5.7cr+
Satisfied Customers
Lower Your EMI and Interest Rates
Switch and Save On Your Car Loan Effortlessly
Transfer your existing car loan to reduce interest cost, lower monthly EMI, and access top-up options.
65+
Lending Partners
Rs.65k Cr+
Loans Disbursed
Why Choose Six Finance?
Experience hassle-free borrowing with flexible loan options, instant credit tracking, and rapid approvals designed around your unique financial journey.
Flexible Repayment Plans
Life changes, and your loan should adapt with it. We offer customizable repayment schedules and loan amounts designed to fit comfortably within your budget.
Fast, Secure & Transparent
Apply with complete peace of mind. Our streamlined, bank-grade encrypted platform ensures lightning-fast approvals while keeping your data strictly protected.
Personalized Financial Solutions
We look beyond the numbers to understand your story. Enjoy a borrowing experience that is custom-tailored specifically to your unique financial goals and needs.
Loan Details
Car Loan Balance Transfer
Switch your existing car loan to us and enjoy lower EMIs, reduced interest rates, and flexible repayment options.
Instant Approval
No Hidden Charges
100% Digital Process
Representative Example:
Borrow ₹5,00,000 over 12 months at 9.99% APR. Total repayment: ₹5,27,467.42 with monthly EMIs of ₹43,955.62.
EMI Calculator
Select Your Bank
Enter Loan Amount
₹5,00,000
50K50L
9.99
8%30%
1
1Y10Y
Monthly EMI
₹43,955.62
Total Interest
₹27,467.42
Car Loan Balance Transfer & Top-Up
Switch your existing car loan for better terms and get a high-value top-up loan with minimal documentation.
Instant disbursal with loan amounts from ₹1 lakh to ₹52 lakh and flexible tenures from 12 to 84 months.
Trusted by 3 Lakh+ Customers
Choose Six Finance for your car loan balance transfer and top-up. Switch your existing car loan for better terms and get a high-value top-up loan with minimal documentation and simple eligibility criteria.
Repay your loan comfortably over flexible tenures ranging from 12 to 84 months.
Apply now and get the funds you need in just 48 hours of approval*. Our streamlined process ensures you receive the financial support you need quickly and efficiently.
Key Features and Benefits
Up to 180% Funding of Car Value
Get a loan amount that covers the complete value of your car, providing you with substantial financial flexibility.
In-Principle Sanction Letter
Receive your in-principle sanction letter immediately upon approval of the loan application.
Minimal Documentation
You only need a few basic documents such as your KYC, income proof, bank statements, and car papers.
Flexible Tenures
Plan your loan repayment and choose a tenure that suits you best, from 12 to 84 months.
Comprehensive Benefits
Loan Amounts
₹1 lakh to ₹52 lakh
Premium Services
Insurance & GPS tracker
Immediate Processing
Funds in 48 hours*
Why Choose Us?
Transfer the balance of your existing car loan and get a high-value top-up of up to 180% of the car's value.
Repay your loan easily with convenient repayment options and get doorstep assistance for document submission.
All fees and charges are mentioned upfront on this page and in the loan document. We advise you to read these in detail.
Get additional services such as car insurance, life insurance, financial fitness report, and GPS tracker at a very nominal cost.
Eligibility Criteria
Nationality and Age
Indian nationals aged 21 to 80 years (you should be 80 years or younger at the end of the loan tenure)
CIBIL Score
650 or higher is required for loan approval
For Salaried Employees
At least 1 year of experience and minimum monthly salary of ₹20,000
For Self-Employed
Applicants must submit ITR proof for the last 2 years
Documents Required
Identity and Address Proof
KYC documents: Aadhaar/passport/voter's ID/driving licence/letter from NPR/NREGA job card
Employee ID card
Financial Documents
Bank statements for the last 3 months
Salary slips for the last 3 months
Vehicle Documents
Vehicle registration certificate
Insurance copy
How to Apply
Our representative will call you on the provided number for the next steps.
The entire process is designed to be simple and seamless, ensuring you get the funds you need quickly.
Plan Your Instalments Better
Use our Car Loan Balance Transfer and Top-Up EMI Calculator to plan your monthly instalments effectively.
Calculate your EMI based on the loan amount, interest rate, and tenure to understand your repayment obligations clearly.
10%
Starting Interest Rate
Competitive rates per annum
52L
Maximum Loan Amount
Up to ₹52 lakh available
84
Maximum Tenure
Months for repayment
Applicable Fees and Charges
| Type of Charge | Applicable Fees |
|---|---|
| Rate of Interest | 10% to 18% p.a. |
| Processing Fee | Up to 2.95% of loan amount (inclusive of applicable taxes) |
| Documentation Charges | Up to ₹2,360 (inclusive of applicable taxes) |
| Full Pre-payment Charges | Up to 4.72% (inclusive of applicable taxes) on outstanding loan amount |
| Bounce Charges | ₹1,500 per bounce |
| Penal Charge | Up to 24% per annum per instalment from due date |
| Repossession Charges | Maximum up to ₹50,000 (inclusive of applicable taxes) |
Note:
If all borrowers and co-borrowers are individuals or Micro and Small Enterprises (MSEs) and the loan is availed on floating interest rates, then there will be no foreclosure or part-payment charges.
Stamp duty is payable as per state laws and deducted upfront from the loan amount.
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