VEHICLE LOANS
Your Dream Vehicle is Closer Than You Think
TWO-WHEELER & FOUR-WHEELER LOANS
Fast Approvals. Honest Terms. No Surprises.
Whether you are buying your first bike for your daily commute or upgrading to a new car for your family, Anchor Capital Services helps you get the right loan — from the right lender — at terms you actually understand. We handle everything from eligibility assessment to final disbursal, so you can focus on choosing your vehicle, not chasing paperwork.
We are empanelled with 9 leading banks and NBFCs including HDFC Bank, ICICI Bank, Axis Bank, Bajaj Finserv, Shriram Finance, Sundaram Finance and Cholamandalam Finance. That means we compare real offers across multiple lenders and recommend what genuinely fits your profile — not just what is quickest to process. With Vipin’s 19 years of experience on the lender side, your application goes in prepared, positioned and ready for approval.
TWO-WHEELER LOANS
Get Your Bike Approved in as Little as 24 Hours
For salaried employees, self-employed individuals and even customers without formal income proof — across Kerala.
Loan Amount
₹25,000 to ₹2,00,000.
Covering the full range from entry-level commuter bikes to premium two-wheelers.
Who Can Apply
Salaried & Self-Employed.
Both income-proof and non-income-proof customers can apply. CIBIL score is checked for basic eligibility.
Approval Time
24 to 48 Hours.
From document submission to approval — one of the fastest turnarounds available.
Documents Required
PAN, Aadhaar, last 3 months salary slips or bank statements, address proof, showroom quotation. For non-income-proof customers: PAN, Aadhaar, last 6 months bank statement, address proof, showroom quotation.
FOUR-WHEELER / CAR LOANS
New Car or Used Car — We Arrange the Best Loan for Both
From your first hatchback to a premium SUV, for both salaried individuals and self-employed customers across Kerala.
Loan Amount
₹1,00,000 and Above.
Up to the full on-road cost of the vehicle — new or used, with no upper ceiling based on eligibility.
Who Can Apply
Salaried & Self-Employed.
Income-proof and non-income-proof customers both considered. CIBIL score checked for basic eligibility.
Approval Time
2 to 4 Working Days.
From document submission to sanction — depending on lender and documentation completeness.
Tenure Options
12 to 120 Months.
Flexible repayment tenure across our panel of banks and NBFCs, chosen based on what fits your monthly budget best.
Documents Required
PAN, Aadhaar, income proof, bank statements, vehicle quotation or sale agreement from dealer. For non-income-proof: PAN, Aadhaar, last 6 months bank statement, address proof, vehicle quotation.
BASIC ELIGIBILITY
Who Can Apply for a Vehicle Loan Through Anchor Capital?
General Criteria
Age between 21 and 58 years
Minimum monthly income of ₹15,000 to ₹20,000 for income-proof applicants
Stable employment or business for at least 12 to 24 months
Residence or workplace within the lender’s service area in Kerala
Acceptable credit history as per the selected lender’s norms
Non-Income Proof Applicants
Two-wheeler and car loans are also available for customers without formal salary slips or ITR. Eligibility for such applicants is assessed based on bank statement patterns, banking behaviour and CIBIL history. Vipin will guide you through whether this route is suitable for your profile — honestly, before any application is submitted.
HOW IT WORKS
From Enquiry to Keys in Hand — Here’s What to Expect
Share Your Requirement
Tell us the vehicle you want, your approximate budget and your employment type. A quick call or WhatsApp message is enough to get started.
Eligibility AssessmentDocuments Required
We review your profile — income, CIBIL, existing obligations — and give you an honest picture of your approval chances before approaching any lender.
Lender Selection
Based on your profile, we identify the bank or NBFC that offers the best terms and has the highest probability of approving your application.
Document Collection
We guide you through exactly which documents are needed, collect them from your doorstep if required, and submit your application with complete follow-up.
Approval & Disbursal
Once sanctioned, the loan amount is disbursed directly to the dealer or seller as per the bank’s process. We keep you updated at every stage — no silence, no chasing.
We Have Seen Thousands of Vehicle Loan Files. We Know What Gets Approved.
Vipin spent 19 years managing vehicle loan portfolios at ICICI Bank, Sundaram Finance, L&T Finance and Tata Motors Finance. He has sat on the approval side of the table. When he reviews your application, he already knows what the lender will look for — and prepares you accordingly.
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Eligibility Check Before Application
We assess your CIBIL score, income and profile honestly before approaching any lender. This protects you from unnecessary rejections that damage your credit score further.
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Multi-Lender Comparison
We compare offers from 9 banks and NBFCs and recommend the one that best suits your repayment capacity — not the one that is most convenient for us to process.
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Full Cost Transparency
Before you sign, we show you the exact EMI, total interest payable and all applicable charges over the full tenure. You make your decision with complete information — never in the dark.
Doorstep Document Collection
No need to visit our office or run to the bank. For genuine customers across Kochi, we collect your documents at your home or workplace — just schedule a time over WhatsApp.
There is no honest answer without reviewing your profile first. That is exactly why we do a free eligibility check before submitting any application. We only proceed when we are confident about your chances — protecting your CIBIL score from unnecessary rejections.
For income-proof customers: PAN, Aadhaar, last 3 months salary slips or bank statement, address proof and vehicle quotation. For non-income-proof applicants, we replace salary slips with 6 months of bank statements. We will tell you exactly what is needed once we review your profile.
Your EMI depends on the loan amount, interest rate and tenure you choose. Before we submit anything, we will show you the exact EMI, total interest payable and all charges so you can make an informed decision — not a guesswork one.
We check your CIBIL score with a soft enquiry during eligibility assessment. Hard enquiries that affect your score only happen when we submit a formal application — and we do that only after you are satisfied with the lender and terms we recommend.
Two-wheeler loans typically take 24 to 48 hours from document submission. Car loans take 2 to 4 working days. Timelines depend on the lender and completeness of your documents — we follow up continuously so nothing gets delayed at our end.