If you really think about it, it's easier getting a loan for a car than a loan for bus fare!
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  • Kotak Mahindra Bank Car Loan Reviews

    • Kotak Car Loan
      "Good service"
      0.5 4.0/5 "Great!"
      The service rendered by Kotak mahindra in concern to my car loan was very good. The customer service and the response with Kotak mahindra was really good . They took around 7 days to disburse my car loan . The required loan amount has been disbursed and I am completely satisfied with their service too.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 18, 2017
    • Kotak Car Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am very much glad that I must say, Kotak Mahindra has exceeded my expectations with the service rendered based on my salary account they have offered me the car loan and the interest rate was very low 7.5%. Loan amount got disbursed within 1 hour of time and the services were good with them. Response is also a good one with them and I can say its up to my expectation
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jul 07, 2017
    • Kotak Car Loan
      "Excellent Service"
      0.5 4.0/5 "Great!"
      I am very happy for getting this car loan from Mahindra Finance,The customer service offered was really good which is appreciable as well. The loan amount was disbursed within five days and the process of the loan was very easy and quick as well.The interest rate was minimal compared to other banks and I am really happy about the same
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 06, 2017
    • Kotak Car Loan
      "Good service"
      0.5 4.0/5 "Great!"
      There is fore closure options available with Kotak Mahindra bank but the lock in period is for 2 years which is higher than normal. They took around 4 to 5 days to disburse my car loan. The rate of interest is low with Kotak Mahindra when compared with others. I am happy about the service,
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 05, 2017
    • Kotak Car Loan
      "Its Fine"
      0.5 4.0/5 "Great!"
      My existing car loan was running with Kotak Mahindra its good. Every month my due date falls on 5th, ECS automatically debit the EMI from my ICICI account. I have taken the amount of Rs.3.72 ,000 to purchase Mahindra Scorpio its good. Everything is good and convenient.
      Was this review helpful? 1
      , erode
      Reviewed on Jun 28, 2017
    • Kotak Car Loan
      "Its Good"
      0.5 4.0/5 "Great!"
      Six years back, I had taken car loan from Kotak Mahindra, it got completed. I purchased Hyundai I 10 car worth Rs.3.5 lakhs, Kotak Mahindra approved the requested amount with an interest rate of 11.5% but it was higher side at the time. Now it got closed successfully.
      Was this review helpful? 2
      , bangalore
      Reviewed on Jun 23, 2017
    • Kotak Car Loan
      "Its Good"
      0.5 4.0/5 "Great!"
      Kotak Mahindra interest rate is okay its not too good, I have taken car loan before three years. My loan amount was around Rs. 3.5 lakhs for the tenure of three years. They have approved 90% of loan on the car value, Kotak Mahindra doesn't have an option to make a part payment but can do preclosure with some charges applicable.
      Was this review helpful? 2
      , new delhi
      Reviewed on Jun 19, 2017
    • Kotak Car Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I was having a Car loan from Mahindra Finance . loan got disbursed. On given time The documentation process was good. The rate of interests 7% charged for this loan is less compared to other Banks. They have not taken much of a documents with me, Just an ITR that's it and I have applied for 6 lakh rupees loan.
      Was this review helpful? 0
      , akola
      Reviewed on Jun 19, 2017
    • Kotak Car Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am very much glad that I must say, Kotak Mahindra has exceeded my expectations with the service rendered based on my savings account they have offered me the car loan and the interest rate was minimal. Loan amount got disbursed within fifteen days of time and the services were good with them. Response is also a good one with them and I can say its up to my expectation.
      Was this review helpful? 0
      , mohali
      Reviewed on Jun 11, 2017
    • Kotak Car Loan
      "Car loan foreclose issue"
      0.5 0.5/5 "Unacceptable"
      I had taken the car loan from Kotak bank and was assured by the representative that there are no foreclosure charges but when I asked for foreclosure after 2 years they asked me to pay 4% and denied anything about their own representative. Better go for some other banks which will not cheat and which provides better customer service.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jun 09, 2017
