Frequently Asked Questions

Yes. However, please note that the approval of your two-wheeler loan is subject to your credit score and fulfilment of eligibility criteria for the product.

We frequently offer special schemes – don’t miss out! To avail of our latest offers on two-wheeler loan, get in touch with us.

With flexible options tailored to your unique profile, you can secure up to 95% bike loan with TVS Credit’s Two Wheeler loans—and in some cases, you can even enjoy a zero down payment option on your dream bike.

For a Two Wheeler Loan, the following documents are required:

• Identity Proof- Aadhaar Card/Voter’s ID/Passport (Active)/Driving License/PAN Card
• Address Proof- Electricity bill/Passport/Rental agreement
• Income Proof- PAN Card/Salary Slip/Age Proof, Birth Certificate/Aadhaar Card

Learn more about what all documents are required for a bike loan.

Welcome to the digital era, where you get your two wheeler loan approved in just two minutes if the documents are in place*.

Yes, a salaried individual can get a Two-Wheeler Loan. TVS Credit provides affordable interest rates and ensures a smooth loan process.

Yes, you can foreclose your two-wheeler loan with TVS Credit and gain complete ownership of your bike.

EMI stands for ‘Equated Monthly Instalments’. The installment comprises two components – the principal and the interest. EMIs provide the ease and benefit of paying back your two-wheeler loan in fixed monthly payments over a long period. Watch the detailed Steps to pay EMIs or Loan Charges Online

Please mail a self-attested copy of any KYC document (as mentioned in the Eligibility and Documentation section) to helpdesk@tvscredit.com, or walk into any of our branches with your documents. Watch the Steps to update your address linked to your TVS Credit loan account.  Note : Any change in the address or KYC or any other documents submitted by Borrower(s) at the time of availing the loan, shall be notified in writing, within thirty days of such change by the Borrower.

You can update the mobile number linked to your TVS Credit loan account using any of the modes: TVS Credit Saathi App, TVS Credit website, TIA – the chatbot on our website, or, our official WhatsApp account: +91 638-517-2692. Watch the steps for Updating your Mobile No. & Address linked to your loan account.

Once you have cleared your two-wheeler loan without default, you may be eligible for special schemes.

Yes, this can be done as per the foreclosure terms mentioned in your two-wheeler loan agreement.

No, neither can be changed.

Yes, you can pay your instalment and other dues online through our quick pay payment option, located on the header of our website.

You need to visit a TVS Credit Two-Wheeler Dealership and ask for a TVS Credit representative, we will be happy to assist you with your two wheeler loan requirement. You may also visit our website or social media pages and provide your contact details, post which our representative will get in touch with you shortly.

No, you only have to submit your KYC documents along with bank details for your two-wheeler loan approval. Until the loan is repaid, the vehicle will be hypothecated to TVS Credit. Check out what documents are required for a bike loan.

You can borrow up to 95% of on-road price of the vehicle (subject to applicable terms & conditions). Exact percentage would depend upon your credit score and eligibility.

We offer multiple tenure options for two-wheeler loans ranging from 12 months to 48 months (subject to conditions). Learn more about our Two-Wheeler Loans features & benefits.

Down payment is a small initial amount that you will need to pay at vehicle dealership. It’s the difference between on-road price and loan amount sanctioned to you.

To ensure a smooth experience, we charge a nominal processing/document fee and applicable stamp duty for two-wheeler loans. You can get detailed information from our representatives at any TVS Credit Two Wheeler Dealership

Once you have completed your loan repayment, we will process and close your loan, post which a physical copy of the NOC will be sent to your registered address. You may also contact our customer care number at 044-66-123456 or write to us at helpdesk@tvscredit.com. Watch the steps on Applying for NOC Certificate Online.

You can get your NOC once you’ve paid your entire loan amount and any corresponding dues applicable. Watch the steps on Applying for NOC Certificate Online.

You can download your loan statement through four different modes: TVS Credit Saathi App, TVS credit website, TIA – the chatbot on our website, and our official WhatsApp account: +91 638-517-2692. You can choose the one that’s most convenient for you. Watch the steps on Downloading TVS Credit Loan Statement

Yes, you can apply for another loan.

No, a guarantor is not required.

Your spouse or any blood relative staying at the same residence as yours can be a co-applicant.

The cheques submitted, will be defaced and retained. And in case you wish to get back your cheques, kindly lodge a request with our customer care or write us an email at helpdesk@tvscredit.com.

Yes. However, please note that the approval of your two-wheeler loan is subject to your credit score and fulfillment of eligibility criteria for the product.

