Unbeatable Car Loans, Refinance & Balance Top Ups

Get up to Rs. 30,00,000 on Existing Car or Save by Refinancing your existing loan. *

  • Lowest EMI's from Top Lenders
  • Longest tenures up to 8 Years
  • Refinance & Get up to 150% on your existing car loan
  • Prepay Anytime, No Extra Fees 


Available on New and

Pre-Owned Cars

EMI Calculator


Quick approval and easy




Refinance Upto 150% your Existing Car Loan 



Lower Interest Rates

Longest Tenure Up to 8 yrs


Ready to Begin ?
It takes less than 60 seconds !

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₹1200 Cr.

in funded loans.

1000's of happy customers

Over 15 years in Business.

Secure and Trusted

256-Bit SSL encryption.

Namaste Loans Car Loans Partner Axis Bank

Why Us? Our Benefits for your car loan

No Waiting

Drive Way within 3 days

Longest Tenure of Loans

Get up to 8 years of


Lowest EMI

From ₹1499/ Per Lac / PM

On Road Funding

Get up to 100% on Road Funding

NIL Down Payment

Get ZERO Down Payment Option

Lowest Insurance

15% Flat Discount on Insurance Premiums

Part Pay Anytime

Partial prepayment

facility available

Close anytime

Foreclosure facility


Work in Govt

Special discounts and Schemes, Apply Now

We got you covered PAN INDIA.  

Unbeatable  loan deals for loan against car, car refinance and BT Top Ups. Across 27 States and 7 UTs in India

  • Andhra Pradesh
  • Arunachal Pradesh
  • Himachal Pradesh
  • Madhya Pradesh
  • Uttar Pradesh
  • Chhattisgarh
  • Uttarakhand
  • West Bengal
  • Delhi NCR
  • Gujarat
  • Haryana
  • Jharkhand
  • Karnataka
  • Kerala
  • Manipur
  • Meghalaya
  • Mizoram
  • Nagaland
  • Odisha
  • Punjab
  • Rajasthan
  • Sikkim
  • Tamil Nadu
  • Telangana
  • Tripura
  • Chandigarh
  • Assam
  • Bihar
  • Goa
  • Ladakh
  • Maharashtra
  • Dadra & Nagar Haveli
  • Daman and Diu
  • Jammu & Kashmir
  • Puducherry

Your Questions - Answered

In case you have any more queries please apply via the form above and one of our agents will be happy to help.

What is a top-up on car loan?

Top-up on car loan is an easy way to get funds against your car. It is an excellent option if you need funds quickly for any other requirement. Top-on car loan gets you a secured loan without having to mortgage any other asset.

What is the benefit of a top-up on my existing car loan?

A top up loan can be utilized for almost any purpose. Its the easiest way to get cash instantly. The tenures are pretty convenient and interest rates offered are lower than any Personal Loan. Also, since the top-up is based on your existing car loan; it entails lesser documentation and its processed faster & quicker when compared to a new loan.

What happens if I already have a car loan on my car?

No Problem, If you already have a a loan and have paid more than 12 EMIs on your existing car loan, then just fill the form and we have exciting top-up on car loan offers for you. We work with India's top auto loan financiers. Just fill up the form on the website to start your top-up on car loan application and our associates will help you to get you your desired top up amount.

What happens to my previous car loan if I go with you ?

At Namaste Loans we will keep you advised and provide you step by step assistance on this process. To close your previous loan , the funds are directly deposited in your previous loan account to foreclosure that with your previous financier on your behalf. So you will have no outstanding form the previous car loan.

What if I don’t have a loan running on my car?

If you own a car, then you are eligible for a loan. If you have never availed a loan on your current car, we can surely get you a loan against the same car.

Even If you have had a previous loan and have closed your loan in last 3 months, we will use your car loan closure and payment track record to generate offers for you. 

In case you have closed a loan before 3 months, we can still offer you loan against car basis your current income & repayment details.

How much can I borrow?

