Self-employed individuals need to provide proof of stable operation for more than two years and income statements.

Required Documents

  • PAN Card & Aadhaar Card
  • Passport (for NRI applicants)
  • Voter ID/Driving License
  • Utility Bill (last 3 months) for address proof

  • Salary slips (last 3 months)
  • Form 16/Income Tax Returns (last 2 years)
  • Bank statements (last 6 months)
  • Employment certificate/Appointment letter

  • Car Quotation/Proforma Invoice
  • RC Copy (for used cars)
  • Insurance Papers
  • Road Tax Receipt (for used cars)

Car loan interest rate details

Provide attractive interest rates for different car models and applicants.

Vehicle Type Salaried Employees Freelancers Female Users* Electric Vehicles
New Cars (Up to $50,000) Annual rates from 7.5%, own your car easily Flexible annual rates 8.0%-9.0%, worry-free car buying Annual rates 7.3% - 8.3% Annual rates 7.0% - 8.0%
New Cars ($50,000 - $100,000) Premium annual rates 8.0%-9.0%, safeguarding your vehicle Annual rates 8.5%-9.5%, catering to different budgets Annual rates 7.8% - 8.8% Select annual rates 7.5%-8.5%, meeting your car needs
Used Cars (Within 3 Years) Annual rates 9.5% - 10.5% Annual rates 10.0% - 11.0% Annual rates 9.3% - 10.3% Annual rates 9.0%-10.0%, more attractive financing options
Used Cars (3-5 Years) Annual rates 10.5% - 12.0% Annual rates 11.0% - 12.5% Annual rates 10.3% - 11.8% Annual rates 10.0% - 11.5%
Luxury Cars ($100,000+) Annual rates 8.5%-9.5%, helping you achieve your car dreams Annual rates 9.0%-10.0%, making the buying process smoother Annual rates 8.3% - 9.3% Exclusive annual rates 8.0%-9.0%, starting your new driving chapter

Additional 0.2% interest rate discount for female applicants. An additional 0.5% discount for purchasing electric vehicles. Specific interest rates may vary based on credit score, car model, and other factors.

Apply for Car Loan

Get pre-approved for your dream car in minutes

Personal Details
Car Details
Financial Details

Our car loan specialist will contact you within 24 hours with a pre-approval decision

Car Loan FAQs

Common questions about car financing

For complete applications with all documents, we typically approve car loans within 24-48 hours. Pre-approval can be obtained within 4 hours. Once approved, disbursement happens within 24 hours after completing documentation and signing the agreement.

The maximum car loan tenure is 7 years (84 months) for new cars and 5 years (60 months) for used cars. However, the actual tenure depends on factors like car age, applicant's age, and income. Electric vehicles may qualify for longer tenure up to 8 years to encourage eco-friendly transportation.

No, car loans are typically secured against the car itself. The car serves as collateral, so no additional collateral is required. We take hypothecation of the car until the loan is fully repaid. After repayment, we issue a No Objection Certificate (NOC) to remove the hypothecation.

Yes, there are tax benefits available. If the car is used for business purposes, the interest paid on the car loan is deductible as a business expense. For electric vehicles, additional deductions are available under Section 80EEB. For personal cars, there are no specific tax benefits, but if used for business, appropriate deductions apply.

Yes, you can prepay your car loan. For floating rate loans, you can prepay after 6 months with no charges. For fixed rate loans, a prepayment charge of 2% may apply if prepaid within the first year. After 12 months, no prepayment charges apply. We encourage early repayment to reduce your interest burden.

In case of default, we first try to contact you to understand the situation and offer solutions like restructuring the loan. If defaults continue, we may repossess the car as per the loan agreement. However, we always try to work with customers facing genuine financial difficulties through EMI holidays or extended tenure options.

Ready to start your new driving chapter?

Our car loan experts are always at your service to help you secure the most cost-effective loan for your new or used car.

Call Loan Hotline: (555) 789-0123 Get Pre-Approved