Funding a bike purchase on your own can exhaust your funds and may require you to make a few compromises. TVS Credit assists you in bike finance and reduces financial stress by providing attractive offers at low-interest rates. With online documentation, you can apply for a two wheeler loan from the comfort of your home. This way, you can manage your finances and avoid hassles. Learn more about the features and benefits of a Two-Wheeler Loan.

Yes, TVS Credit provides a variety of schemes with loan tenures of up to 60 months and affordable interest rates for your two-wheeler loans. Visit our website to get more information about our current Two Wheeler financing options.

Calculate your monthly EMI using the Two-Wheeler Loan EMI calculator. You can select the term you wish to utilize and easily obtain your eligible monthly payments for your two-wheeler loan.

The TVS Credit Two-Wheeler Loan term ranges from 12 months to a maximum of 60 months. At TVS Credit, you can choose the preferred tenure at your convenience and apply for the Loan. We also provide friendly assistance throughout the process and help you in the decision-making process. Learn more about the features and benefits of a Two-Wheeler Loan.

Yes, TVS Credit offers special schemes frequently for two-wheeler loans. Contact our customer care at 044-66-123456 or visit your nearby dealer using our Dealer Locator to learn about the ongoing offers.

Here is the process for applying for a Two Wheeler Loan at TVS Credit:

• Download TVS Credit Saathi App and sign up using your mobile number 
• Verify your profile by updating your KYC details and checking your eligibility
• Complete the video KYC process after choosing your loan amount & tenure
• Confirm your bank details & complete the e-mandate process to get the loan amount disbursed

Documentation and paperwork can be tiring and tedious especially when you apply for a variety of schemes with loan tenure up to 60 months & affordable rate of Interest bike loan. If you are looking for an instant bike/scooter loan, we at TVS Credit help you cut the queue and save time without having to deal with the lengthy offline process. Apply from the comfort of your home and get your Two Wheeler Loan in just two minutes. *T&C Apply

At TVS Credit, self-employed or salaried individuals, are eligible to apply for a Two-Wheeler Loan. Check out the eligibility criteria for the Two-Wheeler Loan.

To apply for a loan at TVS Credit, you need to submit details of important documents to get an instant approval. The details of the documents include your Aadhar, PAN, and current address proof. In addition to that, you are also required to submit your income proof and bank statement. Once this digital journey is done you can obtain a Two-Wheeler Loan at TVS Credit. Check out what documents are required for a bike loan.

TVS Credit’s Two-Wheeler Loans are available for both, the salaried and self-employed individuals. Check out the eligibility criteria for the Two-Wheeler Loan. Apply for a Two-Wheeler Loan at attractive rates of interest with no hidden costs.

A Loan that provides you funds to purchase a Two Wheeler is called a Two Wheeler Loan (also known as a Bike Loan). You can get a Two Wheeler Loan from TVS Credit, which covers 95% of the on-road price. You can also get attractive offers on your Two Wheeler Loan interest rates. The documentation process is easy, the Loan is approved within 2 minutes and the disbursal begins! *T&C Apply

Calculate your EMI using the 2 wheeler vehicle loan EMI Calculator

The two-wheeler loan term ranges from a minimum of 12 months to a maximum of 60 months. Learn more about the features and benefits of a Two-Wheeler Loan..

At TVS Credit, get up to 95% financing on the on-road price of your bike/scooter. Learn more about the features and benefits of a Two-Wheeler Loan.

Reduce your bike loan EMI in 3 ways:

• Choose longer tenure – A longer tenure for two-wheeler loan repayment will help you reduce the EMI. 
• Make a higher downpayment – A higher down payment will significantly reduce the EMI amount.
• Low-interest rate – Compare the Two Wheeler Loan interest rate before finalizing a lender. 

Two Wheeler Finance EMI calculator comes in handy while calculating the EMI in advance. The benefits of using such a bike EMI calculator are:

• Better financial planning: Make your life stress-free with proper planning of your finances. 
• Affordability check: Opt for Loan amount and tenure as per your repayment capability.
• Instant calculation: Save manual calculation time, avoid errors, and get accurate results. 
• Safe & user-friendly: An EMI calculator is easy to use. Add the basic details and you are good to go.

Keep these details handy to instantly calculate your EMI amount:

• Loan amount
• Interest rate
• Repayment tenure

Steps for using TVS Credit Two Wheeler EMI calculator

Calculate your EMI in just 4 steps:

• Select the bike variant and state: Select the variant (the Two Wheeler you are planning to buy) and the state in which you will register the bike. 
• Enter details: Provide the relevant details or use the slider to set the loan amount, interest rate, and repayment tenure. 
• View results: Check the monthly Loan EMI in the result section and re-enter the details as per your desired output. 