You can borrow up to 150% of your original loan amount for Top Ups and Balance transfers. You can borrow also up to a maximum of Rs. 30 Lakhs. However like all financial products this will also depend on individual circumstances like Credit Score, Financials and other lending parameters of the financial institution.

What interest rate do you charge?

Typical interest rates depend on the MCLR of the financial institutes which varies month on month. Depending on the vehicle the rate of interest can vary from 9% to 10.6% on a reducing basis. Feel free to use our online calculator to check EMI.

What is the maximum loan tenure?

WE can offer one of the best long terms tenures as low interest rates, which means more affordability, lower EMIs and longer tenures ranges from 36 to 96 months, depending on your individual circumstances.

How long does it take to get a decision on my application?

Once the application is submitted along with complete set of documents we are able to provide a decision within 24 to 48 hours.

How is top-up on car loan better than a personal or business loan?

Top-up on car loan is simpler and faster than Personal or Business loans. The tenures are pretty convenient and interest rates offered are lower. Top-up on car loan requires minimal documentation

Will my loan be on a floating Rate of Interest or a fixed Rate of interest?

Your loan will be on a fixed rate of interest. This gives you the peace of mind that your repayments and EMI will not be affected with any increase in Interest rates of the lending institution.

Can I repay the loan earlier?

Yes, Of Course you can and with no foreclosure charges in most cases.

Can I also get my Insurance via you?

Yes, we offer great deals on insurance products. Please fill the form above and associate will call you and go over the offers with you. 

guaranteeD To Save you money on your car loans

At NamasteLoans we pride ourselves to provide you the best deal and we can guarantee to beat any other quote.  

We work closely with our partners and our agents monitor  the best offers and deals on car loans for both new car loans or loans on your existing cars. 

Try us out today  ! 

I want to borrow...

1 lacs 100 lacs
2 month 96 month
rate %
rate 8% rate 16%

Repayments from

3.39 lacsper month

*View Calculation Details

*The actual interest rate charged to you will depend on your personal circumstances, the type of lending required and the security provided. To understand the rate that will apply to you, please apply online.

Normal lending criteria, terms, conditions and fees apply.




Ex Showroom cost of car (Ex Delhi) (A)


RTO Tax (B)


Insurance (C)


Discount (D)


Net on Road Cost of car (E = A + B + C - D)


Loan Amount (F)


Down Payment (E - F)


Monthly Instalments ₹1,499 / Lakh


T&C Apply, Special schemes are eligible for tenure of 8 years, products and services are governed by the financial institution and Govt / RBI or such other statutory and regulatory Authorities from time to time. Sanction of the loans are at the sole discretion of the lending institution and are subject to individual credit scores, repayment history and other parameters. The above illustration is provided only as a pictorial representation

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Loan Amount Eligibility Check

Original Loan Tenure

Minimum EMI's Cleared for 125% Scheme

Minimum EMI's Cleared for 150% Scheme

12 - 36 Months

12 EMI

18 EMI

37 - 48 Months

15 EMI

18 EMI

49 - 60 Months

18 EMI

21 EMI

> 60 Months

18 EMI

24 EMI

Original Loan Tenure

12 - 36 Months

Minimum EMI's Cleared for 125% Scheme

12 EMI

Minimum EMI's Cleared for 150% Scheme

18 EMI

Original Loan Tenure

37 - 48 Months

Minimum EMI's Cleared for 125% Scheme

15 EMI

Minimum EMI's Cleared for 150% Scheme

18 EMI

Original Loan Tenure

49 - 60 Months

Minimum EMI's Cleared for 125% Scheme

18 EMI

Minimum EMI's Cleared for 150% Scheme

21 EMI

Original Loan Tenure

> 60 Months

Minimum EMI's Cleared for 125% Scheme

18 EMI

Minimum EMI's Cleared for 150% Scheme

24 EMI

*Valuation should be at least 60% of the Loan Amount

Eligible Customer

Eligible Customer

New/used car loan from
Axis Bank

Eligible Customer

New car loan taken from

other Banks

Tenure of Loan

12 to 60 months

Thank You

Your Enquiry has been received and our associates are working on it.
We shall get back to you shortly.