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.

Calculate EMI Check Eligibility
Car Loan

Why Choose 华体会 Auto Loans?

Featured services to make your car buying experience smoother and more economical

High Loan Amounts

New cars up to 90% of vehicle price, used cars up to 80%

Fast Response

24-48 hour rapid approval, 72 hour fast disbursement

Low Barrier

New car annual interest rates from as low as 7.5%

Insurance Linkage

Loan protected by insurance, enjoy comprehensive car insurance

Free First Year Insurance

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

View Offers

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.

Diverse Loan Options

Choose the right financing plan for your car

As low as 9.5%

Used Car Loans

Flexible and convenient financing solutions for used cars, with fast approval to help you easily purchase your desired used car.

  • Up to 80% Financing
  • Vehicle Age: Max 5 Years
  • RTO Transfer Assistance
As low as 8.0%

New Energy Vehicle Loans

Financing plans specifically designed for electric vehicles, enjoy additional subsidies and multiple benefits.

  • Additional 0.5% Discount
  • Extended Loan Tenure Options
  • EV Charger Installation Support
As low as 8.5%

Commercial Vehicle Loans

Customized financing services for various commercial vehicles such as taxis, freight vans, and trucks.

  • Higher Loan Amounts
  • Consideration of Business Income
  • Express Processing
As low as 7.8%

Loan Balance Transfer

Transfer your existing car loan to 华体会 and enjoy lower interest rates and better repayment terms.

  • Low Interest Rates
  • No Prepayment Penalties
  • Upgrade Support
As low as 10.5%

Luxury Car Loans

Enjoy exclusive financing plans for luxury and high-end brand cars.

  • High-Value Automobiles
  • Flexible Documentation Requirements
  • Priority Processing
As low as 7.5%

New Car Loans

Easily own your brand new ride with attractive interest rates and maximum loan amounts.

  • Up to 90% Support
  • Loan Terms: 1-7 Years
  • First Year Insurance Free

Brands We Support

Covers all mainstream car brands on the market

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

What Auto Loans Include

Comprehensive coverage for your car purchase expenses

Purchase Tax and Registration Fees

Includes purchase tax, registration fees, and other statutory fees

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)

Comprehensive Car Insurance

First year comprehensive insurance (free for some models)

Additional Accessories and Extended Warranty

Optional accessories, extended warranty, and maintenance packages

Vehicle Base Price

Up to ex-factory price of the vehicle

Loan Eligibility Review

Minimum Income

Annual interest rate from 7.5%

Maximum Age

2026*

*Final interpretation rights reserved
Minimum Age

2024

Membership Status

1 year or more

Stable Participation
Down Payment Ratio Requirement:
  • New Cars: Min 10% Down
  • Used Cars: Min 20% Down
  • Electric Vehicles: Min 15% Down

Freelancers need to provide proof of stable operation for more than two years.

Supported Devices

  • 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)

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

Highly Competitive Interest Rates

Diverse interest rate options for different car models and customers

Vehicle Type Verified Users Active Users VIP Users* Electric Vehicles
New Cars (Up to $50K) Competitive Annual Rates from 7.5% to 8.5% Explore Financing with Annual Rates of 8.0% - 9.0% Annual Rate 7.3% - 8.3% Annual Rate 7.0% - 8.0%
New Cars ($50K - $100K) Secure Your Loan with Annual Interest from 8.0% to 9.0% Unlock Deals with Annual Rates of 8.5% - 9.5% Annual Rate 7.8% - 8.8% Benefit from Annual Interest Rates between 7.5% and 8.5%
Used Cars (Within 3 Years) Annual Rate 9.5% - 10.5% Annual Rate 10.0% - 11.0% Annual Rate 9.3% - 10.3% Annual rates range from 9.0% to 10.0%, subject to your credit assessment.
Used Cars (3-5 Years) Annual Rate 10.5% - 12.0% Annual Rate 11.0% - 12.5% Annual Rate 10.3% - 11.8% Annual Rate 10.0% - 11.5%
Luxury Cars ($100K+) Enjoy Exclusive Financing at 8.5% to 9.5% Annual Interest We offer competitive annual rates between 9.0% and 10.0% to help you own your desired car. Annual Rate 8.3% - 9.3% Access Flexible Terms at 8.0% - 9.0% Annual Rate

An additional 0.2% discount applies to female applicants. Electric vehicles can enjoy an additional 0.5% discount. 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

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.

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.

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.

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.

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.

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.

Ready to start your driving journey?

Our automotive financing specialists are dedicated to securing optimal funding solutions for your new or pre-owned vehicle.

Call Auto Loan Hotline: +86 189 1382 9470 Get Pre-Approved