Benefits of using TVS Credit Two Wheeler Loan EMI calculator

• Better financial planning: Make your life stress-free with proper planning of your finances. 
• Affordability check: Opt for Loan amount and tenure as per your repayment capability.
• Instant calculation: Save manual calculation time, avoid errors, and get accurate results. 
• Safe & user-friendly: A Two-Wheeler Loan EMI calculator is easy to use. Add the basic details and you are good to go.

Factors affecting Two Wheeler Loan EMI

• Loan amount: A low principal amount results in a lower EMI.
• Rate of interest: A higher rate of interest increases the EMI. 
• Loan tenure: Longer the tenure lesser will be the EMI.

Tips to reduce Bike Loan EMI

• Make a higher down payment – A higher down payment will reduce your monthly burden. If possible, try to pay a higher amount as a down payment. 
• Choose longer repayment tenure – Opting for a longer duration for repayment will have a major effect on your EMIs. The longer the tenure, the lesser the EMI. 
• Compare interest rates – Before finalising a lender for a Two Wheeler Loan, compare the interest rates offered by different lenders and choose the most feasible one to set an affordable EMI.

The bike loan EMI calculator makes it convenient for you to pre-plan your EMIs for your two-wheeler loans and maintain a regular repayment schedule effortlessly.

To calculate the Two-Wheeler Loan interest rate, you must have the following information available:

• Loan amount 
• Interest rate 
• Bike model details 
• Repayment tenure 

Once you have this information, you can use the TVS Credit Two-Wheeler Loan EMI calculator to get an estimate of your EMIs.

At TVS Credit, the loan tenure to avail Two-Wheeler Loan ranges from 12 to 60 months. Learn more about the features and benefits of a Two-Wheeler Loan.

Here are a few reasons to opt for a Two-Wheeler Vehicle Loan::

• Easy way to finance your Two-Wheeler: In just a few easy steps, you can purchase your dream bike.
• Comfort and independence: Get your commuting needs sorted with a two-wheeler.
• No need to use up your savings: Two-Wheeler Loan gives you financial independence and ensures that you don’t have to use all of your savings. With proper planning, you can repay the loan amount at your convenience and keep the savings untouched. You can even opt for a variety of schemes with loan tenure up to 60 months & affordable rate of Interest on Two Wheeler Loan.

Learn more about the features and benefits of a Two-Wheeler Loan.

Yes. However, please note that the approval of your loan is subject to your credit score and fulfilment of eligibility criteria for the product.

No, a guarantor is not required.

Yes, this can be done as per the foreclosure terms mentioned in your loan agreement.

We frequently offer special schemes – don’t miss out! To avail of our latest offers, get in touch with us.

No, neither can be changed.

Yes, you can pay your instalment and other dues online through our quick pay payment option, located on the header of our website.

Yes, you can apply for another loan.

At TVS Credit, we provide Used Car Loan approvals in just 4 hours post document submission.

If you are 21 years and above, then you’ll be eligible to get a Used Car Loan. Alternatively, you can continue the loan process with a guarantor.

To qualify for a used car loan, consider the following key conditions:

• Age: Your age should be at least 21 years. Or else, you can proceed with a guarantor. 
• Income Stability: At least 6 months of work experience with the current organisation.
• Credit Score: A credit score of more than 750 increases the possibility of loan approval.
• Existing Debt Status: Your current debt status is a deciding factor in ensuring your eligibility.

EMI stands for ‘Equated Monthly Instalments’. The instalment comprises two components – the principal and the interest. EMIs provide you with the ease and benefit of paying back your used car loan in fixed monthly payments over a long period of time.

Please mail a self-attested copy of any KYC document (as mentioned in the Eligibility and Documentation section) to helpdesk@tvscredit.com, or walk into any of our branches with your documents. Click here to check the Steps to update your address linked to your TVS Credit loan account.  Note : Any change in the address or KYC or any other documents submitted by Borrower(s) at the time of availing the loan, shall be notified in writing, within thirty days of such change by the Borrower.

Once you have cleared your used car loan without default, you may be eligible for special schemes.

You can choose from any of the 5 well-placed repayment options of 12, 24, 36, 48, or 60 months for a used car loan, which are designed to suit your requirements.

No, you only have to submit your KYC documents along with bank details for used car loan approval. Until the loan is repaid, the vehicle will be hypothecated to TVS Credit.

The down payment for a used car loan is a small initial amount that you will need to pay at the vehicle dealership. It’s the difference between the on-road price and the loan amount sanctioned to you.

Leading auto manufacturers like Maruti Udyog, Tata Motors, Hyundai Motors, Ford India, Skoda, General Motors, Honda India, Fiat India, and Toyota India are covered under TVS Credit’s used-car loans. However, please note that some discontinued models may not be eligible for financing.