    • Kotak Car Loan
      "Classic service"
      0.5 5.0/5 "Blown Away!"
      Th service with Kotak Mahindra was Classic and the person who came to my place to collect the documents was very kind enough. The Kotak Mahindra was maintaining a proper communication in concern of updating about the product status. The rate of interest is nominal with Kotak Mahindra. I would say it was very good service in all.
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Jun 09, 2017
    • Kotak Car Loan
      "Perfect service"
      0.5 5.0/5 "Blown Away!"
      The Kotak Mahindra bank executives asked certain documents with respect to my car loan and I have sent it through the link Which I had got, it is a very easy process and after submitting the documents they had disbursed my loan within 2 days of time. The rate of interest is nominal with Kotak Mahindra. I am happy about the loan amount and I am satisfied with their service.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jun 09, 2017
    • Kotak Car Loan
      "High Interest Rate"
      0.5 3.0/5 "Satisfactory"
      Last year I had taken the car loan with Kotak Mahindra Bank. But the interest rate was high which is of 18% so I am looking for loan transfer. The loan amount was 3 lakhs. I did not receive any customer support from the bank. Due to high interest rate I will transfer the loan to other bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 07, 2017
    • Kotak Car Loan
      "Average Service"
      0.5 4.0/5 "Great!"
      Three years ago, I had an experience of approaching KOTAK for the car loan. The reponse was quite fine with them, but I was excepting much better than that, therfore I would suggest them to improvise their response in future. Within a week or 10 days they had disbursed my loan. The rate of interest is very much nominal with Kotak mahindra . Overall I am satisfied with their service, I would suggest Kotak Mahindra to fulfill the customer expectation by giving quick and prompt response.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jun 03, 2017
    • Kotak Car Loan
      "Excellent"
      0.5 4.0/5 "Great!"
      The process followed by Kotak Mahindra bank for the car loan was really smooth and good. The documentation part was simple and the deal on the interest rate is 8.50% , they charge rs 2100 and the disbursement of the loan also happened within a day . The EMI is amounting to 3650 and this is for a period of 5 years.
      Was this review helpful? 0
      , jaipur
      Reviewed on Jun 03, 2017
    • Kotak Car Loan
      "Good one"
      0.5 5.0/5 "Blown Away!"
      I had closed the car loan with the Kotak Mahindra bank. I got an interest rate for the car loan as 12.25% and the loan amount got disbursed to my account after a week of time to ten days of time. They had provided around 80% of cost of car as loan....
      Was this review helpful? 1
      , hyderabad
      Reviewed on May 30, 2017
    • Kotak Car Loan
      "Good Experience"
      0.5 5.0/5 "Blown Away!"
      There is no lacking on the service part of Kotak Mahindra. They came directly to my place and done the entire process without giving any inconvenient. I am happy about that, its been a year my loan is running. Being a self employed person they came least interest rate of 9.5% it is good.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • Kotak Car Loan
      "Good Experience with Kotak"
      0.5 5.0/5 "Blown Away!"
      My car experience was really smooth with Kotak Mahindra, they done the process on time, even before the delivery of my car, the loan got sanctioned. Kotak Mahindra offered 80% of loan from on the road value. Then I had done the foreclosure without any extra charges.
      Was this review helpful? 0
      , chennai
      Reviewed on May 26, 2017
    • Kotak Car Loan
      "Good. But high on ROI"
      0.5 5.0/5 "Blown Away!"
      I have taken my car loan from Kotak Mahindra bank and the process in getting this loan was easy. They were quick in collecting my papers and the disbursement was satisfactory too. But the major drawback is that the rate of interest and processing charges was high.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 18, 2017
    • Kotak Car Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      Kotak Mahindra Bank quoted 10% of interest rate for the car loan. And they processed the loan in a good manner. The process went good and I had no issues with the bank at any instance. Maruthi showroom itself arranged the loan with Kotak and they had taken care of everything. It was good.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 17, 2017
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    Kotak Mahindra Bank Car Loan is Rated as "Excellent!" by 278 Users

