Whether you are buying a pre-owned car from an individual, driving a new car from a showroom, expanding a tourist taxi fleet, or unlocking cash against your existing RC book — SFS Finance secures you the lowest interest rate and fastest sanction with doorstep service across all 14 districts.
Plan your budget with clarity. Adjust loan amount, interest rate, and tenure below to see real-time monthly repayments and share directly with our team on WhatsApp.
No endless visits to bank branches, no bureaucratic delays. Our local Kerala executives handle paperwork right at your doorstep.
Submit our 1-minute form or WhatsApp our team with the vehicle details (new showroom quote, used car RC copy, or your commercial requirement).
Takes ~2 minutesOur local field executive visits your home or workplace anywhere in Kerala to verify basic KYC documents and carry out free vehicle valuation.
Within 2 - 4 hoursWe evaluate offers from our network of 8+ banking and NBFC partners to guarantee the lowest interest rate, minimal processing fee, and best tenure.
Same-day approvalFunds are directly disbursed to the car dealer or private seller. SFS Finance manages Kerala RTO hypothecation endorsement seamlessly.
Keys in your hands!Select your applicant category below to see exact requirements. We accommodate salaried, business, Gulf NRI families, and commercial drivers.
Everything you need to know about vehicle loans, interest rates, and RTO processes in Kerala.
Yes, absolutely! SFS Finance specializes in individual-to-individual (C2C) vehicle transactions across Kerala. You do not need to buy from a large showroom. Once you finalize the car with the seller, our local executive will carry out a physical inspection, verify the RC book, and process the loan. The sanctioned amount is transferred directly to the seller upon submission of ownership transfer documents (Form 29 & 30).
Generally, the vehicle's age at the time of loan completion should not exceed 12 to 14 years depending on the vehicle model and manufacturer (e.g., Toyota and Maruti vehicles enjoy higher age allowances). For example, a 2017 model car can easily receive a 3 to 4-year loan tenure.
If you own a vehicle that is already paid off (or has minimal remaining loan balance), you can leverage its current market value to raise liquid cash. You do not surrender your vehicle — you keep driving your car as normal while receiving up to 85% of its valuation credited into your bank account. The interest rate on an RC loan is significantly cheaper than personal loans or credit card borrowing.
Yes! This is one of our most popular services. An NRI working in the Gulf (UAE, Saudi Arabia, Qatar, Oman, Kuwait, Bahrain) or Western countries can act as the primary financial guarantor using their foreign salary slip and NRE bank statement, while a parent, spouse, or sibling in Kerala acts as the co-applicant and registered owner of the vehicle.
When a loan is sanctioned, the vehicle RC is endorsed with the lending institution's hypothecation (Form 34) at your local Kerala RTO (e.g. KL-07, KL-11, KL-01). SFS Finance coordinates this entire paperwork with the RTO. Once you complete the loan tenure, we assist you in obtaining the Bank NOC and filing Form 35 for hypothecation cancellation so you obtain a clean RC.
Unlike rigid traditional banks, SFS Finance partners with specialized NBFCs that evaluate real cash flows through "Banking Surrogate" and "Asset-backed" programs. If you are a trader, agriculturist, or transport operator with regular bank transactions, we can structure your loan approval even without formal income tax returns.
Reach out through our online application form or call our Kerala central desk directly. Our senior financial consultants are ready to assist you.
Fill out the basic information below. Our field executive will call or WhatsApp you to present the best lender quotes.