No, but if your income does not meet our eligibility criteria, then you can club the income of your father/mother/spouse/son to become eligible for your used car loan. They would need to come in as co-applicants for the loan.

Once you have completed your used car loan repayment, we will process and close your loan, post which a physical copy of the NOC will be sent to your registered address. You may also contact our customer care number at 044-66-123456 or write to us at helpdesk@tvscredit.com.

You can get your NOC for a used car loan once you’ve paid your entire loan amount and any corresponding dues applicable.

Your spouse or any blood relative staying at the same residence as yours can be a co-applicant for a used car loan.

The cheques submitted, will be defaced and retained. And in case you wish to get back your cheques, kindly lodge a request with our customer care or write us an email at helpdesk@tvscredit.com.

• Provides accurate and critical information.
• Calculates the results instantly.
• Helps in better financial planning.
• Allows to experiment with the inputs and get desired results

Yes, you can opt for the EMI option to repay the loan for a second-hand car. Check out TVS Credit’s used car loans.

For a Used Car Loan, the EMI stands for Equated Monthly Instalment. It is the amount that is paid by the borrower on a specific date, for a defined tenure, to repay the loan.

Using an EMI valuation tool is simple, efficient, and quick. Evaluate your EMI for a used car loan with these 4 steps:

• Select the year of manufacture, brand, model, and variant of your desired car.
• Select the state in which you are planning to register the car.
• Provide proper details or use the slider to set the loan amount, interest rate, and repayment tenure.
• Check the EMI and down payment in the result section and experiment with the details to get an appropriate output.

• Calculate the EMI for your used car loan in advance and plan your monthly budget.
• Choose the tenure according to your repayment capability.
• Get quick and accurate estimation with a Used Car EMI Valuation Tool.
• A secure and user-friendly option to calculate the EMI.

The processing fee for a Used Car Loan depends upon the loan amount, tenure, and interest rate. Know the processing fee for your loan by using the Used Car Loan Valuation Tool by TVS Credit.

At TVS Credit, we provide Used Car Loan approvals in just 4 hours post document submission.

You can repay the Used Car Loan by opting for the EMI option offered by TVS Credit. Make repayments at your convenience by opting for a tenure ranging from 12 to 60 months.

To secure a low interest rate on your used car loan, consider the following strategies:

• Make a higher down payment 
• Improve your credit score
• Pay the pending debts
• Choose a recent pre-owned car

At TVS Credit, we provide affordable interest rates for your Used Car Loan. The rate of interest ranges from 13% to 18%.

Your credit score should be 750 or above. This will increase your eligibility to avail of a Used Car Loan. You can check out your eligibility criteria, submit documentation and get quick approval.

Yes, when you opt for a Used Car Loan, you need to make a down payment. TVS Credit finances 95% of your desired second-hand car.

Yes, you can get an EMI option for second-hand Car Loans. Check out the estimated EMI for your used car loan by using our car valuation tool.

TVS Credit provides a repayment tenure of up to 60 months with low-interest rates for used car loans.

Here are the reasons why you should opt for Used Car Loan from TVS Credit:

• Loan approval in just 4 hours
• Funding up to 95% of the asset value
• Avail of a Loan without any income proof 
• Hassle-free online documentation

You can repay the consumer durable loan either online or at offline dealer outlets.

Finance your Consumer Durable purchase with TVS Credit’s Consumer Durable Loan and enjoy these benefits:

• 2 Minute Loan Approval 
• No Cost EMI
• Minimal Documentation
• Zero Down Payment
• First-time Borrowers Eligible

The Consumer Durable Loan documents depend on several factors such as

• The age of the individual must be 21 years or older, 
• Should have at least 6 months of work experience at their current organization
• Credit score of more than 750

Check out the complete list of required documents by visiting our consumer durable loan product page.

Here are the advantages of using a consumer durable Loan EMI calculator:

• Accurate EMI Calculation
• Save Time and Effort 
• Helps in Decision-making

The EMI for a Consumer Durable Loan depends upon the loan amount, eligibility and various other factors. Get your repayment amount calculated using the consumer durable finance EMI calculator.

You can get the EMI value of a consumer durable loan calculated in just 3 steps:

• Select the loan amount
• Select tenure
• Select interest rate

The benefits of being aware of the EMI of consumer durable loan in advance are:

• Reduces hassle while applying for the loan
• Helps in making well-informed decisions
• Promotes better financial planning

Yes, a Consumer Durable Loan is provided to finance the purchase of household appliances and gadgets. While personal loans also known as consumer loans can be used for multiple purposes to meet your urgent needs.

