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Avail your Car Loan in 4 Steps

Car Loan Products

Pre-Owned Car Loan

Pre-owned Car Loan interest rates are attractive.

Pre owned car loan

Top-up Car Loan

ICICI Bank Car Loan Top Up offers attractive interest rates and faster processing which allows customers to access additional funds conveniently.

Top up Car Loan

Refinance Car Loan

Car Refinance option includes easy documentation, loan tenure of up to 7 years and attractive interest rates for a seamless refinancing experience.

Refiance Car Loan

Pre-Approved Car Loans

ICICI Bank Pre-approved Auto Loan offers up to 100% on-road funding without any income documentation and a flexible tenure of up to 84 months.

Pre approved Car Loan

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Interest Rate, Fees & Charges

Get detailed information about Interest Rates, Processing Fees & Charges for your Car Loan and get started today!

Car Loan EMI Calculator

Instantly calculate your monthly payments

Service Charges and Fees

Find service charges for an ICICI Bank Car Loan

Car Loan documentation

Quick, easy and minimal documentation required

Car Loan FAQs

How do I approach ICICI Bank for a Car Loan?

Does ICICI Bank have a Loan for the car I want?

ICICI Bank Car Loans are available for almost all passenger cars - New & Pre-owned.

What is a Pre-approved Auto Loan?

An ICICI Bank Pre-approved Auto Loan is offered to select existing customers based their relationship with the Bank. Customers with Pre-approved Offers are eligible for the Loan amount and Tenure as per the Offer available

Where can I avail the Pre-approved Car Loan Offer?

Eligible customers with a Pre-approved Car Loan Offer can avail Digital Disbursement or Digital Sanction through iMobile Pay or Internet Banking, visit the nearest ICICI Bank Branch or Authorised Dealers of your car to avail this Offer. Alternatively, you can contact our Customer Care. Click here to apply online.

What is the maximum Loan amount and tenure for a Pre-approved Car Loan?

Maximum Loan amount and Tenure will depend on the Offer available. You can avail a lower Loan amount or Tenure basis the cost of your car. You will get a Loan up to 100% of the On-road Price, if the same is within the Offer amount range.

What are the documents I need to submit, if I have a Pre-approved Offer?

For Digital Disbursement, pre-approved customers need not submit any physical documents. For Digital Sanctions, submit documents as mentioned in the Loan Sanction Letter or as guided by our Sales Agent.

What are the Interest Rates for Car Loan?

The lending rates vary based on the car models and tenure selected. Click here to check Interest rates.

How do I repay the Car Loan?

If you have an ICICI Bank Account, you can issue a Direct Debit Mandate to your existing ICICI Bank Account or even opt for an ECS option for the repayment through a Physical or Digital Mandate. You can also submit a Digital Mandate using your Debit Card or Internet Banking for e-Nach setup.

What is a Monthly Reducing Balance in Car Loan?

In Monthly Reducing Balance method, the principal is reduced at the end of every month and the interest is calculated on the outstanding principal at the end of the month.

Can I Foreclose or Prepay my Car Loan?

Yes, you can Foreclose/Prepay your Car Loan. Nominal prepayment charges + GST will be applicable on the outstanding principal amount.

To facilitate prepayment of your Car Loan/Two-wheeler Loan, visit an ICICI Bank Branch along with the below mentioned documents to complete the prepayment process:

  • Prepayment Statement
  • Request Letter signed by the Loan applicant
  • Bank Statement reflecting the clearance of the last instalment
  • PAN Card (If the closing cash payment is more than Rs 50,000)
  • Vehicle Registration Certificate (RC Book Copy)
  • Vehicle Insurance Copy
  • Mode of payment can be Cheque, Demand Draft or Cash.

How do I update my mailing address, mobile number or e-mail ID registered in my Loan Account?

Visit any ICICI Bank Branch with a valid photo ID proof and submit an application to update your mailing address, mobile number or e-mail ID.

How can I obtain my unbanked PDC or Security PDCs?

If the applicant wishes to procure the Post-Dated Cheques and/or Security Post-Dated Cheques that remain unbanked at the end of the Loan tenure/Change in Repayment mode or details, the applicant must make a request for the same, within <30> days of Loan Closure/Change of Repayment mode. If not done, ICICI Bank will have the discretion/responsibility to destroy the unbanked Post-Dated Cheques and Security Post-Dated Cheques without any further notice. ICICI Bank will not have the obligation to return the same to the applicant.

Who can I contact for any issues/queries during my Car Loan Journey?

You can ‘ask iPal’ on our website and mobile app. You may also contact our Customer Care, your Relationship Manager or walk in to any ICICI Bank Branch.

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