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    Promised Interest Rate

    Customer Service

    Responsiveness

    Car Loan BYTES FROM OUR KITCHEN
    rated 4.5/5.0 by 278 users

    Kotak Mahindra Bank is an Indian bank and financial service firm established in 1985. It was previously known as Kotak Mahindra Finance Limited, a non-banking financial company. In February 2003, Kotak Mahindra Finance Ltd, the group's flagship company was given the licence to carry on banking business by the Reserve Bank of India (RBI). Kotak Mahindra Finance Ltd. is the first company in the Indian banking history to convert to a bank. The bank offers personal finance solutions of every kind from savings accounts to credit cards, distribution of mutual funds to life insurance products. Kotak Mahindra Bank offers transaction banking, operates lending verticals, manages IPOs and provides working capital loans.If you have always dreamt of owning your own commercial vehicle, construction equipment or need funds for your working capital, you are at the right place. To know more, follow some simple steps given below to get attractive deals.


    You’re probably eligible for an Kotak Mahindra Bank Car Loan if you are

    01
    02
    03
    04
    Kotak Mahindra Bank Car Loan Minimum Age

    At least 21 years old

    Kotak Mahindra Bank Car Loan Maximum Age

    Less than 58 years old

    Kotak Mahindra Bank Car Loan Eligible Employment Type

    Salaried or self-employed
    with regular income

    Kotak Mahindra Bank Car Loan Minimum Income

    Earn more than the minimum
    income required


    Your Kotak Mahindra Bank Car Loan amount eligibility is based on these factors

    01
    02
    03
    Kotak Mahindra Bank Car Loan Minimum Salary

    Rs 15,000 per month

    Kotak Mahindra Bank Car Loan Maximum Loan to Value

    Loan capped @
    90% of the ex-showroom price

    Kotak Mahindra Bank Car Loan EMI

    EMIs of other loans lower
    your eligibility


    Increase your eligible Kotak Mahindra Bank Car Loan amount by these steps

    01
    02
    Kotak Mahindra Bank Car Loan Payoff Outstanding Credit Card Bills

    Pay off your credit card bills

    Kotak Mahindra Bank Car Loan Maximum Tenure

    Choose longer tenure loan up to 7 years


    Documentation needed to apply for an Kotak Mahindra Bank Car Loan

    • 1. Signed application form with photograph
    • 2. Photo ID and age proof
    • 3. Residence proof
    • 4. Last 6 months bank statement
    • 5. Documentation for salaried applicants:
      • Last 3 months salary – slips
      • Form 16 or Income Tax Returns
    • 6. Documentation for self-employed applicants:

      • Last 3 years Income Tax Returns with computation of Income
      • Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account

    Kotak Mahindra Bank Car Loan Interest RatesUpdated on 21 Jul 2017

    Kotak Mahindra Bank Car Loan Details
    Pre Closure Charges 5.21% + GST
    Loan Tenure 7 years
    Guarantor Requirement Guarantor required

    The above mentioned interest rates are subject to change as per the revised GST rates.


    Kotak Mahindra Bank Overview

    Founded in 2003, the Kotak Mahindra bank is one of India’s leading private sector banks, headquartered in Mumbai. Originally established as a non-banking finance company by the name of Kotak Mahindra Finance, the bank is now among the fourth largest financial establishments in the country with a wide spread network of over 600 branches and 1000 ATMs located across the country. Catering to a diverse customer base, the bank offers a variety of financial services like deposit accounts, loans, investment services, corporate banking solutions, fixed income and treasury services.

    Apply for Car Loan Online

    About Kotak Mahindra Car Loan

    Living in an age when everything is valued in terms of time and money, motor vehicles are an innovation which complement the fast paced lifestyle of the population. Keeping that in mind, the Kotak Mahindra Car Loans have been designed to eliminate the time lag between applying for a loan and getting ownership of the vehicle. The New Car loans by Kotak Mahindra are open to salaried individuals, self-employed individuals, partnership firms, public & private companies and HUF’s and Trusts. Under the New Car finance, there are 5 car loan schemes which customers can choose from.