Yes, TVS Credit provides you with the option to foreclose your Consumer Durable Loan.

You can get the following products financed under Consumer Durable Loan:
Refrigerator, Washing Machine, AC, LED TVs, Home Theatres, Laptops and more.

To finance your air conditioner purchase, you will need to submit your KYC documents. Check your consumer durable loan eligibility and documents required.

Here are the following benefits of AC loans (Consumer Durable Loans) offered by TVS Credit:

• Instant Approval 
• No cost EMI 
• Zero Paperwork
• First-time Borrowers Eligible

You can apply for an AC loan (Consumer Durable Loan) of fewer than 5 lakhs and enjoy no-cost EMI and other benefits.

An AC loan is a loan given for financing the purchase of a brand-new AC. This kind of loan comes under consumer durable loans. Apply today and get attractive benefits on AC loans with TVS Credit.

To finance your television purchase, you will need to submit your KYC documents to get consumer durable loans.

Here are the following benefits of TV loans (Consumer Durable Loans) offered by TVS Credit:

• Instant Approval 
• No cost EMI 
• Zero Paperwork
• First-time Borrowers Eligible

You can apply for a TV loan (Consumer Durable Loan) of fewer than 5 lakhs and enjoy no-cost EMI and other benefits.

A TV loan is a loan given for financing the purchase of a brand-new television. This kind of loan comes under consumer durable loans. With TVS Credit, getting a loan for a brand-new TV with attractive benefits is easy. Apply today.

To finance your refrigerator purchase, you will need to submit your KYC documents to get a consumer-durable loan

Enjoy the following benefits on refrigerator loans (Consumer Durable Loan) offered by TVS Credit:

• Instant Approval 
• No cost EMI 
• Zero Paperwork
• First-time Borrowers Eligible

A refrigerator loan is a loan given for financing the purchase of a brand-new refrigerator. This kind of loan comes under consumer durable loans. Bring home a brand-new refrigerator and finance it with TVS Credit consumer durable loans.

Yes, you can foreclose your home appliance loan (Consumer Durable Loan) at your convenience.

The repayment tenure for a home appliances loan (Consumer Durable Loan) is from 6 – 24 months.

Buy home appliances on EMI and enjoy the following benefits on home appliances loans (Consumer Durable Loan) offered by TVS Credit:

• Instant Approval 
• No cost EMI 
• Zero Paperwork
• First-time Borrowers Eligible

A home appliances loan is a loan given for financing the purchase the home appliances. This kind of loan comes under consumer durable loans. Apply for a loan with TVS Credit and purchase any home appliance of your choice without any hassle.

You can get the following products financed under consumer durable loans:

Refrigerator, Washing Machine, AC, LED TVs, Home Theatres, Laptops and more.

Here are the multiple benefits offered by TVS Credit’s consumer durable loans:

• • Instant Approval 
  • No cost EMI
  • Zero Paperwork
  • First-time Borrowers Eligible

TVS Credit provides Consumer Durable Loans for first-time borrowers with no credit history. Check out the consumer durable loans eligibility criteria.

You can borrow from Rs. 10k to Rs. 1.5 lakhs through TVS Credit’s Consumer Durable Loan.

You can apply for a consumer durable loan of fewer than 5 lakhs and enjoy no-cost EMI and other benefits.

Select the product you are willing to buy and apply for a Consumer Durable Loans

Individuals who are salaried or self-employed can apply for a Consumer Durable Loan. Check out the detailed consumer durable loan eligibility criteria.

To finance your electronics or home appliances purchase, you will need to submit your KYC documents to get a consumer durable loan.

If the borrower stops repaying the consumer durable loan amount, then their account goes into default. This may increase the penalties, interest charges, and more. Your CIBIL score will also be affected negatively.

You can select the 6 – 24 months tenure for a Consumer Durable Loan.

If you apply for a consumer durable loan of less than 5 lakhs, you can get the loan without any credit history. For loan amounts of more than 5 lakhs check out the eligibility criteria.

You can get a Consumer Durable Loan to buy products online or from retail stores. It gives an option to the borrower to repay in EMIs for a defined tenure.

Check out the eligibility criteria to get a Consumer Durable Loan from TVS Credit.

TVS Credit’s mobile loan offers hassle-free financing, enabling you to purchase your desired mobile phone with ease and convenience. With competitive interest rates and flexible repayment options, we ensure affordability and empower you to fulfil your aspirations without straining your budget.

