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Home Credit - Consumer Durable Loans, Personal Loan

Get Your Dream Two Wheeler

With quick and easy Two Wheeler Loans

  • Attractive Interest RateAttractive Interest Rate
  • Up to 100% Financing Up to 100% Financing
  • Minimal Documentation Minimal Documentation

*T&C apply
This application is exclusively for Two Wheeler Loan. If you are seeking a Personal Loan, kindly do not apply here.

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Apply for a Two Wheeler Loan

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Home Credit is a registered NBFC under RBI, trusted by over 1.9 Cr+ customers

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Par iss Diwali, Home Credit Two-Wheeler Loan kee easy EMIs ke saath, ek parivaar ne apna sapna poora kiya aur dikhaya ki khwahishein aur zimmedari saath saath bhi chal sakte hain. #UpgradeWaaliDiwali

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Eligibility Criteria for a Two Wheeler Loan

Getting a Two Wheeler Loan is simple and hassle-free. To qualify, you just need to meet a few basic requirements. Here's what you need:

Minimum Age 21 Years

Minimum Age 21 Years

Valid Address Proof

Valid Address Proof

Should be Salaried, Self-Employed or Pensioner

Should be Salaried, Self-Employed or Pensioner

An Active Bank Account

An Active Bank Account

Documents Required for Two Wheeler Loan

Experience the lightning-fast, hassle-free loan application process. You can secure your loan with super simple documentation in just 5 minutes.

Fast, Easy & Secure.

PAN Card*
PAN Card*
Address Proof**
Address Proof**

*Pan Card or Form 60 can be used
**Voter ID / Passport / Driving License / Aadhar

Frequently Asked Questions

You are eligible to apply for a Home Credit Two Wheeler Loan if you meet the following criteria:

  • Indian citizen aged between 21-58 years.
  • Have a valid ID and address proof such as PAN, Aadhaar card, Passport, Driving licence, Voter's Identity Card issued by the Election Commission of India, Job card issued by NREGA duly signed by an officer of the State Government, and letter issued by the National Population Register.
  • Salaried or self-employed.

You can lower your EMI by:

  • Choosing a longer loan tenure.
  • Making a higher down payment at the time of purchase.

Home Credit offers flexible repayment tenures ranging from 12 months to 60 months.

The Two Wheeler Loan interest rate is based on the applicant's profile and is at the discretion of Home Credit starting from 8.5%*

Yes, you can get a loan for any Two Wheeler available in the market, including both Electric Vehicles (EVs) and Internal Combustion Engine (ICE) models.

To get answers to the applicable fees and charges, please check out our eligibility section here.

To provide you with a smooth experience, we charge a small fee for processing, administration, documentation (if applicable), post-disbursal documents (PDD), and the required stamp duty.

No, a security or collateral is not required. The financed Two Wheeler will act as a collateral i.e. till the loan is not fully settled, the vehicle will be hypothecated to Home Credit.

No, Home Credit does not provide any insurance for the vehicle.

Yes, your Two Wheeler Loan can be foreclosed by paying 5% of the principal outstanding amount.

Your Equated Monthly Instalment (EMI) for the Two Wheeler Loan depends on the loan amount, loan term, and interest rate. All these details will be clearly shown in your loan documents and amortization schedule.

The down payment for a Two Wheeler Loan is a small amount you pay at the dealership. It’s the difference between the vehicle’s on-road price and the loan amount approved for you. Once your loan is approved online, we will inform you of the exact down payment.

The loan sanction letter pertaining to your Home Credit Two Wheeler Loan will be available at the Home Credit App.

You can avail of up to 100% funding of the vehicle's on-road price when applying for Home Credit Two Wheeler Loan.

No, you cannot change your loan amount or tenure after your application is processed. You can only choose these when you apply for the loan.

Yes, you need to provide details of two references when you apply for a loan with Home Credit.

You can visit any of our partner Two Wheeler showrooms, where our representative will guide you through the formalities and check your loan eligibility on the spot. Once your loan is approved, you’ll be ready to take home the Two Wheeler of your choice at the earliest opportunity.

You can get in touch with Home Credit customer care executive via the below options to update your mailing address, mobile number or e-mail ID :

No, you cannot make any part payments for your loan.

Our current policy does not allow additional payments to reduce your outstanding principal. It will be adjusted to your upcoming EMI amount.

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