AU Small Finance Car Loan Interest Rate 2026
Last updated:
Quick Answer
AU Small Finance Bank car loan interest rates range from 10–14% p.a. for new cars. The actual rate depends on your credit score, income, and loan-to-value ratio.
AU Small Finance Car Loan Rate — Rates at a Glance
| New Car — Excellent Credit (750+) | 10% p.a. |
| New Car — Good Credit (700–749) | 10.50% p.a. |
| New Car — Standard | 12.00% p.a. |
| Used Car | 13.50–14% p.a. |
| Processing fee | ₹3,500–₹8,500 or 0.5% of loan |
| Loan tenure | 12–84 months |
Rates are indicative as of 2026-04-07. Verify with AU Small Finance Bank official website before investing.
Key Things to Know
- 1AU Small Finance car loan rates: 10–14% p.a.
- 2Finance up to 90% of on-road price for new cars
- 3Used car loans up to 75–80% of valuation
- 4No prepayment penalty after 6 months of loan
- 5Comprehensive insurance mandatory for the loan tenure
- 6Faster approval for existing bank customers
Calculate Your Returns
Monthly EMI
₹8,678
Total Interest
₹10,82,776
Total Payment
₹20,82,776
Amortization Schedule (Yearly)
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹19,902 | ₹84,236 | ₹9,80,098 |
| 2 | ₹21,661 | ₹82,477 | ₹9,58,436 |
| 3 | ₹23,576 | ₹80,563 | ₹9,34,860 |
| 4 | ₹25,660 | ₹78,479 | ₹9,09,200 |
| 5 | ₹27,928 | ₹76,211 | ₹8,81,272 |
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Frequently Asked Questions
What is AU Small Finance car loan rate in 2026?
AU Small Finance Bank car loan rates start at 10% p.a. for new cars with excellent credit and go up to 14% p.a.
How much EMI for ₹10 lakh AU Small Finance car loan for 5 years?
At 10% p.a., a ₹10 lakh car loan for 5 years has an EMI of approximately ₹21,247.
Can I get AU Small Finance car loan with low CIBIL score?
AU Small Finance generally requires a CIBIL score of 700+ for car loans. Below 650, approval is difficult. A higher down payment or guarantor may help.
What documents are required for AU Small Finance car loan?
You need KYC documents (Aadhaar, PAN), income proof (salary slips or ITR for 2 years), bank statements (3–6 months), vehicle quotation, and passport-sized photographs.