You can get the EMI value for your mobile loan calculated in just 3 steps:

• Select the Loan amount
• Select tenure
• Select interest rate

The benefits of being aware of the EMI for your mobile loan in advance are:

• Reduces hassle while applying for the Loan
• Helps in making well-informed decisions
• Promotes better financial planning

You can pay your Mobile Loan monthly, in affordable instalments. Repay your Loan by opting for a convenient tenure ranging from 6 months to 24 months.

To apply for a Mobile Loan at TVS Credit, you must be above 21 years of age, have a stable income and have a good credit score. Check out the complete list of eligibility criteria.

EMI stands for estimated monthly installments, which are paid every month for the mobile loan amount opted to purchase a mobile.

Yes, get Mobile Loan approved in just 2 minutes with TVS Credit. Apply for TVS Credit Mobile Loan now.

Buying a smartphone with EMI makes life easier and helps manage expenses. Get a Mobile Loan from TVS Credit with no-cost EMI, zero down payment, and more benefits. Learn about the Mobile Loan Features and Benefits.

Yes, subjected to your updated credit history.

With TVS Credit, purchase your new mobile on EMI without credit card. We provide mobile loans at zero down payment and no cost EMI.

Sure, you can buy a phone on EMI with attractive features from TVS Credit’s mobile loan.

Yes, you can select the Loan amount and tenure for your Mobile Loan and repay it as per your convenience.

You can apply now to buy a mobile phone on EMI with a mobile loan from TVS Credit at any empanelled offline store with zero down payment.

You can select a Loan tenure from 6 to 24 months for repaying the mobile loan from TVS Credit.

The term for TVS Credit’s online personal loans ranges from 6 to a maximum of 60 months. At TVS Credit, you can choose your preferred tenure at your convenience and apply for the loan. We also provide friendly assistance throughout to make the application process easy and quick for you.

The most common usage of an online personal loan involves paying for a long overdue trip and family events like weddings and birthday celebrations. These are also commonly used for large purchases, debt relief, emergency expenses like medical emergencies, banking, education, and electronic purchases. They are also frequently used for making down payments on a house or a car.

By using the EMI calculator you can calculate online personal loan EMIs. You can select the term you want to utilize and figure out your monthly payments free of hassle.

For an online personal loan from TVS Credit, we charge a processing fee ranging from 2 percent to 5 percent of the loan amount. One can apply for an instant personal loan, and TVS Credit has a competitively low interest rate, and the loan disbursal occurs within 24 hours. The entire process is paperless.

The process for getting an online personal loan at TVS Credit is as follows:

• Download TVS Credit Saathi App and Sign up using your mobile number
• Verify your profile by updating your KYC details and check eligibility
• Complete the video KYC process after choosing your loan amount & tenure
• Confirm your bank details & complete the E-mandate process to get the loan disbursed

No, online personal loans are not taxable.

Yes, TVS Credit Saathi is an app for obtaining an online personal loan with TIA to further assist you. The process is simple and paperless, and disbursement occurs within 24 hours of the successful completion of the digital journey. Use the EMI calculator available on our website to help you understand the amount you must pay each month.

A personal loan is not secured since it does not require any collateral to get one. Obtaining the best personal loan is easy because TVS Credit offers instant personal loans that are paperless and simple. Visit the TVS Credit website, avail yourself of an online personal loan, and start living the way you want.

At TVS Credit, applying for an online personal loan is simple, quick, and paperless. You don’t need any documents to apply for a personal loan. Just have your Aadhar details, PAN details, and current address proof on hand and fill out the required information. You can receive your loan within to get your loan now.

No, cancellation is not possible once the customer has completed the digital signature, as the signature indicates the disbursal of the agreed-upon online personal loan amount. Learn more about your eligibility and receive personalized guidance. For further assistance, reach out to TIA to better understand.

An online personal loan offers many advantages, but it’s vital to realize that defaulting on a personal loan might affect your credit score. Being judicious in choosing your loan will help you save a lot of hassle. To understand and manage your finances, visit TVS Credit and use the EMI calculator. Enter the necessary information to calculate your monthly EMI and select a tenure. You can pay back the loan amount without hurting your pocket by using several payment options.

One can apply for personal loans for reasons like paying for college, making a down payment for a house, launching a business, emergencies, weddings, travel, paying for the necessities of life, or paying for pricy credit card debt. The personal loan should have a lower interest rate than your current debt to enable you to pay it off more quickly. online personal loans let you cover unexpected costs without depleting your savings as they follow a routine payment schedule. They provide the ability to combine high-interest loans and can also be used to pay for your wedding or a dream vacation.

online personal loans allow you to borrow up to Rs. 5 lakhs, starting at Rs. 50,000. Apply for a personal loan online and get disbursal within 24 hours with an easy and quick process with no paperwork.