    1. Margin Money Scheme
      • Up to 90% loan value available for purchase of a new car (applicable only for certain car models)
      • Customer has the option to pay the margin amount (Invoice value after deducting the finance amount) to either to the dealer or the bank
      • Loan Repayment can be done via EMI over a flexible period of 12 to 60 months
    2. Step Up Scheme
      • Ideal for purchase of luxury vehicles
      • Option to adjust loan repayment amount based on growing income (ascending EMI amounts)
      • Adjust EMI amount yearly, bi-yearly or quarterly
    3. Low EMI Balloon Scheme
      • Ideal for those looking to resell the vehicle once loan tenure is over
      • Affordable EMI’s throughout loan tenure
      • Last EMI amount will be equal to 10% - 25% of the cost of the vehicle
    4. Advance EMI Scheme
      • Ideal for those looking for quick loan repayment
      • Pay amount of first few EMI’s together and the remaining through individual EMI’s
      • Special Schemes by Kotak Mahindra
      • Having tie-ups with various car manufacturers, Kotak Mahindra introduces special car loan schemes from time to time

    Perfect Car Loan Deals for you

    Why Choose Kotak Mahindra Car Loan

    Kotak Mahindra Bank car loans are amongst the most preferred car loans in the country, an achievement which can be accredited to a variety of reasons. Given below are some of the most prominent features of the New Car Finance car loan by Kotak Mahindra.

    • Customer friendly pre and post sales service

      The bank lays emphasis on an efficient customer service to take care of all loan related queries, not only before taking the loan but also afterwards.

    • Multiple loan schemes to suit different customer needs

      Based on flexible EMI’s and loan tenure, Kotak Mahindra offers 5 car loan schemes – Margin Money scheme, Step Up scheme, Low EMI Balloon scheme, Advance EMI scheme and Special schemes.

    • Simple 7-step loan application procedure

      Following an easy 7-step application procedure, customers can get the loan sanctioned in a matter of 48 hours after documentation is complete.

    • Low interest rates

      Kotak Mahindra offers some of the lowest interest in the market ranging from 11.50% to 13.50%.

    • Flexible Repayment terms

      Depending on their convenience, customers can choose to repay the loan from a period of 12 months to 60 months.

    • Up To 90% Of Loan Amount Available

      For certain car models, customers can avail up to 90% of the loan amount to purchase the car of their dreams.

    Are You Eligible For the Kotak Mahindra Car Loan?

    The Kotak Mahindra Ban Car Loan is available for salaried individuals, self-employed individuals, partnership firms, private and public limited companies and Trusts and HUFs. Different applicants must fulfill their respective eligibility criteria in order to successfully apply for this car loan. For quick reference, the eligibility criteria for different applicants is given below.

    1. Salaried Individuals
      • Must be a minimum of 21 years
      • Must not exceed 58 years of age at time of loan maturity
      • Must have a minimum annual income of Rs 1,00,000
      • Must have been employed for a minimum of 6 months
    2. Self-employed Individuals
      • Minimum age must be 21 years
      • Maximum age must not exceed 65 years at loan maturity
      • Must have been employed for at least 2 years in the business

    Documents Required to Apply for the Kotak Mahindra Bank Car Loan

    1. Salaried Individuals
      • Duly filled application form
      • Identity Proof: Passport, PAN card, Voters ID card, Driving License
      • Income Proof: Latest salary slip along with Form 16
      • Address Proof: Electricity bill, Water bill, Telephone bill, Driving License, Passport, Ration card, Voters card or Life Insurance policy
      • Salary bank statement
      • Photograph signed by the customer
    2. Self-employed Individuals
      • Duly filled application form
      • Identity Proof: Passport, PAN card, Voters ID card, Driving License
      • Income Proof: Latest Income Tax Returns
      • Address Proof: Ration card, Driving License, Voters ID card, Telephone bill, Electricity bill, Life Insurance policy
      • Business bank statement
      • Photograph signed by the customer
    3. Proprietary Firms
      • Duly filled application form
      • Proof of residence – electricity / telephone bill
      • Respective banker’s verification, Voters ID, IT PAN card, Income Tax Return, Driving License or Passport
      • Total of last 2 years income as certified by the CA
      • Profit & Loss A/c and balance sheet for the last 2 years certified by the CA
      • Income Tax Returns of previous 2 years
      • Photograph signed by customer
    4. Partnerships & Companies
      • Duly filled application form
      • Proof of residence – electricity / telephone bill
      • Respective banker’s verification, Voters ID, IT PAN card, Income Tax Return, Driving License or Passport
      • Total of last 2 years income as certified by the CA
      • Profit & Loss A/c and balance sheet for the last 2 years certified by the CA
      • Income Tax Returns of previous 2 years
      • Partnership Deed / Trust Deed (only for Partnership Firms)
      • Letter of authority (only for Partnership Firms)
      • Memorandum of Association and Board Resolution authorizing one director to execute the agreement

