Financing made possible for every car buyer

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Same-day Approval
Attractive EMIs
Hassle-free Process

Don't worry! It'll not affect your credit score

Car Loan Calculator
Loan Estimate
Loan Amount
₹ 50,000
₹ 50,00,000
Minimum loan amount required is ₹ 50,000.
Duration of Loan
4 Years
1 Year
5  Years
Sorry! Maximum tenure possible on this car is 0 years.
10,730 per month
Principal Loan Amount
Total Interest Payable
Total Amount Payable
Disclaimer: Applicable rate of interest can vary subject to credit profile. Loan approval is at the sole discretion of the finance partner.
Finance your dream car
Friendly car loan for used cars lies at the heart of our customer relationships, that’s why more Spinny customers stay with us in their car-ownership journey through life.
Depending on your requirement Spinny Capital tailors the right second hand car loan option for you. So the car you’d love to own, comes to you on your terms.

Spinny Capital works with you

Check your used car loan eligibility

Fill in a form online to know your second hand car loan eligibility in minutes, without impacting your credit score.

Upload documents

Upload your documents online and you’ll be served the best used car loan deal, customized just for you by our finance partners.

Same-day approval

With Spinny Capital, get same-day approval and complete disbursal formalities at your convenience.

Home delivery

Your polished, cleaned and serviced Spinny Assured® car is delivered the same day, right at your doorstep.

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Frequently Asked Questions

How is my loan eligibility determined?

Your eligibility for a car loan from Spinny is determined on the basis of parameters such as:

  • Income
  • Type of residence ownership
  • Past credit and banking history
  • Credit score maintained by an accredited credit rating agency

What factors impact my pre owned car loan interest rate?

The interest rate you are offered for your car finance is dependent on your credit score as well as overall income profile. These parameters are examined at the time of your loan application to determine the interest rate on your choice of car.

How much of the car’s price can I finance?

With Spinny Capital, upto 100%* of the car’s price can be financed with a car loan. The actual funding amount, as well as the interest rate, will depend on your choice of car and credit profile.
*This is dependent on the finance partner, customer credit history and other parameters. We can only give a fair idea once we get all the details from you.

I have not decided on a car, can I get a pre-approved loan?

Yes, you can get a pre-approved loan even if you have not decided on a car yet. We understand that choosing your dream car can take time.

What if I take a loan and return my car back in the 5-day guarantee period?

In the event that you return the Spinny car in the 5-day money back guarantee period, the loan shall be cancelled. Your down payment will be refunded and any additional charges will be borne by Spinny. Your money is safe with us!

Q. What are the tenure options available for used car loans?

Spinny Capital offers used car loans with repayment tenures ranging from a minimum of one year to a maximum of five years.

Q. Are there any tax benefits on used car loans?

For salaries employees, there are no tax benefits on used car loans. For people who are self-employed or business owners, tax benefits can be claimed.