Before you borrow money, calculate the amount you need to pay by budgeting the installments and paying off your bills by consolidating them. Be mindful of the terms of the loan. If you have multiple debts or high-interest loans, consolidating them into one online personal loan and paying it off makes sense. Make sure you pay your installments without fail, as it might negatively affect your credit score and reduce the chance of getting a loan in the future. A good credit history and score show creditors that you maintain your credit commitments by making timely payments.

The advantages of online personal loans from TVS Credit are:

• No need for a collateral
• Predictable repayment schedule
• Longer repayment time
• Easy EMI options
• Disbursal within 24 hours
• No physical documents required
• Quick and easy application anytime

No, we do not offer online personal loans to unemployed borrowers yet. However, salaried individuals who earn Rs. 25,000 and above per month can apply for our Personal Loan. Check your eligibility and get disbursal within 24 hours with our paperless process. Our digital companion TIA is available to assist you in completing the digital journey without any hassles.

Disbursal of our online personal loans usually happens within 24 hours after the successful completion of the digital journey. The application process is simple, fast, and paperless. We also offer personalized guidance to help you complete the application process without any issues.

Applying for an online personal loan with us is open to all salaried individuals earning over Rs.25,000 per month and individuals with a CIBIL score of over 700. You can also review other eligibility criteria. With a TVS Credit Personal Loan, you can obtain financing within 24 hours.

A personal loan allows you to borrow money from a lender for almost any purpose, such as debt repayment, financing a large purchase, or planning a wedding. online personal loans at TVS Credit are hassle-free to apply for, and we disburse the loan within 24 hrs.

You can access a Virtual EMI card in the TVS Credit Saathi App which is just a unique identification number. But If you require a physical InstaCard you can place a request by paying Rs.100.

Steps to use the InstaCard Shop Online option:

• Open TVS Saathi app -> InstaCard -> “Shop Online” -> Select the brand or visit directly any of our partner websites.
• Select your product and add it to the cart to proceed.
• Choose TVS Credit EMI as a payment option and log in with your mobile number to check the credit limit.
• Confirm the loan amount, select EMI and tenure, and authorize the transaction with OTP.

Steps to use the InstaCard Merchant store option:

• Visit any of our partner stores.
• Make your purchase.
• Ask the dealer for the TVS Credit EMI payment option.
• Share your mobile number to check the credit limit.
• Choose the loan amount, EMI, and tenure and submit it with the OTP.

Steps to use the InstaCard Bank Transfer option:

• Open TVS Saathi app -> InstaCard -> Bank Transfer.
• Select your loan amount with EMI and Tenure to proceed.
• Check your registered bank details and confirm the OTP.
• Submit and the amount will be transferred within 30 minutes.

Yes, on your InstaCard, you will be charged interest from the date of loan disbursement for successful transactions.

Your monthly EMI for your InstaCard instant loans will be debited from the same bank account registered with us for your previous loan.

You can do a minimum transaction of Rs.3000 and a maximum transaction of Rs.50,000 in a single transaction.

You can avail a maximum of 3 parallel loans within the approved limit using your InstaCard subject to terms and conditions communicated from time to time.

All transactions are converted into a loan on the basis of the loan request submitted through TVS Credit Saathi App or merchant stores. Monthly interest rate up to 3%* is applicable. Please, refer to the grid below to understand the repayment tenure options.

InstaCard can be used for shopping, purchasing, and payment needs across online and offline merchant networks, covering categories such as electronics, consumer durables, lifestyle, home appliances, furniture, education, health, travel, domestic usage, etc.

You can activate the pre-approved credit limit loan facility through the TVS Credit Saathi app. The steps are as follows:

• Step 1: Visit the InstaCard section in TVS Credit Saathi App.
• Step 2: Enter your Date of Birth and submit the declaration.
• Step 3: You will receive an OTP on your registered mobile number for validation. Upon validation, your credit limit will be activated for usage.

If you are unable to repay the gold loan on time, reach out to our dedicated customer support team. We are here to work with you and help you find a suitable solution.

Absolutely! We understand that financial situations differ. So, we offer flexible repayment options, including EMIs, for your gold loan to suit individual preferences and financial capabilities.

The loan amount for your gold loan is determined based on the value of your Gold. Our expert assessors will guide you through a transparent process to ensure you receive the maximum loan amount possible.

Check your eligibility to apply for a second-hand commercial vehicle loan.

The interest rates for a used commercial vehicle loan may differ depending on several factors like customer segment, credit score, loan tenure, and age of the vehicle.

At TVS Credit, the maximum loan amount for a tractor loan that can be borrowed to purchase a tractor is up to 90% of the tractor’s price.