    How to Calculate EMI for Kotak Mahindra Car Loans

    You can easily calculate the EMI amount on your car loan with the no-frills Kotak Mahindra Car Loan EMI calculator. The EMI will be calculated based on the loan amount, period of payment and interest rate applicable. All you have to do is enter the loan mount, tenure of the loan and the rate of interest applicable on your respective loan. With that information, the tool will calculate and display the EMI amount you need to pay based on the tenure selected by you.

    Kotak Mahindra Car Loan FAQs

    1. What are the tenure options available for this car loan?

      Customers can choose from easy loan repayment terms of 12, 24 and 36 months.

    2. How long would it take to process the loan?

      Processing of the loan will be done within 48 hours after the necessary documents are received.

    3. Are there any charges levied on late EMI payment?

      Yes. Customers will have to pay a charge of 3% on the outstanding EMI amount.

    4. What are the Kotak Mahindra Car Loan prepayment / foreclosure charges?

      The foreclosure fee, in case of prepayment of the loan, will be charged at 5.75% of the outstanding loan amount.

    5. Can Kotak Mahindra Bank customers check the status of their car loan applications online?

      Yes, customers can check the status of their Kotak Mahindra Bank car loan application status on the bank’s website via internet banking.

    6. Where can Kotak Mahindra Bank customers get the car loan application form?

      The Kotak Mahindra Bank car loan application can be downloaded from the bank’s website and can also be got from any branch office.

    7. Does Kotak Mahindra Bank offer the joint application facility to car loan applicants?

      Yes, customers can apply for Kotak Mahindra car loans along with a co-applicant.

    8. What are the documentation charges levied by Kotak Mahindra Bank for new car loans?

      The documentation charges for Kotak Mahindra Bank car loans is decided as per market rates and conditions.

    9. Does the applicant’s CIBIL score aid in determining the eligibility criteria for Kotak Mahindra Bank car loans?

      Yes, Kotak Mahindra Bank does consider the CIBIL score while sanctioning car loans for customers.

    10. What are the income documents that have to be submitted while applying for a Kotak Mahindra Bank car loan?

      As per the category of the applicant the following income documents have to be furnished -

      • Salaried Individuals - Form 16/ Recent Pay Slip
      • Self Employed Businessmen - Latest IT Returns Statement
    11. Does Kotak Mahindra Bank offer pre-approved car loans for existing banking customers?

      Yes, Kotak Mahindra Bank does offer pre-approved car loans for existing banking customers.

    12. What is the minimum car loan amount that will be sanctioned by Kotak Mahindra Bank?

      The maximum car loan amount that will be sanctioned by Kotak Mahindra Bank is Rs. 75,000.

    13. What is the maximum car loan amount that will be sanctioned by Kotak Mahindra Bank?

      The maximum car loan amount that will be sanctioned by Kotak Mahindra Bank is up to 90% of the vehicle value.

    14. What is the minimum tenure that can be selected by a Kotak Mahindra Bank car loan borrower?

      As per the customer’s requirements, the minimum tenure that can be selected by borrowers for a Kotak Mahindra Bank car loan is twelve months.

    15. What is the maximum tenure that can be selected by a Kotak Mahindra Bank car loan borrower?

      The maximum tenure that can be chosen by borrowers for a Kotak Mahindra Bank car loan is up to sixty months.

    16. Does Kotak Mahindra Bank charge any pre-closure penalty for customers closing their car loans before the end of the tenure?

