Loans For All Types Of Buyers
Urban, rural, semi-urban etc.
Loans Offered Against Various Car Types
Hatchbacks
Entry-level or luxury sedans
SUVs/MUVs
Customised EMI structure
Choose a repayment schedule based on your needs.
Loan Requirement
₹
500000
Monthly EMI
₹ 150000
Quick, Customised Loans For All Needs
Education
Marriage
Business capital
Emergencies
No Credit History? No Problem.
Avail a loan with or without a credit history.
Expert Assistance During Purchase Process
Dealers, Valuers and RTO agents
Wide Network With 400+ Branches
Spread across rural, semi-urban and urban areas.
Complete Transparency In Process
Manage Loans, Entirely Online
Apply any time, anywhere via the AU 0101 app, netbanking or video banking.
Dedicated staff for assistance
Apply any time, anywhere via the AU 0101 app, netbanking or video banking.
Extended Banking Hours, At Select Locations
Deposit cheques till 5 pm & cash till 6 pm.
Things to consider Before you avail a Personal loan
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Consider the interest when deciding on a loan tenure.
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Avoid applying for a disputed property.
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Keep an eye on your credit card purchases before applying for a loan.
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Avoid making major life changing decisions like a job change to avoid default on loan repayment.
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Taking on a big loan? Pair it with insurance. This way, your loved ones will be protected.
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Share loan responsibility with a co-applicant. Women can avail a lower rate of interest.
Why AU
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National presence
Bank with us through a network of 2,700+ touchpoints .
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Get a bit more
Enjoy quality services at competitive rates.
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Visit branches without the wait
Our ample touchpoints ensure all our customers are conveniently served.
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Superfast app
Manage and track all your transactions on the AU 0101 App.
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Sustained growth
Expanding by every quarter, with a balance sheet of over ₹1 lakh crore.
Bank anywhere anytime, on the AU 0101 mobile app
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![View balance and transactions]()
View balance and transactions
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![Download account statement]()
Download account statement
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![Request cheque book]()
Request cheque book
40+ lakh customers banking on app
Bank anywhere anytime, on the AU 0101 mobile app
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![View balance and transactions]()
View balance and transactions
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![Download account statement]()
Download account statement
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![Request cheque book]()
Request cheque book
30 lakh customers banking on app
Our range of cards for your range of needs
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![Xpress EMI]()
Xpress EMI
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![Silverspoon Dining Program]()
Silverspoon Dining Program
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![300+ exclusive AU Rewardz]()
300+ exclusive AU Rewardz
Not sure which product is right for you?
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Personal assistance
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No spam
Customer support
24x7 help
Questions? Answers.
How to get a Loan Against Car?
We offer various channels through which you can apply for a Loan Against Car. You can start your loan journey by clicking here.
OR
- Walk into any of our branches across the country.
- Speak to a representative on our toll-free number 1800 1200 1200.
- Write to us at customercare@aubank.in.
If you are our existing customer, look out for our special Pre-Approved Offers on AU 0101 tailored just for you.
What is the maximum Loan Against Car available?
We offer the best Loan to Value (LTV) finance against car, which can go as high as 100% of the market value, at affordable interest rates.
However, the actual loan sanctioned against your car depends on various factors such as your employment profile and credit assessment, along with the value of the car, make and model, year of manufacture, ownership serial, the purpose of use (private/commercial), service/accident history, etc.
How long will it take for my Loan Against Car approval?
We understand that time is of the essence when seeking a loan against your car. Our simplified process and minimal documentation allow us to expedite approvals within two working days in the case of most applications.
Existing AU Small Finance Bank customers can even avail an instant Loan Against Car. To know more, speak to your Relationship Manager.
What are the minimum and maximum Loan Against Car amounts?
The Loan Against Car is determined basis the current market value of your vehicle. Various factors are considered while determining each vehicle's and applicant's Loan to Value (LTV) ratio.
The minimum loan value starts at INR 50,000. Most approvals happen at 80% to 85% of the market value and can go as high as 100%. To get a ballpark estimate of the finance you can get against your car, speak to our representative or fill out the online form here.
The Loan Against Car interest rates will vary from one application to another. Certain factors are considered before finalizing an interest rate. These include the employment profile of the applicant, their credit score, repayment history (if any), make, model, and age of the car, loan amount, etc. For the most competitive interest rates and affordable repayment terms, you need not look further than AU Small Finance Bank.
Do I need a guarantor for a Loan Against Car?
Generally, you do not need a guarantor if your credit scores and employment profile meet the eligibility criteria. However, certain cases may warrant a guarantor. After screening your initial application, one of our representatives will let you know if you need a guarantor to come on board.