The maximum tractor loan tenure at TVS Credit is up to 7 years.

Here’s why you should consider TVS Credit tractor loan.

• Maximum funding
• No income proof required
• Easy documentation process
• Quick Loan approval

Tractor loans come under the category of agricultural loans. This Loan can be availed by farmers, non-farmers, individuals or as a group. At TVS Credit, the repayment options have been matched with the crop cycle for the borrower’s convenience.

At TVS Credit, we provide tractor loan with affordable interest rates ranging from 11%-25%

EMI stands for ‘Equated Monthly Instalments’. The installment comprises two components – the principal and the interest. EMIs for a tractor loan provide you with the ease and benefit of paying back your loan in fixed monthly payments over a long period of time.

We frequently offer special schemes – don’t miss out! To avail of our latest offers, get in touch with us.

Once you have cleared your tractor loan without default, you may be eligible for special schemes.

Yes, this can be done as per the foreclosure terms mentioned in your tractor loan agreement.

Your tractor loan will be processed within 48 hours, subject to fulfillment of document and verification requirements.

At TVS Credit, the underwriting philosophy for a tractor loan is largely driven by the overall income of the customer. Additional sources of income are given due weightage.

Any loan with an LTV above 65% would require a guarantor.

Depending on the type of loan, the maximum tenure ranges from 48 to 60 months.

The repayment schedule can be customized in such a way that each instalment is due during the harvest season.

Agriculture Equipment Loans are agricultural loans since they are primarily used in that sector of the economy. However, you can also purchase an implement for use in your business operations. Farm implement loans are also considered to be term loans as the borrowed amount must be repaid within a specific period.

TVS Credit aims at reducing the financial burden of making the heavy investment of purchasing a new tractor. Thus, with our farm implement loan, you can avail funds up to 90% of the total value of the equipment you are buying.

TVS Credit keeps the needs of farmers and business owners in mind, offering Implement Loans at reasonable and highly competitive interest rates. Learn more about the interest rates for farm equipment loans.

TVS Credit has made its farm equipment finance application process easy. The farm implement loan procedure is available both online and offline, and you can either visit the nearest branch or opt for our time-saving online Loan process.

Get farm implement loan in 4 easy steps:

• Visit the website
• Select your product
• Get your Loan approved
• Get your Loan sanctioned and disbursed

No, comprehensive coverage is required.

You can intimate the branch, which you normally deal with. Otherwise, you can email us on helpdesk@tvscredit.com. To help you further, you can click here to check the Steps to update your address linked to your TVS Credit loan account.  Note : Any change in the address or KYC or any other documents submitted by Borrower(s) at the time of availing the loan, shall be notified in writing, within thirty days of such change by the Borrower.

Yes, you can remit your instalments in any of our branches. Click here to view a list of our branches.

Approval is usually given in one working day, subject to the submission of all required documents.

Our Three-Wheeler Loans are available for a maximum period of four years.

Our rates, which are comparable with the best in the industry, are determined by the customer’s location and profile and the loan’s tenure.

We do not fund any accessory unless it is a standard fitting.

The finance amount is based on the vehicle and customer profile.

The finance amount is based on vehicle bought and the profile of the customer.

We do not fund any accessory unless it is a standard fitting.

The interest rates offered are comparable with the best in industry and are determined by the location of the customer, tenure of loan and customer profile.

The three-wheeler loan is available for a maximum period of 4 years.

Normally, the approval is accorded in one working day on submission of all the required documents.

No, collateral security is not required.

Not always.

To do so, you can send your request through one of our nearest branches. Please see ‘Our Network’ to view a list of our branches.

Yes. You can remit your instalments in any of our branches. Check our branch locator to view the list of our branches.

Under the finance agreement, foreclosure is not contemplated. However, upon your specific request, we may advise the settlement amount to you and on remittance of the same, the necessary termination papers would be issued.

On payment of the last instalment and any other dues as per the agreement, the termination papers including the RTO related papers would be issued.

The Termination letter, the No-objection letter addressed to the RTO and Insurance endorsement cancellation letter.

You can intimate the branch, which you normally deal with. Otherwise, you can email us on helpdesk@tvscredit.com. To help you further, you can click here to check the Steps to update your address linked to your TVS Credit loan account.  Note : Any change in the address or KYC or any other documents submitted by Borrower(s) at the time of availing the loan, shall be notified in writing, within thirty days of such change by the Borrower.

No, comprehensive coverage is required.

We do not insist on this, but please take care to arrange for comprehensive insurance and produce the policy copy with our endorsement in time. However, if you pay the premium along with monthly instalments we can take care of your insurance needs.

Yes, a copy of the agreement will be provided to the applicant.