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Get a Car Loan of up to 100% of the on-road price

The joy of owning a car is unparalleled, but the financial commitment can sometimes be daunting. What if we told you that you can drive home your dream car without worrying about the hefty down payment? With our car loan offering up to 100% of the on-road price, we make car ownership easy, convenient, and within your reach.

Car Loan Products

Pre-Owned Car Loan

Pre-owned Car Loan interest rates are attractive.

Pre-Owned Car Loan

Car Loan Top Up offers attractive interest rates and faster processing which allows customers to access additional funds conveniently.

Refinance Car Loan

Car Refinance option includes easy documentation, loan tenure of up to 7 years and attractive interest rates for a seamless refinancing experience.

Pre-Approved Car Loans

ICICI Bank Pre-approved Auto Loan offers up to 100% on-road funding without any income documentation and a flexible tenure of up to 84 months.

Car Loan Eligibility Criteria

Car Loan eligibility criteria for diverse applicants. 

 

  • Salaried individuals must be aged between 20 and 65 years with a minimum monthly income of Rs 30,000.
  • Self-Employed individuals must be aged between 21 and 70 years. An existing relationship with ICICI Bank is advantageous.

Popular Car Loan (FAQs)

What is a Car Loan?

Car Loans are extended for the purchase of a passenger four-wheeler, new car or a pre-owned car. Car Loans can also be used as a Cash Loan through products like Refinance, Top-up on an existing Car Loan or to carry out a Balance Transfer.

 
How is a Car Loan application processed?

There are two types of application processes when applying for a Car Loan – a Digital process and a Manual process.

 

Manual Process

 

  1. Walk in.
  2. Have a discussion with our team.
  3. The team will share Schemes and Internal Rate of Return details.
  4. Submit the required documents.
  5. The team will follow the internal approval process.
  6. Post-approval, the Loan will be disbursed.

 

Digital Process

 

  1. Visit the ICICI Bank website, navigate to the Car Loan application page, and click on ‘Apply Now’.
  2. Choose Existing or New Customer.
  3. Select the Loan Type and provide details such as name, mobile number, work information, etc.
  4. Once this is done, you will get an overview of your Loan eligibility.
  5. Complete the Car Loan Application Form.
  6. Upload digital copies of the required documents.
  7. The application and the documents will be verified electronically.
  8. Receive an approval notification from ICICI Bank.
  9. The Loan amount will be disbursed directly to the seller.
Can I get 100% funding to buy a car?

Yes, Pre-approved customers can avail 100% of the on-road price. However, the on-road price should be equal to or less than the offer amount. For Non-Pre-approved customers, 100% on-road funding on Vehicle Loans is possible based on parameters like income, stability, FOIR, CIBIL and internal checks.

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