From 10.99% p.a.
Consumer Durable Loan
Know More
10.99%+
Interest Rate p.a.
₹50,000–15,00,000
Loan Amount
12–60 Mo
Tenure
24 Hrs
Approval Time
Transparent Pricing
All rates, fees, and charges disclosed upfront — before you sign anything.
Flexible Tenure
Choose 12 to 60 months — whichever fits your monthly budget.
Doorstep Field Support
Dedicated officer assists from application to loan closure at your home or business.
24-Hour Disbursal
Loan amount credited to your account within 24–48 hours of document verification.
Zero Hidden Charges
What you see in the offer letter is exactly what you pay — always.
Eligibility Criteria
| Criteria | Requirement |
|---|---|
| Age | 18 – 65 years |
| Nationality | Indian Citizen |
| Income Type | Salaried, Self-Employed, Business Owner |
| Minimum Monthly Income | ₹10,000+ |
| Credit History | Considered — new-to-credit applicants also eligible |
| KYC Verification | Aadhaar + PAN mandatory |
Final eligibility is determined after credit assessment. Meeting criteria does not guarantee approval.
Documents Required
Identity & Address
- Aadhaar Card (mandatory)
- PAN Card (mandatory)
- Passport / Voter ID / Driving Licence
Income Proof
- Last 3–6 months bank statements
- Latest salary slips (salaried)
- ITR / GST returns (self-employed)
- Business proof if applicable
Photographs
- 2 recent passport-size colour photographs
EV-Specific (if applicable)
- Vehicle quotation from authorised dealer
- Vehicle registration (existing EV owner)
- Trade licence / permit (commercial operators)
Apply in 4 Simple Steps
1
Check Eligibility & Calculate EMI
Use our online EMI calculator to plan your repayment. Verify basic eligibility criteria — age, income, and KYC requirements.
2
Submit Your Application
Fill in the online enquiry form or call our helpline. A field officer will contact you within 24 hours to schedule a visit.
3
Document Verification
Our field officer visits your home or business to collect and verify documents. Fully paperless where possible.
4
Loan Disbursement
Once approved, loan amount is credited to your bank account within 24–48 hours. Full agreement provided before signing.
Interest Rate From
10.99% p.a.
Loan Amount
₹50,000 – ₹15,00,000
Tenure
12 – 60 Months
Processing Fee
Disclosed Upfront
Hidden Charges
Zero
Approval Time
Within 24 Hours
RBI Registered NBFC · No Hidden Charges
EMI Calculator
Plan Your Monthly Payments Before You Apply
Drag the sliders — results update live. No form submission, no login, no data collected.
Live Updates
EMI recalculates instantly as you move the sliderPrincipal vs Interest Breakdown
Visual pie chart — see exactly where your money goesMobile Friendly
Smooth touch sliders — works on any deviceZero Data Required
No login or personal details — completely anonymous
EMI Calculator
Live
₹50,000
₹
₹50,000
₹50,00,000
10.99%
% p.a.
9%
35%
12 Months
Months
12 Mo
60 Mo
Your Monthly EMI
—
Total Interest
—
Total Payable
—
Interest
—
Principal
Interest
Other Loan Products
Explore More Options
FAQ
Frequently Asked Questions
Who is eligible for a V-Pay Finance loan?
Any Indian citizen aged 18 or above with a stable income source can apply.
Salaried employees, self-employed individuals, EV operators, and micro-business
owners are all eligible subject to credit assessment.
What documents do I need to apply?
Standard KYC: Aadhaar card, PAN card, address proof, and income proof
(6-month bank statements, salary slips, or ITR). Our field officers guide
you through the full list during the application visit.
How quickly will my loan be approved?
Standard applications are reviewed within 24–72 hours of document submission.
Fast-track processing is available for qualifying applicants. You receive a decision
by phone and email.
Are there any hidden charges or fees?
None. All processing fees, interest rates, and prepayment charges are disclosed
in writing before you sign the loan agreement.
What you see in the loan offer is exactly what you pay — no surprises.
Can I repay early or make part-payments?
Part-prepayments carry no penalty. Foreclosure charges may apply for full early
repayment — the exact amount is disclosed in your loan agreement before signing.
Get Approved Within 24 Hours.
Join 10,000+ borrowers across Uttar Pradesh who chose V-Pay Finance for fast, transparent, and affordable credit. Apply today.
RBI Registered NBFC
Zero Hidden Charges
4.8★ Rated
24-Hour Approval
RBI Registered NBFC — M/s Siddhi Traders Pvt Ltd
All charges disclosed before disbursement
DPDP Act Compliant — data privacy protected
Interest rates starts from 10.99% p.a.