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FAQ:- in Child

What is a car loan, and how does it work?
A car loan is a financial service that helps you purchase a vehicle by borrowing money from a bank or lender. You repay the loan in monthly installments with interest over a fixed tenure.
What are the eligibility criteria for a car loan?
Most lenders require you to be at least 21 years old, have a stable income, and maintain a good credit score. Salaried and self-employed individuals can apply based on their income proof.
What documents are needed to apply for a car loan?
Common documents include identity proof (Aadhar, PAN), address proof, income proof (salary slips, ITR), and vehicle-related documents like a proforma invoice.
What factors affect the interest rate on a car loan?
The interest rate depends on your credit score, loan amount, tenure, income stability, and the lender’s terms. A higher credit score often results in lower interest rates.
Can I get a car loan with a low credit score?
Yes, but your interest rate may be higher. Some lenders offer car loans to individuals with low credit scores, but they may require a higher down payment or additional documentation.

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