      Yes, Kotak Mahindra Bank charges a penalty of 5.75% of the outstanding principal amount when a foreclosure of a car loan is done. Prepayments can be done six months after the car loan has been availed.

    17. Can borrowers transfer the balance from an existing car loan to a new Kotak Mahindra Bank car loan account?

      Yes, other bank car loan customers can make balance transfers to a new Kotak Mahindra Bank car loan account.

    18. Does Kotak Mahindra Bank provide car leasing facilities for existing car loan borrowers?

      Yes, Kotak Mahindra Bank provides car leasing facilities for existing car loan borrowers.

    19. What is the verification process done by Kotak Mahindra Bank when a car loan application is done?

      Once the bank has received the documentation from the car loan applicant, the credit evaluation is done by an officer. Then if approved, the finance is processed and the loan is sanctioned.

    20. How long does it take for Kotak Mahindra Bank to process a new car loan application?

      Kotak Mahindra Bank approves car loans within 48 hours, after the required documentation has been furnished by the applicant.

    21. Can Kotak Mahindra Bank customers contact the customer care service in case of any queries or concerns?

      Yes, Kotak Mahindra Bank car loan customers can contact the customer care helpdesk for addressing any queries.

    22. What are the types of applicants eligible to avail a Kotak Mahindra Bank car loan?

      Salaried employees aged between 21 to 58 years, self-employed professionals aged between 21 to 65 years, public and private listed companies, partnership firms, trusts and HUFs are eligible to avail a Kotak Mahindra Bank car loan.

    23. What is the minimum annual income criteria for salaried employees taking a Kotak Mahindra Bank car loan?

      Salaried employees should carry an annual income of Rs.1 lakh, with a minimum employment tenure of six months to be eligible for a Kotak Mahindra Bank car loan.

    24. What is the employment criteria to be met by self-employed professionals taking a Kotak Mahindra Bank car loan?

      Self-employed professionals should have been in business for atleast two years to be eligible for a Kotak Mahindra Bank car loan.

    25. What type of cars are financed by Kotak Mahindra Bank?

      Kotak Mahindra Prime Limited offers financing to passenger vehicles, multi-utility vehicles and imported cars, on a case-by-case basis.

    26. Is a guarantor required for Kotak Mahindra Bank car loans?

      For most car loans sanctioned by Kotak Mahindra Prime Limited a guarantor is not required, but if the applicant does not meet the required age and income criteria then a guarantor might be asked for.

    27. How can customers apply for a Kotak Mahindra Bank car loan?

      New customers have to just fill in the online application and a bank representative will contact them for further processing.

    28. What are the different car loan schemes offered by Kotak Mahindra Prime Limited?

      The various car loans schemes offered by Kotak Mahindra Prime Limited are -

      • Margin Money Scheme
      • Step Up Scheme
      • Low EMI / Balloon Scheme
      • Advance EMI Scheme
    29. What are the charges levied by Kotak Mahindra Bank for late payment of monthly installments?

      Kotak Mahindra Bank levies a charge of 3% of the overdue amount as late payment fees, which is compounded on a monthly basis.

    30. Are there any special car loan schemes offered by Kotak Mahindra Bank?

      Yes, Kotak Mahindra Bank does offer special car loan schemes in association with car manufacturers.

    31. What are the documents that are accepted as address proof by Kotak Mahindra Bank?

      Kotak Mahindra Bank will accept copies of telephone bills and electricity bills as address proofs.

    32. Do all types of applicants have to submit photographs while applying for car loans with Kotak Mahindra Prime Limited?

      Salaried employees, self-employed firms and proprietary firms have to submit photographs along with the car loan application form.

    33. Does Kotak Mahindra Prime Limited offer refinance options to existing car loan customers?

      Yes, Kotak Mahindra Prime Limited does offer refinance options on a vehicle for which a car loan tenure has been completed.

    34. What are the types of pre-approved car loans offered to existing Kotak Mahindra Bank customers?

      The two types of car loans offered are - Kotak Prime Track record for a tenure of 12 months or above and RePlus, which offers a personal loan and refinance for existing customers.

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